For over 65 years, CMHC has helped millions of Canadians meet their housing needs. CMHC provides mortgage loan insurance that enables you to buy a home sooner with a minimum down payment of 5%. And CMHC is there with you every step of the way — with information before, during and after your home purchase.
Mortgage Loan Insurance
Everything you need to open new doors
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 65 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.
In This Section:
- What is CMHC Mortgage Loan Insurance?
Provides a brief outline of the structure and benefits of CMHC Mortgage Loan Insurance.
- Dealing with Mortgage Payment Difficulties
Learn how you can work with your lender to find the best solution for your mortgage payment problems.
- Homebuying Tools — Calculators
Easy to use mortgage tools to help you establish your financial situation, determine how much house you can afford and the maximum price that you should be considering.
- Financing an Energy-Efficient Home or Energy-Saving Improvements is Easier than You Think
You could be eligible for a 10% refund on your mortgage loan insurance premium from CMHC when you purchase an energy-efficient home or make energy-saving renovations.
- Home Renovation Financing Options
Information for a number of financing options, along with practical advice to consider before starting your renovation project.
- FAQ: CMHC Mortgage Loan Insurance
Frequently Asked Questions on mortgage loan insurance