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Helena Marsh

Calculators

Estimates for West Vancouver, BC. Not advice and not a value opinion. Rules checked 2026-10-12.

Mortgage payment

Canada · fixed rate compounds semi-annually

Estimated payment

$3,542

Qualifying payment at 6.50%: $4,287

Loan $640,000 · 20%+ down, no default insurance in this estimate

Land transfer tax for BC is not loaded yet.

Assumptions and sources
  • Payment uses semi-annual compounding, Interest Act s.6. Statute
  • High-ratio insurance only under $1.5M. Finance Canada
  • CMHC premium schedule, plus 0.20% if amortization is over 25 years. CMHC
  • Qualifying rate is the higher of contract + 2% or 5.25%. OSFI

Minimum down payment

Canada · FCAC schedule

Minimum down

$35,000

5% to $500,000, 10% of the remainder under $1.5M, and 20% from $1.5M. A $600,000 home is $35,000.

Source: FCAC. Checked 2026-10-12.

Affordability

Lender guidelines vary. Qualified at the stress-test rate.

Sample price range

$831,485 – $903,788

Stress-test rate 6.50%. A range, not a single number.

Seller net proceeds

Commission is negotiable. Defaults are blank on purpose.

Estimated net

$900,000

BC tax on commission at 5%: $0. Sellers do not pay land transfer tax.

Tax source: CRA.