20 Spicebush Terrace
Credit Valley, Brampton
$1,050,000
Walkout Basement Backing Onto Pond! Welcome to 20 Spicebush Terrace, this 2,500+ sqft home comes equipped with 4 generously sized bedrooms, an upstairs home office, living room+family room, along with a spacious breakfast/dining area and a massive kitchen. Minutes to Mount Pleasant Go Station, Walmart, many restaurants, parks, schools, and community centres! This home is perfect for a large/growing family or investor looking to create a basement apartment to maximize their rental income. *Photos have been virtually staged; the property is VACANT*
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What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $5,374
- Property tax
- $679
- Heat allowance
- $150
- Housing costs
- $6,203 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$191,000
gross annual household income
- Payment at 4%
- $4,419 / mo
- Cash down
- $210,000
Assumes no other monthly debts · 25-yr amortization
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