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Homeownership and Home Financing Decisions. Made Easy.

The choices you make about housing are some of the most important decisions you’ll ever make.

Should you rent or buy? How much can you afford to spend? What kind of mortgage should you choose? And what are the up-front and long-term costs that come with responsible homeownership?

As Canada’s national housing agency, CMHC offers reliable, objective and unbiased information about all of your home and home financing options.

Whether you're:


we have the information to help you make informed decisions and the right choices for you.

Did You Know...

39% of recent homebuyers have their mortgage payments set higher than the minimum amount required.

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86% of recent homebuyers agree that homeownership is a good long-term investment.

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81% of recent homebuyers relied on the advice of a mortgage lender, broker or other professional.

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75% of consumers who researched mortgages online used an online mortgage calculator.

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75% of recent homebuyers feel it is very important to pay off their mortgage as soon as possible.

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88% of recent buyers indicated that they had a good sense of how much mortgage they could afford before buying a home.

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80% of recent homebuyers have some form of household budget.

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Canadians take, on average, 11 months to plan the purchase of a home.

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