21 Ridgewood AVE, Guelph, ON N1H 6C3
21 Ridgewood AVE , Guelph, ON N1H 6C3
$ 719,000
Bed Rooms
5
Bath Rooms
2
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Virtual Tour
35 photos
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Year Built
--
ON MARKET
34
Property Type
Single Family Home
Price per Sqft
--
Car Garage
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Open House
Sun Oct 18, 2:00pm - 4:00pm
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Approx. Sqft
1100-1500
Subdivision
Junction/Onward Willow
MLS Listing ID
X13762864
Style
1 1/2 Storey
Bedrooms
5
Annual Tax Amount
$4,244
Tax Year
2026
Property Sub-Type
Detached
Location
Province
ON
County
Wellington
Area
Wellington
Rooms
Basement
Full, Finished
Kitchen
1
Interior
Interior Features
Water Heater Owned, Water Softener
Cooling
Central Air
Inclusions
Stainless Steel Oven, Stainless Steel Fridge, Stainless Steel Microwave, Clothes Washer and Clothes Dryer. All existing electrical light fixtures and window coverings. Hot water heater, Water Softener, Air conditioner & Furnace.
Exterior
Parking Features
None
Pool
None
Roof Type
Asphalt Shingle
Total Parking Spaces
3
Building
Building Age
51-99
Foundation
Concrete Block
Others
Virtual Tour
https://dl.dropboxusercontent.com/scl/fi/xgmj17ukd36h3uvq684l1/_21-Ridgewood-Ave-Guelph-ON-_100Mb.mp4?rlkey=957jl7sl7cyt6utuvnymgner9&raw=1
Lited by REAL BROKER ONTARIO LTD.
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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21 Ridgewood AVE

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Navjot Singh
Navjot Singh

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

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