St. John's Real Estate | Homes and Condos For Sale
Welcome To Hanlon Realty | The Hann Group

What Type of St. John's Newfoundland Property Purchaser Are You?

BUYING? FIRST TIME, SEASONED OR INVESTOR? OUR TEAM CAN HELP:

• Connect you with new home construction buyers’ agents trained in building you a better built home. 

• Analyze the St.John’s MLS listings for you to make sure you are not overpaying, especially if it is a private sale as they can be severely overpriced. Costing you tens of thousands of dollars in lost equity.

• Provide you with St.John’s MLS listings as well a list of schools within the Newfoundland Avalon school board to make your relocation a stress free environment

• Suggest St.John’s property lawyers, home inspectors and contractors to make the transaction as worry free as possible

Contact your St.John’s property team and put their knowledge and skill to work for you today or register for our email service for St.John’s MLS Listings now.

 
Required
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
0.43%of Cost
Annual Property Tax:  $  
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
Optional
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $

Results
  Receive this Detailed Analysis


Your Monthly Payments
 
Loan Amount:    
Loan Insurance ( %):
Total Loan(Mortgage) Amount:
 
Principal & Interest:    
Homeowners Insurance:    
Property Taxes:    
Condo Fees:    
Monthly Loan Insurance (%):    
Total Monthly Payment:    
 
Income Needed to Qualify for the Mortgage
 
Total Monthly Loan Payment:  
Total Monthly Debt Payment:  
Monthly Loan Insurance (%):  
Qualifying Income of % GDS Ratio:  
Qualifying Income of % TDS Ratio:  
 
What You Can Afford
We are using the % ratio.
Cost of House:  
Down Payment:  
Loan Value:  
Monthly Principal & Interest:  
Monthly Insurance:  
Monthly Property Tax:  
Monthly Condo Fees:  
 
Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)
Monthly Rent: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %  


Important Reminder For When Looking For a St. John's Property

Whatever your Newfoundland property buying needs are when searching St.John’s MLS listings; start smart and utilize our team as we have developed this website as a Newfoundland property resource for all your home and condo needs.

Whether you are living abroad or living in Newfoundland we are here to help you when purchasing or selling your St.John’s property along the way. If you are looking for investment opportunities for Newfoundland properties, relocation services or looking to buy your first or next property we can help.

Our team is dedicated to making buying your home or condo as easy and pain free as possible. St.John’s MLS and private sales transactions can be confusing and overwhelming. Let us take the stress off and start smart; invest in our team, free of charge. Nothing to lose, everything to gain!

When purchasing property in Newfoundland, whether it is a heritage property, condo or a new turnkey home you need to start smart and engage a local realtor who knows the St.John’s MLS listings, communities and amenities to act on your behalf. With all the new property development and prices growing at an exponential rate, how will you know if you have made the right choice? Your realtor can help.