1052 Rat Bay Rd 109-1 RD, Lake Of Bays, ON P1H 2J6
1052 Rat Bay Rd 109-1 RD , Lake Of Bays, ON P1H 2J6
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Bed Rooms
2
Bath Rooms
2
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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
Other
Listing Status
Active
Purchase Type
For Sale
Approx. Sqft
900-999
Subdivision
Franklin
MLS Listing ID
X12092857
Style
Bungalow
Bedrooms
2
Tax Year
2025
Property Sub-Type
Other
Location
Province
ON
County
Muskoka
Area
Muskoka
Body of Water
Lake of Bays
Rooms
Family Room
No
Basement
None
Kitchen
1
Interior
Interior Features
Water Heater Owned, Other
Fireplaces Number
1
Fireplaces Type
Propane
Inclusions
All furnishings, fixtures and appliances as part of the 1/10th fractional ownership
Laundry
Laundry Closet
Exterior
Exterior Feature
Recreational Area
Parking Features
Private
Amenities Available
Shared Beach, Tennis Court, Communal Waterfront Area, Indoor Pool
Waterfront Description
Beach Front,Winterized
View
Lake, Trees/Woods
Roof Type
Asphalt Shingle
Road Frontage
Year Round Municipal Road
Exposure
South
Total Parking Spaces
5
Balcony
None
Building
Building Age
16-30
Foundation
Block
Locker
None
Others
Senior Community
No
Security Features
Smoke Detector,Carbon Monoxide Detectors
Pets Allowed
No
ParcelsYN
No
Listed by Chestnut Park Real Estate
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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1052 Rat Bay Rd 109-1 RD

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Navjot Singh

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