145 Columbia ST W #133, Waterloo, ON N2L 0K7
145 Columbia ST W #133 , Waterloo, ON N2L 0K7
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Bed Rooms
2
Bath Rooms
1
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Year Built
--
Days of On-Site Use
--
Property Type
Condo
Price per Sqft
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Car Garage
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Property Details
Key Details
Sub Type
Condo Apartment
Listing Status
Active
Purchase Type
For Sale
Approx. Sqft
600-699
MLS Listing ID
X13593770
Style
Multi-Level
Bedrooms
2
Annual Tax Amount
$3,288
Tax Year
2025
Property Sub-Type
Condo Apartment
Location
Province
ON
County
Waterloo
Area
Waterloo
Zoning
MU25
Rooms
Family Room
No
Basement
None
Kitchen
1
Interior
Interior Features
Carpet Free, Separate Hydro Meter
Cooling
Central Air
Inclusions
Fridge, stove, built-in microwave, dishwasher, washer, dryer, all existing ELFs, all existing window coverings, sofa, coffee table, TV & TV stand, kitchen island with 2 bar stools, 2 beds with mattresses, 2 built-in desks, 2 desk chairs, and all existing furnishings current in the unit.
Laundry
Laundry Closet
Exterior
Amenities Available
Concierge, Elevator, Exercise Room, Game Room, Gym
Exposure
South
Balcony
None
Building
Building Age
0-5
Locker
None
Others
Senior Community
No
Security Features
Monitored,Carbon Monoxide Detectors,Concierge/Security,Smoke Detector
Pets Allowed
Yes-with Restrictions
ParcelsYN
No
Listed by ROYAL LEPAGE NRC REALTY
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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145 Columbia ST W #133

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Navjot Singh

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