145 St Andrew Street W Fergus
Up to 44 photos available.
- Listed Since: April 1st 2020
Welcome to 145 St Andrew Street West in Downtown Fergus coming to the open market for the first time since it was completely renovated in 2012. Saying this is a gem hiding in plain sight is a true understatement. You will be completely amazed at the level of designer finishes and workmanship throughout the 3 floors of this special building. The separate commercial first floor with exposed stone walls and high ceilings would make an amazing office for a professional, complete with kitchenette and bathroom. And the top 2 floors without a doubt this is one of the nicest 2 storey loft style residential units you will see anywhere. We will let the pictures do the talking on this one. Top loft level could easily be a 2nd bedroom. Private outside living space out back and parking. Commercial and residential space have separate utilities. A great live-work opportunity. (id:23309)
- Address: 145 ST ANDREW STREET W
- Location: FERGUS
- Ownership: FREEHOLD
- MLS: 30800702
|2pc Bathroom||Ground level|
|Mud room||Ground level||13' 4'' x 12' 10''|
|Kitchen||Ground level||7' 5'' x 7' 9''|
|Living room||Ground level||16' 1'' x 29' 11''|
|Den||Ground level||16' 2'' x 11' 0''|
|4pc Bathroom||Second level|
|Family room||Second level||13' 8'' x 15' 7''|
|Dining room||Second level||20' 3'' x 10' 9''|
|Master bedroom||Second level||13' 2'' x 10' 4''|
|Kitchen||Second level||8' 10'' x 13' 10''|
|Laundry room||Second level||6' 3'' x 8' 3''|
|Loft||Third level||19' 8'' x 16' 9''|
Monthly Mortgage Payments
Thinking about buying 145 St Andrew Street W -- lets calculate some payment options and see if purchasing this home can become a reality.
- Down Payment
The amount of money you pay up front to obtain a mortgage. The minimum down payment is 5% and for down payments of less than 20%, home buyers are required to purchase mortgage default insurance, commonly referred to as CMHC insurance.
- Mortgage Insurance
Mortgage default insurance, commonly referred to as CMHC insurance, protects the lender in the case the borrower defaults on the mortgage. Mortgage default insurance is required on all mortgages with down payments of less than 20%, which are known as high ratio mortgages. Mortgage default insurance is calculated as a percentage and is applied to your mortgage amount.
- Mortgage Rate
The rate of interest you will pay on the outstanding balance of your mortgage.
- Mortgage Type
The mortgage type includes the term of the mortgage, between 1 to 10 years and the rate type, variable or fixed. The mortgage term is the length of time you commit to the terms, conditions and mortgage rate. The mortgage rate type can be fixed for the duration of the term or variable, fluctuating with the prime rate. Fixed rates are most popular and represent 66% of all mortgages, according to the Canadian Association of Accredited Mortgage Professionals.
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