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CMHC Calculator

Ontario CMHC insurance calculator

Mortgage calculator by

Mortgage Insurance Providers


Canada Mortgage and Housing Corporation (CMHC) is Canada’s national housing agency. Established as a government-owned corporation in 1946 to address Canada’s post-war housing shortage, the agency has grown into a major national institution. CMHC is Canada’s premier provider of mortgage loan insurance, mortgage-backed securities, housing policy and programs, and housing research. More about CMHC can be found at

Genworth Financial

GE Mortgage Insurance Canada together, with its related affiliates, is the largest private sector mortgage insurance company in the world and the only private sector supplier of mortgage insurance in Canada.


Mortgage Insurance Premiums Explained

Mortgage loan insurance premiums are calculated as a percentage of the loan and is based on the size of your down payment. The higher the percentage of the total house price/value that you borrow, the higher percentage you will pay in insurance premiums.


Loan-to-Value Ratio
  • Up to and including 65%
  • Up to and including 75%
  • Up to and including 80%
  • Up to and including 85%
  • Up to and including 90%
  • Up to and including 95%
  • 90.01% to 95% – Non-Traditional Down Payment
Standard Premium
  • 0.60%
  • 0.75%
  • 1.25%
  • 1.80%
  • 2.40%
  • 3.15%
  • 3.35%