118 King Street E #LPH13, Hamilton, ON L8N 1A8
Listed by Mike Heddle • Royal LePage State Realty
118 King Street E #LPH13 , Hamilton, ON L8N 1A8
$ 565,000
Bed Rooms
2
Bath Rooms
1
SqFt
1,039
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Year Built
2018
Days of On-Site Use
--
Property Type
Condo
Price per Sqft
$543
Car Garage
1.0
Property Details
Key Details
Sub Type
Condo/Apt Unit
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,039 sqft
MLS Listing ID
40748022
Bedrooms
2
Full Baths
1
HOA Fees
$820/mo
HOA Y/N
Yes
Abv Grd Liv Area
1,039
Annual Tax Amount
$6,574
Property Sub-Type
Condo/Apt Unit
Source
Cornerstone
Location
Province
ON
County
Hamilton
Area
14 - Hamilton Centre
Zoning
D2/D3
Direction
Corner of Catherine St S & King St E
Rooms
Basement
None
Main Level Bedrooms
2
Kitchen
1
Interior
Interior Features
Elevator
Heating
Heat Pump
Cooling
Central Air
Fireplaces Type
Electric
Fireplace
Yes
Window Features
Window Coverings
Appliance
Built-in Microwave, Dishwasher, Dryer, Refrigerator, Stove, Washer
Laundry
In-Suite
Exterior
View Y/N
true
View
Downtown
Roof Type
Membrane,Tar/Gravel
Porch
Juliette
Garage
Yes
Building
Lot Description
Urban, Arts Centre, Business Centre, City Lot, High Traffic Area, Highway Access, Hospital, Public Transit, Rec./Community Centre
Faces
Corner of Catherine St S & King St E
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Level or Stories
1
Structure Type
Brick,Block
New Construction
No
Others
HOA Fee Include
Insurance,Building Maintenance,Central Air Conditioning,Common Elements,Heat,Underground Parking Space
Senior Community
No
Tax ID
185730150
Ownership
Condominium
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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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118 King Street E #LPH13

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