45 Brenmar CRES, Central Elgin, ON N0L 1B0
45 Brenmar CRES , Central Elgin, ON N0L 1B0
$ 784,900
Bed Rooms
4
Bath Rooms
4
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Virtual Tour
47 photos
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Year Built
--
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
--
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active Under Contract
Purchase Type
For Sale
Approx. Sqft
2000-2500
Subdivision
Belmont
MLS Listing ID
X13499608
Style
2-Storey
Bedrooms
4
Annual Tax Amount
$6,884
Tax Year
2026
Property Sub-Type
Detached
Location
Province
ON
County
Elgin
Area
Elgin
Zoning
R1-4
Rooms
Family Room
No
Basement
Full, Finished
Kitchen
1
Separate Den/Office
1
Interior
Interior Features
Auto Garage Door Remote, ERV/HRV, Sump Pump
Cooling
Central Air
Fireplaces Number
1
Fireplaces Type
Natural Gas
Inclusions
Fridge, Stove, Dishwasher, Cabinetry in Garage, Security System, All Window Coverings, Shed, Automatic Garage Door Openers and One (1) Remote, TV Wall Mount in Primary Bedroom, TV Wall Mount in Living Room, NEMA 14-50 outlet with 30amp service for EV charging
Exterior
Exterior Feature
Deck
Parking Features
Private Double
Pool
None
Roof Type
Asphalt Shingle
Lot Frontage
54.92
Lot Depth
144.25
Total Parking Spaces
6
Building
Building Age
6-15
Foundation
Poured Concrete
Others
Senior Community
Yes
ParcelsYN
No
Virtual Tour
https://youriguide.com/45_brenmar_cres_belmont_on
Listed by ELGIN REALTY LIMITED
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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45 Brenmar CRES

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Navjot Singh
Navjot Singh

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

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