Insured financing

CMHC premium calculator.

Estimate mortgage default-insurance costs using current CMHC homeowner premium bands and Canadian minimum down-payment rules.

Purchase details

A 30-year insured amortization is limited to eligible first-time buyers or buyers of a new build.

Estimate only. Ontario sales tax on the premium is normally paid at closing and cannot be added to the mortgage. Eligibility and final premium are determined by the lender and insurer. Sources: CMHC premium schedule and Government of Canada down-payment guidance.
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