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.

Homeownership Products (1 – 4 units)

Find and compare the best mortgage insurance products for your clients:

  • CMHC Purchase

    Enables homebuyers to purchase a home with a minimum down payment starting at 5 per cent.

  • CMHC Portability

    Allows borrowers to port the CMHC Mortgage Loan Insurance from an existing home to a new home and in some cases save money by reducing or eliminating the premium on the financing of the new home.

  • CMHC Refinance

    Allows borrowers to refinance their mortgage up to 80% of its current value or as improved value.

  • CMHC Newcomer

    Provides newcomers to Canada, with permanent or non-permanent residence status, access, to CMHC mortgage loan insurance products through Approved Lenders.

  • CMHC Green Home

    Provides mortgage loan insurance for the purchase of an energy-efficient home or to make energy-efficient improvements to an existing home. Borrowers may be eligible for an insurance premium refund of up to 25%.

  • CMHC Income Property

    Provides investors with more housing finance choice when buying or refinancing a 1 – 4 unit rental property.

  • CMHC Self-Employed

    Allows self-employed borrowers, with traditional third-party validation income, to realize their dreams of homeownership.

  • CMHC Improvement

    Offers greater choice to borrowers who are building new homes or who want to undertake small or large scale improvements to existing homes.

Related Information



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