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| Building Insurance Included | |
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22 - 35 Birchcliff Avenue
Birchcliffe-Cliffside, Toronto
$849,000
West light, treetop views and a layout that feels easy from the moment you walk in. This bright 2-bedroom, 2-bath Birchcliff condo townhouse is finished with luxury vinyl flooring and an airy main level where the kitchen, living and dining spaces flow together naturally. The kitchen is clean and functional with stainless steel appliances, stone counters and a centre island with overhang seating, while large windows bring in courtyard views and plenty of natural light.Upstairs, the primary bedroom offers double closets and its own ensuite. The second bedroom adds flexibility and opens to a balcony, while the upper level also takes in treetop views that give the home a calmer, more open feel. A private terrace extends the living space outdoors and gives you a comfortable place to lounge, dine or spend time outside.Kingston Road is right nearby for shops, services and transit, while Lake Ontario and Scarborough Crescent Park are a short drive away. Clifftop views, open lawns, a playground, splash pad and four tennis courts bring a quieter, more outdoorsy rhythm to the neighbourhood.Bright, well laid out and connected to both the city and the lake, this is Birchcliff living with room to settle in.*** NOTE: The listing price has been adjusted to reflect the net price after application of the newly introduced HST rebates ***
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What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $4,346
- Property tax
- $681
- Heat allowance
- $150
- Condo fees, half counted
- $241
- Housing costs
- $5,417 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$167,000
gross annual household income
- Payment at 4%
- $3,573 / mo
- Cash down
- $169,800
Assumes no other monthly debts · 25-yr amortization
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