3000 Garden ST #212, Whitby, ON L1R 2G6
3000 Garden ST #212 , Whitby, ON L1R 2G6
$ 14
Bed Rooms
--
Bath Rooms
--
SqFt
2,114
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8 photos
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Year Built
--
Days of On-Site Use
--
Property Type
Commercial
Price per Sqft
--
Car Garage
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Property Details
Key Details
Sub Type
Office
Listing Status
Active Under Contract
Purchase Type
For Rent
Square Footage
2,114 sqft
Subdivision
Pringle Creek
MLS Listing ID
E12165683
Annual Tax Amount
$19
Tax Year
2026
Property Sub-Type
Office
Location
Province
ON
County
Durham
Area
Durham
Zoning
Commercial Retail
Interior
Cooling
Yes
Inclusions
Heat, Hydro, Gas and Air Cond. included in the TMI quoted.
Exterior
Utilities Available
Yes
Others
Security Features
Yes
ParcelsYN
No
Listed by GOUDY RETAIL CONSULTING SERVICES
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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3000 Garden ST #212

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Navjot Singh

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

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