640 West Street #908, Brantford, ON N3R 6M3
Listed by Joshua Wall • Real Broker Ontario Ltd.
640 West Street #908 , Brantford, ON N3R 6M3
$ 398,900
Bed Rooms
2
Bath Rooms
1
SqFt
945
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Year Built
1974
Days of On-Site Use
--
Property Type
Condo
Price per Sqft
$422
Car Garage
1.0
Property Details
Key Details
Sub Type
Condo/Apt Unit
Listing Status
Active
Purchase Type
For Sale
Square Footage
945 sqft
MLS Listing ID
40795762
Style
1 Storey/Apt
Bedrooms
2
Full Baths
1
HOA Fees
$827/mo
HOA Y/N
Yes
Abv Grd Liv Area
945
Annual Tax Amount
$2,396
Property Sub-Type
Condo/Apt Unit
Source
Brantford
Location
Province
ON
County
Brantford
Area
2010 - Brierpark/Greenbrier
Zoning
IC
Direction
West & Fairview
Rooms
Basement
None
Main Level Bedrooms
2
Kitchen
0
Interior
Interior Features
Elevator
Heating
Baseboard
Cooling
Window Unit(s)
Fireplace
No
Appliance
Dishwasher, Refrigerator, Stove
Laundry
Coin Operated, In Building
Exterior
Roof Type
Flat
Porch
Open
Garage
No
Building
Lot Description
Urban, Landscaped, Public Transit, Schools
Faces
West & Fairview
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
1 Storey/Apt
Structure Type
Other
New Construction
No
Others
HOA Fee Include
Insurance,Common Elements,Maintenance Grounds,Heat,Hydro,Parking,Property Management Fees,Snow Removal,Water
Senior Community
No
Tax ID
327120079
Ownership
Condominium
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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640 West Street #908

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Navjot Singh

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