8122 Laidlaw AVE, Ramara, ON L0K 2B0
8122 Laidlaw AVE , Ramara, ON L0K 2B0
$ 499,900
Bed Rooms
3
Bath Rooms
2
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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
1100-1500
Subdivision
Rural Ramara
MLS Listing ID
S13669874
Style
1 1/2 Storey
Bedrooms
3
Annual Tax Amount
$2,691
Tax Year
2026
Property Sub-Type
Detached
Location
Province
ON
County
Simcoe
Area
Simcoe
Body of Water
Severn River
Rooms
Family Room
No
Basement
None
Kitchen
1
Interior
Interior Features
Primary Bedroom - Main Floor, Propane Tank, Storage, Water Heater Owned, Water Treatment
Cooling
None
Fireplaces Number
1
Inclusions
Washer, Dryer, Fridge and Stove, Pontoon Boat with Boat Lift, Offered Fully Furnished, Gym Equipment in the Garage
Exterior
Pool
None
Waterfront Description
Boat Launch,Boat Lift,River Access,River Front,Stairs to Waterfront,Dock,Boathouse
Roof Type
Metal
Road Frontage
Public Road, Private Road, Municipal Road, Year Round Municipal Road, Year Round Private Road
Lot Frontage
118.94
Lot Depth
130.16
Total Parking Spaces
6
Building
Foundation
Concrete Block
Others
Senior Community
Yes
ParcelsYN
No
Listed by HOUSESIGMA 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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8122 Laidlaw AVE

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Navjot Singh

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