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  • Homebuying Calculators

    • Mortgage Calculator
    • Mortgage Loan Insurance Premium Calculator
    • Affordability Calculator
    • Debt Service Calculator

    Mortgage Loan Insurance for Consumers

    • What is CMHC Mortgage Loan Insurance?
    • Do I Qualify for Mortgage Loan Insurance?
    • CMHC Mortgage Loan Insurance Costs
    • CMHC’s Eco Products
    • CMHC – Home Renovation Financing Options
    • FAQs – Mortgage Loan Insurance

    Information for Homebuyers

    • First-Time Home Buyer Incentive
    • Government of Canada Homebuyer Incentives and Rebates
    • Housing Information for Newcomers to Canada

    Homebuying Step by Step: Guide and Checklist

    Plan, budget, and buy your home with these resources.

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    CMHC’s condominium buyer’s guide

    Everything you need to know when buying a condominium in Canada.

    Learn More
  • Managing Your Mortgage

    • Mortgage Fraud
    • Mortgage Planning Tips
    • Plan and Manage Your Mortgage
    • Your Credit Report
    • Your Home Value

    Aging in Place

    • Housing Options for Seniors
    • Mortgage Financing Options for People 55+
    • Housing and Finance Tips
    • Preventing Fraud and Financial Abuse

    Dealing with Financial Hardships

    Alternative payment arrangements when facing financial difficulties.

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    Mortgage Planning Tips

    By planning your mortgage out in advance, you’ll save money and be better prepared to deal with any financial setbacks.

    Learn More
  • I Want to Rent

    • Things to Consider Before Renting
    • Finding or Advertising a Rental Property
    • Lease and Rental Agreements
    • Credit Checks and Bad Credit
    • Roommates and Pets
    • Types of Housing for Rent in Canada
    • Visiting the Rental Property
    • Signing the Lease
    • Rental Payments and Deposits

    I Am Renting

    • Moving Day
    • Inspections
    • Complaints and Evictions
    • When You Can’t Pay Rent
    • Moving Out
    • Landlord/Tenant Responsibilities
    • Maintenance and Repairs
    • Rent Increases
    • Renewing or Terminating the Lease

    Maintenance and Repairs

    Key responsibilities of tenants and landlords for building maintenance and repairs.

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    Things to Consider Before Renting

    Tips for tenants and landlords. Things to consider when looking for rental housing and evaluating costs.

    Learn More
  • Professionals
  • Consumers
  • Housing Observer
  • About
Buying a Home
  • Mortgage Calculator
  • Mortgage Loan Insurance Premium Calculator
  • Affordability Calculator
  • Debt Service Calculator
  • What is CMHC Mortgage Loan Insurance?
  • Do I Qualify for Mortgage Loan Insurance?
  • CMHC Mortgage Loan Insurance Costs
  • CMHC’s Eco Products
  • CMHC – Home Renovation Financing Options
  • FAQs – Mortgage Loan Insurance
  • First-Time Home Buyer Incentive
  • Government of Canada Homebuyer Incentives and Rebates
  • Housing Information for Newcomers to Canada
Owning a Home
  • Mortgage Fraud
  • Mortgage Planning Tips
  • Plan and Manage Your Mortgage
  • Your Credit Report
  • Your Home Value
  • Housing Options for Seniors
  • Mortgage Financing Options for People 55+
  • Housing and Finance Tips
  • Preventing Fraud and Financial Abuse
Renting a Home
  • Things to Consider Before Renting
  • Finding or Advertising a Rental Property
  • Lease and Rental Agreements
  • Credit Checks and Bad Credit
  • Roommates and Pets
  • Types of Housing for Rent in Canada
  • Visiting the Rental Property
  • Signing the Lease
  • Rental Payments and Deposits
  • Moving Day
  • Inspections
  • Complaints and Evictions
  • When You Can’t Pay Rent
  • Moving Out
  • Landlord/Tenant Responsibilities
  • Maintenance and Repairs
  • Rent Increases
  • Renewing or Terminating the Lease
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How much home can I afford in Canada?

Estimate how much home you can afford in Canada based on your income, debts and monthly expenses using a housing affordability calculator.

Check my home affordability

What is CMHC Mortgage Loan Insurance?

Learn what mortgage loan insurance is, when it’s required and how it works when your down payment is less than 20%.

Learn about mortgage loan insurance

What will my monthly mortgage payments be?

Estimate your monthly mortgage payments in Canada based on your loan amount, interest rate and amortization period.

Estimate my mortgage payments

What does CMHC mortgage loan insurance cost?

Estimate your CMHC mortgage loan insurance premium based on your home price and down-payment amount.

Estimate my insurance cost
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Backing a Well-Functioning, Stable, Resilient Housing System Across Canada

Canada Mortgage and Housing Corporation (CMHC) provides trusted housing finance solutions and unbiased housing data, research and insights across Canada. We offer information, tools and resources to help you understand housing affordability, mortgage costs and the expenses involved in buying or planning a home.

Tools and resources for Canadian homebuyers and renters

Buying a home

Understand the costs of buying a home in Canada, mortgage options and the steps to own a home. Access first-time homebuyer tools, affordability calculators and resources to support buying a home.

Owning a home

Manage your mortgage, maintain your home and plan for long-term homeownership costs in Canada. Learn how to reduce housing costs, improve energy efficiency, and maintain safe and healthy housing.

Renting a home

Find, secure and maintain rental housing in Canada. Learn about tenant rights and responsibilities, rental agreements and rental housing supports in Canada.

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