CMHC Insurance Calculator

Understanding your mortgage costs is the first step toward confident homeownership. This calculator uses Ontario-specific rules and current market assumptions to help you plan - then talk to Bobby for a strategy tailored to your situation.

Purchase Price ($)

Down Payment ($)

Amortization (years)2530

Interest Rate (%)

30-year amortization eligible (FTHB / new build surcharge)

Non-traditional down payment (90-95% LTV)

Calculate CMHC Premium

CMHC / Sagen / Canada Guaranty rates. Max insured price $1.5M. PST paid at closing, not added to mortgage. OAC.

Why Use This Calculator?

Ontario mortgages involve provincial land transfer tax, CMHC insurance thresholds, and stress-test qualifying rates. Our tools are built for local rules - not generic US calculators.

Next Steps

Calculators show possibilities. A finance consultation turns numbers into a strategy - especially for self-employed, private, and alternative lending scenarios.