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  • National Housing Strategy
    • What is the strategy?
      • About the initiatives
      • How to apply
      • Help & Resources
      • Priority areas for action
      • Glossary
    • The First-Time Home Buyer Incentive
    • Shared Equity Mortgage Provider Fund
      • Preconstruction Loans
        Stream 1
      • Shared Equity Mortgages (SEM)
        Stream 2
    • Federal/Provincial/Territorial Housing Agreements
    • Federal Community Housing Initiative
    • Federal Lands Initiative
    • A CMHC-SSHRC Joint Initiative: Collaborative Housing Research Network
    • National Housing Co-Investment Fund
    • Rental Construction Financing
    • Affordable Housing Innovation Fund
    • Other funding and financing opportunities
    • Community Housing Transformation Centre and Sector Transformation Fund
    • Community-Based Tenant Initiative
    • NHS Demonstrations Initiative
    • Solutions Labs
      • Social Innovation Labs Resources
      • Solution Lab Consultant Information
    • The Collaborative Housing Research Network
    • NHS Research and Planning Fund
    • CMHC Housing Research Scholarship Program
    • Housing Research Awards
    • National Housing Conference
      • National Housing Conference 2018
    • NHS Housing Needs Data
  • Buying
    • Homebuying Step by Step
      • Decide if Homeownership is Right for You
      • Check if You are Financially Ready to Own a Home
      • Finance Your Home
      • Find the Right Home
      • Make an Offer and Close the Deal
      • Maintain Your Home and Protect Your Investment
    • Condominium Buyer's Guide
      • Chapter 1: Condominium Basics
      • Chapter 2: Condominium Governance
      • Chapter 3: The Pros and Cons of Condominium Ownership
      • Chapter 4: Buying a Condominium
      • Chapter 5: Checklists, Tips and FAQ's
      • Tips for Buying a New Condominium
      • Tips for Buying a Resale Condominium
      • Checklist for Buying a New Condominium
      • Checklist for Buying a Resale Condominium
      • Condominium Purchase and Recurring Costs
      • Physical Evaluation Checklist (For Resale Units)
      • Questions to Ask Advisors and Condominium Experts
      • Frequently Asked Questions
      • Glossary
      • Provincial and Territorial Fact Sheets
        • Alberta Fact Sheet
        • British Columbia Fact Sheet
        • Manitoba Fact Sheet
        • New Brunswick Fact Sheet
        • Newfoundland and Labrador Fact Sheet
        • Northwest Territories Fact Sheet
        • Nova Scotia Fact Sheet
        • Nunavut Fact Sheet
        • Ontario Fact Sheet
        • Prince Edward Island Fact Sheet
        • Quebec Fact Sheet
        • Saskatchewan Fact Sheet
        • Yukon Fact Sheet
    • Financial Information and Calculators
      • Mortgage Fraud
      • Mortgage Planning Tips
      • Plan and Manage Your Mortgage
      • Your Credit Report
      • Government of Canada Programs to Support Homebuyers
      • Your Home Value
    • Seniors Housing
      • Housing options for Seniors
      • Housing and Finance Tips
      • Mortgage Financing Options for People 55+
      • Preventing Fraud and Financial Abuse
    • Newcomers
    • Mortgage Loan Insurance for Consumers
      • CMHC Green Home
      • CMHC — Home Renovation Financing Options
      • FAQs — Mortgage Loan Insurance
      • What are the General Requirements to Qualify for Homeowner Mortgage Loan Insurance?
      • What is CMHC Mortgage Loan Insurance?
      • CMHC Mortgage Loan Insurance Costs
  • Renting
    • I Want to Rent
      • Things to Consider Before Renting
      • Types of Housing for Rent in Canada
      • Finding or Advertising a Rental Property
      • Visiting the Rental Property
      • Lease and Rental Agreements
      • Signing the Lease
      • Credit Checks and Bad Credit
      • Rental Payments and Deposits
      • Roommates and Pets
    • I Am Renting
      • Moving Day
      • Landlord/Tenant Responsibilities
      • Inspections
      • Maintenance & repairs
      • Complaints & evictions
      • Rent Increase
      • When you can't pay Rent
      • Renewing or terminating the lease
      • Moving Out
  • Developing and Renovating
    • Funding Opportunities
      • First Nations Development Funding
        • Direct Lending Program for First Nation Communities
        • Funding Opportunities Tool for Indigenous Housing
        • Insured Loans for On-Reserve First Nation Housing
        • On-Reserve Non Profit Housing Program (Section 95)
        • Proposal Development Funding (PDF) for First Nation Communities
      • On-Reserve Renovation Programs
        • Emergency Repair Program (ERP)
        • Home Adaptations for Seniors' Independence (HASI)
        • Residential Rehabilitation Assistance Program (RRAP) – Regular
        • Shelter Enhancement Program (SEP)
      • Seed Funding
      • Preservation Funding for Community Housing
    • Testimonials
    • Develop New Affordable Housing
      • Manufactured Housing: Affordable Quality Homes
      • Programs and Information
        • About Affordable Housing in Canada
        • Affordable Housing in Canada's North
        • Affordable Housing Programs Across Canada
        • Reno/Retro 2016: Funding for Existing Social Housing
        • Housing Action Plans: A Guide for Municipalities
        • Development Checklist for Affordable Housing
        • Housing Development Resources
    • First Nation Housing
      • Housing Internship Initiative for First Nation and Inuit Youth (HIIFNIY)
      • Our Work With First Nation Communities
      • Keeper of My Home
    • Developing Sustainable Housing
      • Maintenance and Resource Efficiency for Buildings
      • Webcast: Advancing Sustainable and Affordable Housing in Canada
      • Energy and Water Savings Case Studies
    • Accessible and Adaptable Housing
      • Universal Design for New Housing Units
      • Secondary Suites
      • Accessible Housing by Design
      • Aging in Place
        • Aging in Place Success Stories
        • Housing a Senior Population: The Economic and Social Benefits
        • Hiring a Contractor
      • Universal Design and Adaptable Housing Models
    • Provincial/Territorial Agreements
      • Bilateral IAH Agreements and Public Reporting
      • National IAH Funding Table
      • Investment in Affordable Housing (IAH)
    • External Links
  • Managing and Maintaining
    • Managing Affordable Housing
      • Connect with an Affordable Housing Specialist
      • Affordable Housing Project Profiles
      • Housing Management Hub
        • Contractors and Suppliers
        • Evictions and Expulsions
        • Capital Replacement Planning
        • Governance for Housing Organizations
        • Steps for Managing Vacancies
          • Welcome new residents
        • Policy Information
          • Why are policies important
          • Policy Enforcement
          • Policies Your Housing Organization Needs
          • Developing Effective Policies
        • Tendering Contracts
    • Manage First Nation Properties
      • First Nation Housing Policies Development Guide
        • Decide if You Need a Written Policy
        • Research the Housing Policy
        • Write and Review the Housing Policy
        • Develop the Housing Policy Implementation Plan
        • Get Approval for the Housing Policy
        • Implement and Monitor the Housing Policy
        • Revise or Cancel the Policy as Required
      • Tenant Records
      • Building Code Compliance for First Nation Housing
      • Finances
        • Differences Between the On-Reserve Non-Profit Housing Program Pre-1997 and Post-1996
        • Understanding Operating Agreement Terms
      • Maintenance Solutions
        • How to Maintain a Heat Recovery Ventilator
        • Maintenance Planning Guide for First Nation Communities
        • Mould in Housing
          • Information for Occupants
          • Information for Housing Managers
          • Information for Builders and Renovators
          • Flood Cleanup and Mould Prevention
          • Mould Cleanup at a Glance: Infographic
          • Mould in Housing at Glance
        • Mould in Housing
          • Step1
      • Role of a First Nation Housing Manager
    • Maintenance Funding and Information
      • Governance and Finance Information Series
      • Loans Administration and Direct Lending
      • Off-Reserve Aboriginal Social Housing
      • Prepayment Flexibility for Co-operatives and Non-Profits
      • Renovation Programs for On-Reserve Housing
      • Tendering Contracts Information Series
    • Co-operative Housing Guide
  • Data and Research
    • News Releases and Reports Calendar
    • Housing in Canada Online (HiCO)
    • Publications and Reports
    • Housing Market Information Portal
    • CMHC Library
    • Data Tables
      • Funding and Securitization Data
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      • Housing Market Data
      • Mortgage and Debt Data
      • Rental Market Data
      • Rental Market Survey Reliability Tables
    • Survey Methods
    • Core Housing Need
    • CMHC Licence Agreement for the Use of Data
    • Survey Notices
    • Consumer Surveys
      • 2018 Mortgage Consumer Survey Results
        • Homebuyers insights
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        • Home financing choices
        • MCS blog
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    • Mortgage Loan Insurance
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      • Contact Mortgage Loan Insurance
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      • The Resource
        • Home Buying Step by Step
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        • NHA Approved Lenders — Atlantic Central
      • emili
        • emiliTRACKER
    • Canada Mortgage Bonds
    • Canadian Registered Covered Bonds
      • Canadian Covered Bonds Registry
    • NHA Mortgage Backed Securities
      • MBS Information Circulars
        • MBS Information Circulars Search Page
  • CMHC E-Newsletters
    • Affordable Housing E-newsletter
      • Affordable Housing E-newsletter Subscription
    • First Nation E-newsletter
      • First Nation E-newsletter Subscription
    • Housing Research E-newsletter
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    • Client e-Update
      • Client e-Update Subscription
    • Multi-Unit e-Update
      • Multi Unit eUpdate - Subscription
  • CMHC Library
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  • About CMHC
    • CMHC’s Story
    • Management and Governance
      • Board of Directors and Committees
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        • Pension Overview
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      • CMHC Annual Report
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      • Joint Auditors Special Examination Report to CMHC Board 2018
      • Summary of the Corporate Plan
    • Contact Us
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    • Speakers Bureau
    • Careers
    • Social Housing Information
      • Administration of Social Housing
      • Existing Social Housing
      • Social Housing Programs
  • Housing Observer
  • Media Newsroom
    • Media Relations
 

Every home has a story.


Read more about how we help Canadians meet their housing needs.

WHAT CAN WE HELP YOU WITH?

Buying

Tools and information to help you buy a house or condominium in Canada.

Managing and Maintaining

Tools and funding for housing management and sustainable maintenance. 

Rental Housing

Rental rules and processes for building owners, landlords and tenants.

Data and Research

The latest trends, research, data and insights on housing in Canada.

Developing and Renovating

Resources and funding for new builds, conversions and renovations. 

Finance and Investing

Mortgage insurance, securities, bonds and more for professionals. 

Common Tasks for

Buying

  • Homebuying Step by Step
  • Mortgage Consumer Survey
  • Mortgage Payment Calculator
  • Research, Market and Housing Data

Data and Research

  • Data Tables
  • Housing Market Information Portal
  • Housing Research eNewsletter
  • Our Housing Library

Developing and Renovating

  • Affordable Housing Funding Opportunities
  • First Nation Development Funding
  • Affordable Housing Webinar
  • Research, Market and Housing Data

Finance and Investing

  • Mortgage Loan Insurance
  • Mortgage-Backed Securities
  • Canada Mortgage Bonds
  • Canadian Registered Covered Bonds

Managing and Maintaining

  • Guide to Co-op Housing
  • Free Capital Replacement Planning Tools
  • First Nations Housing Toolkit
  • Research, Market and Housing Data

Rental Housing

  • Rent or Buy Calculator
  • Lease and Rental Agreements
  • Funding for Rental Housing
  • Research, Market and Housing Data

Housing Observer

November 12, 2019

Register for Marché de l'habitation

Join the discussion on housing solutions at Les Affaires’ 3rd annual conference — Marché de l'habitation.
Housing Starts
November 8, 2019

October Housing Starts trended lower

Learn more.
November 7, 2019

How vulnerable was Canada’s Housing Market in Q4 2019?

Moderate. See how we gauged our degree of housing vulnerability.
Fall 2019 Update
November 6, 2019

Mortgage market continues to slow amid low delinquencies

Get the latest Residential Mortgage Industry Report Quarterly Dashboard.
Housing Market Insight on Québec
October 30, 2019

Québec renters call the city’s least affordable sectors home

Get a close-up look at the characteristics of renter households in Québec.
October 24, 2019

Housing activity expected to recover in 2020

Get the latest updated forecast on housing market activity from our most recent Housing Market Reports.
Housing Starts
October 8, 2019

September starts trend at highest level since April 2018

Learn more.
September 19, 2019

A gender-based approach to affordable housing: a good idea?

Get the results of a 2017 survey on applying a gender-based approach to affordable housing.
Housing Starts
September 10, 2019

August starts trend to its highest level since June 2018

Learn more.
September 4, 2019

Housing research projects: Training awards of up to $120,000

Postdoc students read more on the Housing Research Scholarship Program.
Whitehorse, Yellowknife, Iqaluit
September 3, 2019

2018: A strong year for housing markets in the North

Get the housing report on the 3 territories from our most recent Northern Housing Market Outlook.
Housing Market Insight Gatineau
August 21, 2019

Apartments make up growing share of Gatineau housing starts

See how Gatineau residential construction has evolved since 1990.
August 20, 2019

Find the housing knowledge you need, right here

Our Housing Knowledge Centre brings you trusted information from over 70 years of research.
August 19, 2019

Canadian city offers new way of looking at housing needs

Learn about Kelowna’s alternative to the housing continuum: the Wheelhouse.
Kitchener – Cambridge – Waterloo: Short-Term Sales & Investment
August 15, 2019

Home prices rose 26% in Kitchener – Cambridge – Waterloo

Learn more about price growth and investment activity in the area between 2015 and 2018.
Housing Starts
August 9, 2019

National trend in housing starts increased in July

Learn more.
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