On November 30, 2016 our website content will be updated to reflect these changes:

  • High ratio loans (> 80% loan-to-value) submitted for mortgage loan insurance, must be qualified using the Mortgage Rate Stress Test.
  • New eligibility requirements for low ratio loans (≤ 80% loan-to-value) come into effect on November 30, 2016.

Mortgage Loan Insurance

Buying a home is exciting — but it can also be challenging. With so many details to consider, how can you be confident you’re making the right decisions?

Canada Mortgage and Housing Corporation (CMHC) is here to help. Drawing on more than 70 years of experience, we offer you peace of mind, working with you to demystify all aspects of homebuying to help you enjoy an informed and assured homebuying and homeownership experience.

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