Deborah Nicol 250586-4601 Email Deborah
DEBORAH NICOL Opening Doors for YOU!

OPENING DOORS FOR YOU...where dreams come home.

Deborah Nicol will help make Your Dreams a Reality

Welcome to my web site and thanks for stopping by! After viewing my web site, I hope that my record and experience will speak for itself.

Buying a home is sometimes a complex undertaking. Hiring me, a real estate professional, will help save you time and money. Together, we will determine your needs and wants and find or sell your home. I promise to make your real estate experience stress-free and agreeable. I possess a wide range of real estate experience and guarantee to find or sell your home in a timely and professional manner. I will make sure that you get the most out of your next real estate transaction by taking advantage of cutting edge technology, products and services.

I invite you to contact me with any of your real estate needs and questions, as I am here to serve you, the client! I look forward to hearing from you soon!


Deborah Nicol

SRES (Senior Real Estate Specialist)

CNE (Certified Negotiation Expert)

Associate Broker

460 Realty

314 Island Highway East

Parksville, BC V9P 2H1






Find Out How Much Your Home Is Worth..

Before you put your house on the market, or conside.r buying another home, you need to find out how much homes are selling for in today's market, so you can make your plans based on the most up-to-date information available Give me a call at 250-607-7038 for a Complementary Maximum Value Home Audit.....




Let us help you find out what you can afford! Our 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
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:  %


A 10K Run and a 5K Walk/Run

SUNDAY, JUNE 12, 2016

10:00 AM

Here is a great way to help support our local environmental group,

Mid Vancouver Islan Habitat Enhancement Society (

and have an opportunity to spend some time in your watershed.


This run will take you along the trails of the Englishman River

in the Englishman River Regional Park. Come out and have some

fun with your family and friends.

Not really dog friendly but you are welcome to bring the whole family.

Ask about the Family Rate!


Register online at or at


See You There!!

There are currently no Events.

Coming Events

There are currently no Events.