To obtain CMHC Mortgage Loan Insurance, lenders pay an insurance premium. Typically, your lender will pass these costs on to you. Your lender will give you the exact price when you apply for a mortgage.

On some houses to 25% premium refund may be available when CMHC Mortgage Loan Insurance is used to finance an Energy-Efficient Home.

Loan-to-Value Ratio
Premium Rate applied to Total Loan Amount Premium on Increase to Loan Amount for Portability
Up to and including 65% 0.60% 0.60%
65.01% to 75% 1.70% 5.90%
75.01% to 80% 2.40% 6.05%
80.01% to 85% 2.80% 6.20%
85.01% to 90% 3.10% 6.25%
90.01% to 95% Traditional down payment 4.00% 6.30%
90.01% to 95% — Non-Traditional Down Payment** 4.50% 6.60 %

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