26 Ontario Street #324, Guelph, ON N1E 7K1
Listed by Bradley Wylde • RE/MAX REAL ESTATE CENTRE INC., BROKERAGE
26 Ontario Street #324 , Guelph, ON N1E 7K1
$ 650,000
Bed Rooms
1
Bath Rooms
2
SqFt
1,349
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Year Built
2004
Days of On-Site Use
--
Property Type
Condo
Price per Sqft
$481
Car Garage
--
Open House
Sun Aug 23, 2:30pm - 4:00pm
Property Details
Key Details
Sub Type
Condo/Apt Unit
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,349 sqft
MLS Listing ID
40856090
Bedrooms
1
Full Baths
1
Half Baths
1
HOA Fees
$1,086/mo
HOA Y/N
Yes
Abv Grd Liv Area
1,349
Annual Tax Amount
$4,557
Property Sub-Type
Condo/Apt Unit
Source
Cornerstone
Location
Province
ON
County
Wellington
Area
City Of Guelph
Zoning
R.4D-6
Direction
Neeve St
Rooms
Basement
None
Bedroom 2
1
Kitchen
1
Interior
Heating
Heat Pump
Cooling
Central Air
Fireplace
No
Window Features
Skylight(s)
Appliance
Dishwasher, Dryer, Refrigerator, Stove, Washer
Laundry
In-Suite
Exterior
Waterfront Description
River/Stream
Roof Type
Flat,Metal,Tar/Gravel
Garage
No
Building
Lot Description
Urban, Arts Centre, City Lot, Hospital, Library, Park, Place of Worship, Playground Nearby, Public Transit, Rec./Community Centre, School Bus Route, Schools, Shopping Nearby, Trails
Faces
Neeve St
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Level or Stories
2
Structure Type
Brick
New Construction
No
Others
HOA Fee Include
Insurance,Building Maintenance,Central Air Conditioning,Common Elements,Maintenance Grounds,Parking,Trash,Property Management Fees,Water
Senior Community
No
Tax ID
718200178
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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26 Ontario Street #324

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