633 HARBOUR ST #16, Saugeen Shores, ON N0H 2C5
633 HARBOUR ST #16 , Saugeen Shores, ON N0H 2C5
$ 499,000
Bed Rooms
2
Bath Rooms
1
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Year Built
--
Days of On-Site Use
--
Property Type
Townhouse
Price per Sqft
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Property Details
Key Details
Sub Type
Condo Townhouse
Listing Status
Pending
Purchase Type
For Sale
Approx. Sqft
800-899
Subdivision
Saugeen Shores
MLS Listing ID
X10847001
Style
2-Storey
Bedrooms
2
Annual Tax Amount
$2,074
Tax Year
2024
Property Sub-Type
Condo Townhouse
Location
Province
ON
County
Bruce
Area
Bruce
Zoning
R4
Rooms
Basement
None
Kitchen
1
Interior
Interior Features
Separate Heating Controls, Water Heater Owned
Cooling
None
Inclusions
Dishwasher, Furniture, Microwave, Refrigerator, Hot Water Tank Owned, Window Coverings
Laundry
Shared, Coin Operated
Exterior
Exterior Feature
Year Round Living
Pool
None
Amenities Available
Visitor Parking
Roof Type
Asphalt Shingle
Exposure
East
Total Parking Spaces
1
Balcony
None
Building
Building Age
31-50
Locker
None
New Construction
false
Others
Senior Community
No
Pets Allowed
Restricted
ParcelsYN
No
Listed by CENTURY 21 IN-STUDIO REALTY INC., Brokerage (P.E.)
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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633 HARBOUR ST #16

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Navjot Singh

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