45 Westmount RD N #102, Waterloo, ON N2L 2R3
45 Westmount RD N #102 , Waterloo, ON N2L 2R3
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Bed Rooms
1
Bath Rooms
1
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Virtual Tour
35 photos
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Year Built
--
Days of On-Site Use
--
Property Type
Condo
Price per Sqft
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Car Garage
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Property Details
Key Details
Sub Type
Condo Apartment
Listing Status
Active
Purchase Type
For Sale
Approx. Sqft
500-599
MLS Listing ID
X12058137
Style
1 Storey/Apt
Bedrooms
1
Annual Tax Amount
$1,781
Tax Year
2024
Property Sub-Type
Condo Apartment
Location
Province
ON
County
Waterloo
Area
Waterloo
Zoning
GR
Rooms
Family Room
No
Basement
None
Kitchen
1
Interior
Interior Features
Primary Bedroom - Main Floor, Storage Area Lockers
Cooling
Wall Unit(s)
Fireplaces Number
1
Fireplaces Type
Electric
Inclusions
All appliances in as is condition. All furniture in as is condition.
Laundry
Coin Operated, Common Area, In Basement, In Building
Exterior
Exterior Feature
Controlled Entry, Landscaped
Amenities Available
Bike Storage, Elevator, Game Room, Party Room/Meeting Room, Visitor Parking
Roof Type
Flat
Exposure
West
Total Parking Spaces
1
Balcony
None
Building
Building Age
51-99
Foundation
Poured Concrete
Locker
Exclusive
Others
Senior Community
Yes
Security Features
Smoke Detector,Security System
Pets Allowed
Restricted
ParcelsYN
No
Virtual Tour
https://unbranded.youriguide.com/102_45_westmount_rd_n_waterloo_on/
Listed by RE/MAX A-B Realty Ltd
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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45 Westmount RD N #102

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