Presale Mortgage & Deposit Calculator

A presale calculator helps buyers estimate affordability before choosing a floor plan. The most important inputs are purchase price, down payment, staged deposit schedule, interest rate assumption, amortization, property tax estimate, strata fee estimate, expected rent and completion timing. Because presale homes complete in the future, buyers should stress test payments rather than relying only on today's rate environment.

BC presale deposits are usually paid in stages and commonly average 5–15% depending on developer terms. Buyers also need to prepare for closing costs such as property transfer tax, GST where applicable, legal fees, adjustments and moving costs. Investors should compare projected rent, vacancy, strata fees and long-term appreciation assumptions before making a decision.

The calculator is a planning tool, not a mortgage approval. Use it to compare scenarios, then confirm financing with a licensed mortgage professional and verify current project incentives with the Presale Properties team before signing a contract.