42 photos

Highlight

Year Built

2014

Days of On-Site Use

Property Type

Commercial

Price per Sqft

Car Garage

35.0

Property Details

Key Details

Sub Type

Building Only

Listing Status

Active

Purchase Type

For Rent

Square Footage

12,342 sqft

MLS Listing ID

40688458

Abv Grd Liv Area

12,342

Property Sub-Type

Building Only

Source

Cornerstone

Location

Province

County

Hamilton

Area

10 - Hamilton West

Zoning

Direction

Corner of James Street North and Vine Street

Rooms

Basement

Full

Kitchen

Interior

Fireplace

Exterior

Parking Features

Attached Garage

Lot Frontage

110.0

Lot Depth

165.0

Garage

Building

Lot Description

Rectangular, Ample Parking, Business Centre, City Lot, High Traffic Area, Highway Access, Hospital, Public Transit, Schools, Visual Exposure

Faces

Corner of James Street North and Vine Street

Story

Foundation

Poured Concrete

Sewer

Sewer (Municipal)

Water

Municipal

Structure Type

Brick

New Construction

Others

Senior Community

Tax ID

175860149

Ownership

Freehold/None

Virtual Tour

https://tours.vogelcreative.ca/123jamesstreetnorth

Purchase & mortgage inputs

Purchase price $650,000

First-time home buyer

New construction / new build

Property is in the City of Toronto (adds Toronto MLTT)

Down payment 10% · $65,000

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.

Interest rate (contract) 4.99%

Amortization 25 yrs

Property taxes, annual $4,200

Heating, annual $1,800

Condo fees, monthly $0

Only 50% of condo fees count toward GDS/TDS.

Other monthly debt payments $400

Car loans, credit cards, student loans, other credit obligations.

Household annual income, optional $0

Enter this to check pass/fail against required income. Leave at 0 to just see what's required.

Other closing costs $2,000

Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)

Loan amount

Total mortgage (incl. premium)

Monthly payment (contract rate)

Monthly qualifying payment

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.

Nearby Locations

GET MORE INFORMATION

Navjot Singh

REALTOR® | License ID: 5027745

+1(519) 505-5832 | navjot@teammosaic.ca

Residential mortgage & income qualification calculator