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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
	Required term in years Must be a number between 1 and 50
Term In Years:
	Required interest rate Must be a number between 1 and 100
Interest Rate:	%
	Required cost of home
Cost of Home:	$
	Required down payment Cannot be more than Cost of Home
Down Payment:	$
	Required annual insurance
Annual Insurance:	$
	Estimate Insurance to 0.43% of Cost
	Required annual property tax
Annual Property Tax:	$
	Estimate Tax to 1.2% of Cost
	Required monthly income
Monthly Income:	$
	Required monthly debt
Monthly Debt:	$
Optional Fields
Gross Debt Service Ratio (GDS):
Total Debt Service Ratio (TDS):
Condos Fees:	$

Results

Receive this Detailed Analysis

Mortgage
Qualification
Affordability
Rent vs Buy

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: $	RequiredMust be a positive number
Annual Rental Increases:	RequiredInvalid%
Monthly Renter Insurance: $	RequiredInvalid
Savings or Investment Rate:	RequiredInvalid%

Owning
Planned # of years in home:	RequiredInvalid
Yearly appreciation of the home:	RequiredInvalid%
Annual home maintenance:	RequiredInvalid%

Testimonials

"I had listed my property with another agent who provided very little support, and made little effort to sell the property. Alan Swinamer was recommended to me. From the day I first talked with him I felt confident. His attention to me and the property was exemplary; the result was a fast and very satisfactory sale. He fully understood my situation and worked hard to ensure that the results were what I needed. Alan provides the exact kind of services you want from your realtor; he supports you throughout the whole process, and after as well."

Richard C.

Cumberland County

Nova Scotia

For those of you looking for a really great Realtor my husband & I throughly recommend Alan. He's genuinely friendly & listens to what you require, offers a second to none service & is full of very useful advice regarding pre & post house buying, as it's so different to the UK his advice was invaluable

Tracey & Glyn

Testimonial

I cannot recommend Alan Swinamer highly enough! He made the entire process of searching for a home, buying a home and selling a home incredibly stress free and painless! He never hesitated to go the extra mile, as well as made himself available at all times for us. He kindly and competently answered all our questions! Believe me you wont be disappointed!! I had no idea it could be this positive an experience.

M. Moore

Featured Listings

Welcome

MLS Property Search

Calculators

Testimonials

Testimonial