Alan Swinamer
Dartmouth, NS Cell: (902) 209-9555
Home:
Work Phone:
Email Alan
Make the Right Move

Featured Listings


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Featured Listing


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Welcome


As a full time Real Estate professional, I am committed to providing my clients the best service available. Whether you are looking to buy or sell a home, I am here to assist you.


With over 24 years of sales experience in the Halifax/Dartmouth area, I have built a network of numerous professionals who can assist you with your move, financial needs, home improvement projects and the like. Let me help you realize your dreams.

Please browse my website for listings, and other Real Estate related information. There are many other listings aside from what's contained on my web site and I would be happy to provide you with the information on these as well.



Sincerely,

Alan Swinamer
Nova Coast Realty Inc
902-209-9555

 

Make the Right Move

 

A great u-tube clip on Nova Scotia:

 

http://www.youtube.com/watch?v=2krP7HQMGgo

 

 


MLS Property Search



Calculators


Let me help you find out what you can afford! The mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.


Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
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:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %