159 Main Street, Delhi, ON N4B 2M1
Listed by James Degroote • COLDWELL BANKER BIG CREEK REALTY LTD. BROKERAGE
159 Main Street , Delhi, ON N4B 2M1
$ 440,000
Bed Rooms
--
Bath Rooms
--
SqFt
1,920
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Year Built
--
Days of On-Site Use
--
Property Type
Commercial
Price per Sqft
$229
Car Garage
--
Property Details
Key Details
Sub Type
Building and Land
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,920 sqft
MLS Listing ID
40766362
Abv Grd Liv Area
1,920
Annual Tax Amount
$3,200
Property Sub-Type
Building and Land
Source
Cornerstone
Location
Province
ON
County
Norfolk
Area
Delhi
Zoning
CBD
Direction
Highway 3 in Delhi. Turn west onto Main st. Property on south side of street
Rooms
Basement
None
Kitchen
0
Interior
Interior Features
High Speed Internet
Fireplace
No
Exterior
Utilities Available
Electricity Connected, Fibre Optics, Garbage/Sanitary Collection, Natural Gas Connected, Recycling Pickup, Street Lights
Lot Frontage
18.23
Lot Depth
87.0
Garage
No
Building
Lot Description
Rectangular, Ample Parking, Business Centre, City Lot, High Traffic Area, Schools, Other
Faces
Highway 3 in Delhi. Turn west onto Main st. Property on south side of street
Story
2
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Structure Type
Brick Veneer
New Construction
No
Others
Senior Community
No
Tax ID
501600189
Ownership
Freehold/None
Copyright 2026 Information Technology Systems Ontario, Inc.
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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159 Main Street

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Navjot Singh
Navjot Singh

REALTOR® License ID: 5027745

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

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