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    Mortgage Loan Insurance for Consumers

    • What is CMHC Mortgage Loan Insurance?
    • Do I Qualify for Mortgage Loan Insurance?
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    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.

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  • Managing Your Mortgage

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    • Plan and Manage Your Mortgage
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    Aging in Place

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    • Mortgage Financing Options for People 55+
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    • 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.

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  • 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
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    I Am Renting

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    • 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.

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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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  • Renting or buying. Which option is right for you?
  • Buying a home
  • Mortgage loan insurance for consumers
  • CMHC’s Eco Products
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CMHC’s Eco Products: Get a 25% mortgage insurance refund for energy-efficient homes

Eco Products help homeowners save money and reduce energy use through an insurance premium refund for eligible energy-efficient homes and renovations.


  • For Renovations, Apply
    for Eco Improvement
    If you purchased a fixer upper and completed energy-efficient renovations, apply for a 25% refund on your CMHC insurance premium.

  • For Newly Built Efficient Homes, Apply
    For Eco Plus
    If your newly built home is already energy-efficient, apply for a 25% refund on your CMHC insurance premium.

Why Choose CMHC Eco Products?

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    Cost Savings
    Enjoy reduced energy bills and take advantage of eligible rebates and incentives to make eco-friendly upgrades more affordable.

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    Environmental Impact
    Help reduce your home's carbon footprint and contribute to a more sustainable future.

Lender Information
Help your clients save money. Get resources tailored to lenders for each of these products by visiting Eco Products for Lenders.

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