Fran Lee, Broker, ABR, e-PRO, MCIL
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Nothing Great Was Ever Achieved Without Enthusiasm - Ralph Waldo Emerson

Ontario, Canada


Real Estate Is Not My Job. Real Estate Is My Passion!



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Contact Me

Fran Lee, Broker

1055 McNicoll Avenue
Toronto, Ontario, M1W 3W6


Your Trusted Advisor in Real Estate

Welcome to my web site, your source of Toronto real estate,



Dear Friends,

In today's competitive real estate market, timing is everything.  Many good homes are sold before they are ever advertised. Beat other homebuyers to the hottest new homes for sale in Toronto with my New Listings Notification

If you own real estate that you're thinking of selling, I would be happy to provide you with a FREE Home Evaluation.

Whether you are buying or selling a home, hire someone like me, who wants to earn your business. I invite you to contact me as I'd be happy to assist you with this important transaction.

In addition, if you have any general questions about buying or selling real estate in Ontario, please contact me as I'm more than willing to help.

I don't have a PhD degree in rocket science, but I am constantly upgrading my knowledge and expertise in real estate related disciplines and languages to serve you better:

- Licensed under the "Sales Representative" category by the Real Estate Council of Ontario in 1999, and licensed under the "Broker" category since 2001 

- Recipient of RE/MAX Hall of Fame Award in 2010

- Recipient of RE/MAX 100% Club Awards (2003, 2004, 2005, 2006, 2007, 2008, 2009, 2010)

- Feature Agent on "Profiles of Success" Toronto East Edition 2008 

- Accredited Buyer Representative designation awarded by the Real Estate Buyer Agent's Council

- e-PRO certification and designation awarded by the National Association of Realtors

- M ember of the Chartered Institute of Linguists designation with Diploma in Translation from English into Chinese awarded by the Chartered Institute of Linguists

Please browse my website for listings, reports and important local real estate information.


Fran Lee


RE/MAX Crossroads Realty Inc.


Real Estate Market Update



Mortgage Rates Update


May 6, 2016


1 Year 2.89% 2.29%
2 Year 2.84% 2.14%
3 Year 3.39% 2.20%
4 Year 3.89% 2.44%
5 Year 4.64% 2.49%
7 Year 5.30% 3.44%
10 Year 6.10% 3.84%
Variable   2.20%
Prime Rate     2.70%

*Rates are provided by Mortgage Alliance and are subject to change without notice. 


Mortgage Calculators


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.

The mortgage calculator below will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

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:  $
  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)
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %

Online Articles & Reports

To enhance your buying and selling experience, it’s my job as a knowledgeable real estate professional to provide you with as much valuable information as possible. Whether it be through newsletters, checklists or news articles, I am here to make your buying or selling process stress-free and rewarding. Please access my free articles and reports today!

*My Profile

My April 2010 eNewsletter

Common Selling Mistakes

HST Transition Rules

RE/MAX Housing Market Outlook 2010

Sheppard Avenue East Light Rail Transit

First Name: 
Last Name: 
* * Maximum of 2000 characters

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