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CMHC's Mortgage Loan Insurance Products

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Get One Step Ahead With CMHC

CMHC has a wide range of mortgage insurance products to meet your clients’ needs. As Canada’s first mortgage loan insurance provider, we bring the knowledge and experience to ensure you stay well-informed. Beyond insurance, we have products, services and insights into the Canadian market that will keep you one step ahead.

Your browser does not support the video tag. Transcript

[Visual: Multiple historical, black-and-white photos flash by rapidly on screen, showing houses, buildings and people in offices and at outdoor events. The final screen shows colour images of the CMHC building and logo, with the text “CMHC Canada Mortgage and Housing Corporation, SCHL Société Canadienne d’hypothèques et de logement” and the Canada Wordmark (the Government of Canada logo) on the side.]

00:00:03  Narrator: We are Canada’s first mortgage loan insurance provider.  00:00:07

00:00:04 – 00:00:07

[Visual: Various images flash on screen, showing different scenes inside an office building: a person walking along a hallway reading documents, a woman walking down the hall looking at her phone, a woman and man having a discussion as they walk, a closeup from behind of a person carrying a briefcase, then a woman walking into a boardroom full of people.]

We have over 70 years of experience designing and delivering industry-leading products, services and market analysis.  00:00:16

00:00:08 – 00:00:16

[Visual: The text “Over 70 years of experience.” appears in blue on a white background.
Screen transitions to a boardroom with large windows, where four people are having a meeting. Screen transitions to two men looking at a computer screen together, then to a closeup of the Google search homepage, with the words “industry-leading products” being typed into the search field. The image changes to rapidly zoom in on a CMHC webpage with the heading “Get in touch” and text below, which is only partially visible, and starts with “Contact us for more details on our full range of programs.” The cursor clicks on the “Contact” button below the text. The screen transitions, and the text “Market Analysis” appears in the middle of the screen, over a background image of a laptop sitting on a desk with a cup of coffee. The laptop is open to a webpage titled “CMHC’s Mortgage Loan Insurance Products.” Someone reaches out from the left side of the screen to close the laptop.]

We can process a homeowner’s mortgage insurance application in seconds with our online application system, saving you time and money.  00:00:26

00:00:17 – 00:00:26

[Visual: View from above of a person opening a laptop that’s sitting on a round table with a notebook and two cellphones. Video transitions to a woman and a man in business attire sitting at a table and looking at a document together while smiling. Next, a closeup shows a person’s hand scrolling on a tablet screen. The text “Access to largest database of properties” appears on screen as the video transitions to a closeup of a person’s hands typing on a keyboard. The closeup zooms out as the text disappears, and the video transitions to a woman walking down the street while looking at her phone and smiling.]

00:00:26 – 00:00:28

[Visual: Rapid succession of images while music plays in the background with no voiceover, showing a closeup of a Canadian flag waving in the wind, a beach at sunset with people walking along the shore, then Toronto’s downtown skyline with the CN Tower at the lake’s edge.]

Our products are available for Canadians from coast to coast to coast, no matter their location.  00:00:35

00:00:29 – 00:00:36

[Visual: A group of workers building a house in a forested area, then a closeup of a person working under the eaves of a new log house. Screen transitions quickly to a wide-angle view of tree trunks in an old-growth forest, then a group of coloured houses along the shore at the edge of a steep cliff, ending with a view across a snowy, mountainous northern landscape. Video transitions to an aerial view of a town in a forested area in autumn, with snow-capped mountains in the distance. Next, the video flashes to another aerial shot of a forested area in autumn, with the sun setting behind the hills as a lone car drives along a rural highway. Video transitions to a view of a city skyline along a waterway where multiple sailboats are moored, then transitions briefly to an aerial view of a wide water channel with buildings on either side and a small ferry boat crossing the channel.]

As the only provider of multi-unit insurance, we also have a unique view into the rental market, offering valuable insights to support your business objectives.  00:00:47 

00:00:37 – 00:00:46

[Visual: The screen transitions, and the text “Only provider of mortgage loan insurance for multi-unit residential properties.” appears in blue on a white background. The text disappears, and the video transitions to show two multi-unit residential buildings with a construction crane in the background. Video transitions to a construction site in a forested area, with three single-storey houses, one nearly complete, the two others still under construction. Video transitions to a slowly spinning aerial view of a house in the early stages of construction, in the middle of a gravel area. Video transitions to show three women and two men standing around a table in a windowed office meeting room. The image transitions to a closeup of the same five people standing around the meeting room table.]

We have decades of expertise and a deep understanding of the market, perfecting the tools and services you need to stay one step ahead.  00:00:56

00:00:47 – 00:00:56

[Visual: A series of black-and-white, then colour photos of various houses and buildings appears rapidly on a black background, piling up on each other as they appear. Then the screen transitions rapidly between several images showing momentary closeups of different individual men and women in various locations, each looking into the camera. Screen transitions to a closeup from behind of a person looking at a computer screen showing columns of data and with multiple sticky notes along the screen rim. Screen transitions to show the words “Tools and Services” being typed into a blue search field on a white background. Then the image zooms out rapidly, and a blue button with the text “Ready?” appears below the search field. The cursor moves up and clicks on the word “Ready?” The screen transitions to show a group of two men and two women in business attire standing together and looking into the camera. The text “One step ahead.” appears on screen, superimposed on the four people.]

00:00:57 – 00:01:06

[Visual: Screen transitions to a white background showing the CMHC SCHL logo at the centre of the screen. The logo slides to the right, and the Canada Wordmark (the Government of Canada logo) appears on the left. Both logos remain on screen as the music continues to play. The screen slowly fades to black.]

Mortgage loan insurance for homeowner and small rental (1 to 4 units)

Explore homeowner and small rental mortgage loan insurance options. From self-employed to first-time buyers, CMHC supports homeowners nationwide through a range of products.

View products

Mortgage loan insurance for multi-unit properties (5+ units)

As the only multi-unit mortgage insurance provider, CMHC’s products support the construction, purchase, and refinancing of multi-unit rental properties in Canada.

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Underwriting Centre

If you have questions about mortgage loan insurance or how to submit an application, CMHC’s Underwriting Centre can help.

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Financial Solution Tools

Tools and resources to help you make the most of our products and services.

Default Management Tool Selector

Identify the most effective tools to devise a default management plan.

Learn more

Mortgage Calculator

Compare rates, payment frequency, amortization, and more to find your best mortgage options.

Learn more
 

GDS / TDS Formula

Calculate the key debt service ratios and evaluate the impact of debt and fixed payments.

 
 

Default, Claims and Properties for Sale

Tools and insurance options to effectively manage loan situations.

 
 

How to recognize and report mortgage fraud

Learn more about what mortgage fraud is, the common types of fraud and how to report it.

 

Beyond Mortgage Loan Insurance

Our understanding of the Canadian housing industry spans beyond mortgage loan insurance.

Data, Research and Insights

Our research empowers you with the reliable data and insights you need today to make sound business decisions.

360° View of the Industry

Our holistic understanding of the housing industry spans beyond mortgage loan insurance and provides you with thorough knowledge of the industry.

Tools, Resources and Training

Our tools, resources and specialized training can help you meet the evolving needs of Canadians.

Get in touch

Contact us for more details on our full range of products, tools and upcoming training.

Contact

NHA Approved Lenders

Explore the institutions approved to lend, underwrite and/or administer CMHC-insured housing loans.

Learn more

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