CANADA MORTGAGE AND HOUSING CORPORATION Access CMHC funding, research, knowledge and expertise to help make affordable housing a reality. Explore your options. RAPID HOUSING INITIATIVE (RHI) The Government of Canada, through CMHC, has launched the Rapid Housing Initiative (RHI). A $1 billion program to help address urgent housing needs of vulnerable Canadians, especially in the context of COVID-19, through the rapid construction of affordable housing. The initiative provides capital contributions (upon signing a funding agreement CMHC RELEASES 2021 HOUSING MARKET OUTLOOK CMHC releases 2021 Housing Market Outlook. Ottawa, May 6, 2021. While economic growth, employment and net migration in Canada recover from losses incurred during the COVID-19 pandemic, home sales and price growth will moderate from unsustainable 2020 levels but remain elevated. This forecast is according to the Canada Mortgage and

Housing

AFFORDABLE HOUSING PROGRAMS ACROSS CANADA The Government of Canada, through CMHC, works with its provincial and territorial partners by providing funding to reduce the number of Canadians in need by improving access to affordable, sound and suitable housing under the Investment in Affordable Housing (IAH).Provinces and territories also deliver affordable housing programs that are not funded under the IAH. FIRST-TIME HOME BUYER INCENTIVE The First-Time Home Buyer Incentive helps qualified first-time homebuyers reduce their monthly mortgage payments without adding to their financial burdens.. The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada. It offers: 5% or 10% for a first-time buyer’s purchase of a newly constructed home HOUSING SUPPLY CHALLENGE The Housing Supply Challenge invites citizens, stakeholders, and experts to propose solutions to the barriers to new housing supply. The challenge will distribute $300 million in funding over 5 years. Successful submissions that address barriers to supply will receive

funding to

RENTAL MARKET REPORT This is new for the 2020 survey. For those apartment structures with rents in arrears: 32.5% reported their arrears rate as similar to 2019. 58.3% reported a higher arrears rate. 9.2% said arrears were lower compared to 2019. Use CMHC’s Rental Market Data tables CANADA GREENER HOMES Canada Greener Homes Grant. The Canada Greener Homes Grant will invest $2.6 billion over 7 years to help up to 700,000 Canadian homeowners across the country improve the energy efficiency of their homes and reduce their energy bills. Homeowners will be able to receive grants of up to $5,000 to make energy-efficient retrofits to their homes and

SEED FUNDING

Interest-free loans and non-repayable contributions to help public, private and non-profit groups create or maintain quality affordable

housing in Canada.

HOUSING MARKET INFORMATION PORTAL Adapted from Statistics Canada Postal Code OM Conversion File (June 2013) which is based on data licensed from Canada Post Corporation. This tool does not validate postal codes OM OM: Postal Code is an official mark of Canada Post. CANADA MORTGAGE AND HOUSING CORPORATION Access CMHC funding, research, knowledge and expertise to help make affordable housing a reality. Explore your options. RAPID HOUSING INITIATIVE (RHI) The Government of Canada, through CMHC, has launched the Rapid Housing Initiative (RHI). A $1 billion program to help address urgent housing needs of vulnerable Canadians, especially in the context of COVID-19, through the rapid construction of affordable housing. The initiative provides capital contributions (upon signing a funding agreement CMHC RELEASES 2021 HOUSING MARKET OUTLOOK CMHC releases 2021 Housing Market Outlook. Ottawa, May 6, 2021. While economic growth, employment and net migration in Canada recover from losses incurred during the COVID-19 pandemic, home sales and price growth will moderate from unsustainable 2020 levels but remain elevated. This forecast is according to the Canada Mortgage and

Housing

AFFORDABLE HOUSING PROGRAMS ACROSS CANADA The Government of Canada, through CMHC, works with its provincial and territorial partners by providing funding to reduce the number of Canadians in need by improving access to affordable, sound and suitable housing under the Investment in Affordable Housing (IAH).Provinces and territories also deliver affordable housing programs that are not funded under the IAH. FIRST-TIME HOME BUYER INCENTIVE The First-Time Home Buyer Incentive helps qualified first-time homebuyers reduce their monthly mortgage payments without adding to their financial burdens.. The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada. It offers: 5% or 10% for a first-time buyer’s purchase of a newly constructed home HOUSING SUPPLY CHALLENGE The Housing Supply Challenge invites citizens, stakeholders, and experts to propose solutions to the barriers to new housing supply. The challenge will distribute $300 million in funding over 5 years. Successful submissions that address barriers to supply will receive

funding to

RENTAL MARKET REPORT This is new for the 2020 survey. For those apartment structures with rents in arrears: 32.5% reported their arrears rate as similar to 2019. 58.3% reported a higher arrears rate. 9.2% said arrears were lower compared to 2019. Use CMHC’s Rental Market Data tables CANADA GREENER HOMES Canada Greener Homes Grant. The Canada Greener Homes Grant will invest $2.6 billion over 7 years to help up to 700,000 Canadian homeowners across the country improve the energy efficiency of their homes and reduce their energy bills. Homeowners will be able to receive grants of up to $5,000 to make energy-efficient retrofits to their homes and

SEED FUNDING

Interest-free loans and non-repayable contributions to help public, private and non-profit groups create or maintain quality affordable

housing in Canada.

HOUSING MARKET INFORMATION PORTAL Adapted from Statistics Canada Postal Code OM Conversion File (June 2013) which is based on data licensed from Canada Post Corporation. This tool does not validate postal codes OM OM: Postal Code is an official mark of Canada Post. CANADA'S NATIONAL HOUSING STRATEGY Canada's National Housing Strategy is a 10-year, $40-billion plan creating a new generation of housing in Canada giving more Canadians a place to call home. Click through to learn more. AFFORDABLE HOUSING PROGRAMS ACROSS CANADA The Government of Canada, through CMHC, works with its provincial and territorial partners by providing funding to reduce the number of Canadians in need by improving access to affordable, sound and suitable housing under the Investment in Affordable Housing (IAH).Provinces and territories also deliver affordable housing programs that are not funded under the IAH.

MORTGAGE CALCULATOR

To calculate an amount for you, we've assumed the interest rate is fixed over the entire amortization period. In fact, interest is usually renegotiated at the end of each mortgage term, when rates may be higher or lower. Other options, such as a variable interest rate, can also result in a different payment amount. CANADA LAUNCHES $2 MILLION FUNDING INITIATIVE TO Canada launches $2 million funding initiative to demonstrate Community Land Trusts (CLTs) and Land Assembly Solutions for Affordable Housing.

CMHC PURCHASE

Let’s look at the difference between purchasing a single-detached home priced at $760,000. We’ll compare a conventional down payment with a CMHC Purchase down payment. Conventional down payment. $760,000 x 20% = $152,000. Down payment with CMHC Purchase. = 5% of $500,000 + 10% of $260,000. = $25,000 + $26,000. FUNDING PROGRAMS FOR NEW CONSTRUCTION AND RENOVATION Funding programs. Apply for National Housing Strategy or other CMHC funding to build or renovate affordable housing. Funding opportunities to build new affordable housing in Canada. Funding to repair, renew or renovate the existing affordable housing stock. Funding opportunities to promote excellence in housing innovation and research. MORTGAGE LOAN INSURANCE AND PREMIUMS The following table provides you with a general idea of the premiums charged by CMHC. The exact premium will be calculated when you apply for a mortgage and provincial sales tax may apply. Loan–to-Value. Premium on Total Loan**. Standard Purchase Premium. Up to and including 65%. 0.60%. Up to and including 75%. 1.70%. UPDATED NHA MBS FORMS 2810 — Application for Approval as a Private Mortgage Insurer Under the NHA MBS Program. 2812 — NHA MBS Guarantee Application and Approval. 2814 — Mortgage Pool Servicing Agreement. 2820 — Custodial Agreement. 2822 — Release of Security Interest. 2824 — Schedule of Pooled Mortgages. 2825 — Title Custodian Certifications.

SEED FUNDING

Interest-free loans and non-repayable contributions to help public, private and non-profit groups create or maintain quality affordable

housing in Canada.

HOUSING MARKET INFORMATION PORTAL Adapted from Statistics Canada Postal Code OM Conversion File (June 2013) which is based on data licensed from Canada Post Corporation. This tool does not validate postal codes OM OM: Postal Code is an official mark of Canada Post. CANADA MORTGAGE AND HOUSING CORPORATION Access CMHC funding, research, knowledge and expertise to help make affordable housing a reality. Explore your options. RAPID HOUSING INITIATIVE (RHI) The Government of Canada, through CMHC, has launched the Rapid Housing Initiative (RHI). A $1 billion program to help address urgent housing needs of vulnerable Canadians, especially in the context of COVID-19, through the rapid construction of affordable housing. The initiative provides capital contributions (upon signing a funding agreement CMHC RELEASES 2021 HOUSING MARKET OUTLOOK CMHC releases 2021 Housing Market Outlook. Ottawa, May 6, 2021. While economic growth, employment and net migration in Canada recover from losses incurred during the COVID-19 pandemic, home sales and price growth will moderate from unsustainable 2020 levels but remain elevated. This forecast is according to the Canada Mortgage and

Housing

AFFORDABLE HOUSING PROGRAMS ACROSS CANADA The Government of Canada, through CMHC, works with its provincial and territorial partners by providing funding to reduce the number of Canadians in need by improving access to affordable, sound and suitable housing under the Investment in Affordable Housing (IAH).Provinces and territories also deliver affordable housing programs that are not funded under the IAH. FIRST-TIME HOME BUYER INCENTIVE The First-Time Home Buyer Incentive helps qualified first-time homebuyers reduce their monthly mortgage payments without adding to their financial burdens.. The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada. It offers: 5% or 10% for a first-time buyer’s purchase of a newly constructed home HOUSING SUPPLY CHALLENGE The Housing Supply Challenge invites citizens, stakeholders, and experts to propose solutions to the barriers to new housing supply. The challenge will distribute $300 million in funding over 5 years. Successful submissions that address barriers to supply will receive

funding to

RENTAL MARKET REPORT This is new for the 2020 survey. For those apartment structures with rents in arrears: 32.5% reported their arrears rate as similar to 2019. 58.3% reported a higher arrears rate. 9.2% said arrears were lower compared to 2019. Use CMHC’s Rental Market Data tables CANADA GREENER HOMES Canada Greener Homes Grant. The Canada Greener Homes Grant will invest $2.6 billion over 7 years to help up to 700,000 Canadian homeowners across the country improve the energy efficiency of their homes and reduce their energy bills. Homeowners will be able to receive grants of up to $5,000 to make energy-efficient retrofits to their homes and

SEED FUNDING

Interest-free loans and non-repayable contributions to help public, private and non-profit groups create or maintain quality affordable

housing in Canada.

HOUSING MARKET INFORMATION PORTAL Adapted from Statistics Canada Postal Code OM Conversion File (June 2013) which is based on data licensed from Canada Post Corporation. This tool does not validate postal codes OM OM: Postal Code is an official mark of Canada Post. CANADA MORTGAGE AND HOUSING CORPORATION Access CMHC funding, research, knowledge and expertise to help make affordable housing a reality. Explore your options. RAPID HOUSING INITIATIVE (RHI) The Government of Canada, through CMHC, has launched the Rapid Housing Initiative (RHI). A $1 billion program to help address urgent housing needs of vulnerable Canadians, especially in the context of COVID-19, through the rapid construction of affordable housing. The initiative provides capital contributions (upon signing a funding agreement CMHC RELEASES 2021 HOUSING MARKET OUTLOOK CMHC releases 2021 Housing Market Outlook. Ottawa, May 6, 2021. While economic growth, employment and net migration in Canada recover from losses incurred during the COVID-19 pandemic, home sales and price growth will moderate from unsustainable 2020 levels but remain elevated. This forecast is according to the Canada Mortgage and

Housing

AFFORDABLE HOUSING PROGRAMS ACROSS CANADA The Government of Canada, through CMHC, works with its provincial and territorial partners by providing funding to reduce the number of Canadians in need by improving access to affordable, sound and suitable housing under the Investment in Affordable Housing (IAH).Provinces and territories also deliver affordable housing programs that are not funded under the IAH. FIRST-TIME HOME BUYER INCENTIVE The First-Time Home Buyer Incentive helps qualified first-time homebuyers reduce their monthly mortgage payments without adding to their financial burdens.. The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada. It offers: 5% or 10% for a first-time buyer’s purchase of a newly constructed home HOUSING SUPPLY CHALLENGE The Housing Supply Challenge invites citizens, stakeholders, and experts to propose solutions to the barriers to new housing supply. The challenge will distribute $300 million in funding over 5 years. Successful submissions that address barriers to supply will receive

funding to

RENTAL MARKET REPORT This is new for the 2020 survey. For those apartment structures with rents in arrears: 32.5% reported their arrears rate as similar to 2019. 58.3% reported a higher arrears rate. 9.2% said arrears were lower compared to 2019. Use CMHC’s Rental Market Data tables CANADA GREENER HOMES Canada Greener Homes Grant. The Canada Greener Homes Grant will invest $2.6 billion over 7 years to help up to 700,000 Canadian homeowners across the country improve the energy efficiency of their homes and reduce their energy bills. Homeowners will be able to receive grants of up to $5,000 to make energy-efficient retrofits to their homes and

SEED FUNDING

Interest-free loans and non-repayable contributions to help public, private and non-profit groups create or maintain quality affordable

housing in Canada.

HOUSING MARKET INFORMATION PORTAL Adapted from Statistics Canada Postal Code OM Conversion File (June 2013) which is based on data licensed from Canada Post Corporation. This tool does not validate postal codes OM OM: Postal Code is an official mark of Canada Post. CANADA'S NATIONAL HOUSING STRATEGY Canada's National Housing Strategy is a 10-year, $40-billion plan creating a new generation of housing in Canada giving more Canadians a place to call home. Click through to learn more. AFFORDABLE HOUSING PROGRAMS ACROSS CANADA The Government of Canada, through CMHC, works with its provincial and territorial partners by providing funding to reduce the number of Canadians in need by improving access to affordable, sound and suitable housing under the Investment in Affordable Housing (IAH).Provinces and territories also deliver affordable housing programs that are not funded under the IAH.

MORTGAGE CALCULATOR

To calculate an amount for you, we've assumed the interest rate is fixed over the entire amortization period. In fact, interest is usually renegotiated at the end of each mortgage term, when rates may be higher or lower. Other options, such as a variable interest rate, can also result in a different payment amount. CANADA LAUNCHES $2 MILLION FUNDING INITIATIVE TO Canada launches $2 million funding initiative to demonstrate Community Land Trusts (CLTs) and Land Assembly Solutions for Affordable Housing.

CMHC PURCHASE

Let’s look at the difference between purchasing a single-detached home priced at $760,000. We’ll compare a conventional down payment with a CMHC Purchase down payment. Conventional down payment. $760,000 x 20% = $152,000. Down payment with CMHC Purchase. = 5% of $500,000 + 10% of $260,000. = $25,000 + $26,000. FUNDING PROGRAMS FOR NEW CONSTRUCTION AND RENOVATION Funding programs. Apply for National Housing Strategy or other CMHC funding to build or renovate affordable housing. Funding opportunities to build new affordable housing in Canada. Funding to repair, renew or renovate the existing affordable housing stock. Funding opportunities to promote excellence in housing innovation and research. MORTGAGE LOAN INSURANCE AND PREMIUMS The following table provides you with a general idea of the premiums charged by CMHC. The exact premium will be calculated when you apply for a mortgage and provincial sales tax may apply. Loan–to-Value. Premium on Total Loan**. Standard Purchase Premium. Up to and including 65%. 0.60%. Up to and including 75%. 1.70%. UPDATED NHA MBS FORMS 2810 — Application for Approval as a Private Mortgage Insurer Under the NHA MBS Program. 2812 — NHA MBS Guarantee Application and Approval. 2814 — Mortgage Pool Servicing Agreement. 2820 — Custodial Agreement. 2822 — Release of Security Interest. 2824 — Schedule of Pooled Mortgages. 2825 — Title Custodian Certifications.

SEED FUNDING

Interest-free loans and non-repayable contributions to help public, private and non-profit groups create or maintain quality affordable

housing in Canada.

HOUSING MARKET INFORMATION PORTAL Adapted from Statistics Canada Postal Code OM Conversion File (June 2013) which is based on data licensed from Canada Post Corporation. This tool does not validate postal codes OM OM: Postal Code is an official mark of Canada Post. CANADA MORTGAGE AND HOUSING CORPORATION Access CMHC funding, research, knowledge and expertise to help make affordable housing a reality. Explore your options. CMHC RELEASES 2021 HOUSING MARKET OUTLOOK CMHC releases 2021 Housing Market Outlook. Ottawa, May 6, 2021. While economic growth, employment and net migration in Canada recover from losses incurred during the COVID-19 pandemic, home sales and price growth will moderate from unsustainable 2020 levels but remain elevated. This forecast is according to the Canada Mortgage and

Housing

RAPID HOUSING INITIATIVE (RHI) The Government of Canada, through CMHC, has launched the Rapid Housing Initiative (RHI). A $1 billion program to help address urgent housing needs of vulnerable Canadians, especially in the context of COVID-19, through the rapid construction of affordable housing. The initiative provides capital contributions (upon signing a funding agreement RENTAL MARKET REPORT This is new for the 2020 survey. For those apartment structures with rents in arrears: 32.5% reported their arrears rate as similar to 2019. 58.3% reported a higher arrears rate. 9.2% said arrears were lower compared to 2019. Use CMHC’s Rental Market Data tables FIRST-TIME HOME BUYER INCENTIVE The First-Time Home Buyer Incentive helps qualified first-time homebuyers reduce their monthly mortgage payments without adding to their financial burdens.. The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada. It offers: 5% or 10% for a first-time buyer’s purchase of a newly constructed home HOUSING SUPPLY CHALLENGE The Housing Supply Challenge invites citizens, stakeholders, and experts to propose solutions to the barriers to new housing supply. The challenge will distribute $300 million in funding over 5 years. Successful submissions that address barriers to supply will receive

funding to

MORTGAGE LOAN INSURANCE AND PREMIUMS The following table provides you with a general idea of the premiums charged by CMHC. The exact premium will be calculated when you apply for a mortgage and provincial sales tax may apply. Loan–to-Value. Premium on Total Loan**. Standard Purchase Premium. Up to and including 65%. 0.60%. Up to and including 75%. 1.70%. NATIONAL HOUSING CO-INVESTMENT FUND The National Housing Co-Investment Fund supports the new and revitalization construction of mixed-income, mixed-tenure, mixed-use affordable housing. Funded projects need support from another level of government to ensure a coordination of investments. National Housing Co-Investment Fund in action: Find out how non-profit organizations in

SEED FUNDING

Interest-free loans and non-repayable contributions to help public, private and non-profit groups create or maintain quality affordable

housing in Canada.

FEDERAL COMMUNITY HOUSING INITIATIVE Funding and support for housing providers and their low-income tenants. The Federal Community Housing Initiative (FCHI) is a $500 million fund to support federally administered community housing projects reaching the end of their operating agreements from past social and affordable housing programs. The initiative has two phases: CANADA MORTGAGE AND HOUSING CORPORATION Access CMHC funding, research, knowledge and expertise to help make affordable housing a reality. Explore your options. CMHC RELEASES 2021 HOUSING MARKET OUTLOOK CMHC releases 2021 Housing Market Outlook. Ottawa, May 6, 2021. While economic growth, employment and net migration in Canada recover from losses incurred during the COVID-19 pandemic, home sales and price growth will moderate from unsustainable 2020 levels but remain elevated. This forecast is according to the Canada Mortgage and

Housing

RAPID HOUSING INITIATIVE (RHI) The Government of Canada, through CMHC, has launched the Rapid Housing Initiative (RHI). A $1 billion program to help address urgent housing needs of vulnerable Canadians, especially in the context of COVID-19, through the rapid construction of affordable housing. The initiative provides capital contributions (upon signing a funding agreement RENTAL MARKET REPORT This is new for the 2020 survey. For those apartment structures with rents in arrears: 32.5% reported their arrears rate as similar to 2019. 58.3% reported a higher arrears rate. 9.2% said arrears were lower compared to 2019. Use CMHC’s Rental Market Data tables FIRST-TIME HOME BUYER INCENTIVE The First-Time Home Buyer Incentive helps qualified first-time homebuyers reduce their monthly mortgage payments without adding to their financial burdens.. The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada. It offers: 5% or 10% for a first-time buyer’s purchase of a newly constructed home HOUSING SUPPLY CHALLENGE The Housing Supply Challenge invites citizens, stakeholders, and experts to propose solutions to the barriers to new housing supply. The challenge will distribute $300 million in funding over 5 years. Successful submissions that address barriers to supply will receive

funding to

MORTGAGE LOAN INSURANCE AND PREMIUMS The following table provides you with a general idea of the premiums charged by CMHC. The exact premium will be calculated when you apply for a mortgage and provincial sales tax may apply. Loan–to-Value. Premium on Total Loan**. Standard Purchase Premium. Up to and including 65%. 0.60%. Up to and including 75%. 1.70%. NATIONAL HOUSING CO-INVESTMENT FUND The National Housing Co-Investment Fund supports the new and revitalization construction of mixed-income, mixed-tenure, mixed-use affordable housing. Funded projects need support from another level of government to ensure a coordination of investments. National Housing Co-Investment Fund in action: Find out how non-profit organizations in

SEED FUNDING

Interest-free loans and non-repayable contributions to help public, private and non-profit groups create or maintain quality affordable

housing in Canada.

FEDERAL COMMUNITY HOUSING INITIATIVE Funding and support for housing providers and their low-income tenants. The Federal Community Housing Initiative (FCHI) is a $500 million fund to support federally administered community housing projects reaching the end of their operating agreements from past social and affordable housing programs. The initiative has two phases: CANADA'S NATIONAL HOUSING STRATEGY Canada's National Housing Strategy is a 10-year, $40-billion plan creating a new generation of housing in Canada giving more Canadians a place to call home. Click through to learn more. FIRST-TIME HOME BUYER INCENTIVE The First-Time Home Buyer Incentive helps qualified first-time homebuyers reduce their monthly mortgage payments without adding to their financial burdens.. The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada. It offers: 5% or 10% for a first-time buyer’s purchase of a newly constructed home CANADA LAUNCHES $2 MILLION FUNDING INITIATIVE TO Canada launches $2 million funding initiative to demonstrate Community Land Trusts (CLTs) and Land Assembly Solutions for Affordable Housing. CANADA SUPPORTS RAPID HOUSING IN WÔLINAK “Our Government is taking steps, right now, to ensure that everyone in Québec has a safe and affordable place to call home. Investments with our First Nations communities in Québec under the Rapid Housing Initiative will go a long way to effectively support those who need it most by quickly providing six new affordable housing units to vulnerable individuals and families. MORTGAGE LOAN INSURANCE AND PREMIUMS The following table provides you with a general idea of the premiums charged by CMHC. The exact premium will be calculated when you apply for a mortgage and provincial sales tax may apply. Loan–to-Value. Premium on Total Loan**. Standard Purchase Premium. Up to and including 65%. 0.60%. Up to and including 75%. 1.70%.

CMHC PURCHASE

Let’s look at the difference between purchasing a single-detached home priced at $760,000. We’ll compare a conventional down payment with a CMHC Purchase down payment. Conventional down payment. $760,000 x 20% = $152,000. Down payment with CMHC Purchase. = 5% of $500,000 + 10% of $260,000. = $25,000 + $26,000. UPDATED NHA MBS FORMS 2810 — Application for Approval as a Private Mortgage Insurer Under the NHA MBS Program. 2812 — NHA MBS Guarantee Application and Approval. 2814 — Mortgage Pool Servicing Agreement. 2820 — Custodial Agreement. 2822 — Release of Security Interest. 2824 — Schedule of Pooled Mortgages. 2825 — Title Custodian Certifications. CANADA GREENER HOMES Canada Greener Homes Grant. The Canada Greener Homes Grant will invest $2.6 billion over 7 years to help up to 700,000 Canadian homeowners across the country improve the energy efficiency of their homes and reduce their energy bills. Homeowners will be able to receive grants of up to $5,000 to make energy-efficient retrofits to their homes and UNDERSTANDING CORE HOUSING NEED Core housing need is a two-step indicator that determines if a household needs housing assistance to renovate or move. Learn more.

CMHC SELF-EMPLOYED

Share via Email. Done! Approximately 15% of the Canadian labour force is self-employed and may have difficulty accessing financing to buy a home, since their income sources may vary or be less predictable than those of employed borrowers. CMHC provides enhanced flexibility for satisfying income and employment requirements for all self-employed CANADA MORTGAGE AND HOUSING CORPORATION Access CMHC funding, research, knowledge and expertise to help make affordable housing a reality. Explore your options. CMHC RELEASES 2021 HOUSING MARKET OUTLOOK CMHC releases 2021 Housing Market Outlook. Ottawa, May 6, 2021. While economic growth, employment and net migration in Canada recover from losses incurred during the COVID-19 pandemic, home sales and price growth will moderate from unsustainable 2020 levels but remain elevated. This forecast is according to the Canada Mortgage and

Housing

RAPID HOUSING INITIATIVE (RHI) The Government of Canada, through CMHC, has launched the Rapid Housing Initiative (RHI). A $1 billion program to help address urgent housing needs of vulnerable Canadians, especially in the context of COVID-19, through the rapid construction of affordable housing. The initiative provides capital contributions (upon signing a funding agreement RENTAL MARKET REPORT This is new for the 2020 survey. For those apartment structures with rents in arrears: 32.5% reported their arrears rate as similar to 2019. 58.3% reported a higher arrears rate. 9.2% said arrears were lower compared to 2019. Use CMHC’s Rental Market Data tables FUNDING PROGRAMS FOR NEW CONSTRUCTION AND RENOVATION Funding programs. Apply for National Housing Strategy or other CMHC funding to build or renovate affordable housing. Funding opportunities to build new affordable housing in Canada. Funding to repair, renew or renovate the existing affordable housing stock. Funding opportunities to promote excellence in housing innovation and research. FIRST-TIME HOME BUYER INCENTIVE The First-Time Home Buyer Incentive helps qualified first-time homebuyers reduce their monthly mortgage payments without adding to their financial burdens.. The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada. It offers: 5% or 10% for a first-time buyer’s purchase of a newly constructed home CANADA MORTGAGE AND HOUSING CORPORATION Access CMHC funding, research, knowledge and expertise to help make affordable housing a reality. Explore your options. CMHC RELEASES 2021 HOUSING MARKET OUTLOOK CMHC releases 2021 Housing Market Outlook. Ottawa, May 6, 2021. While economic growth, employment and net migration in Canada recover from losses incurred during the COVID-19 pandemic, home sales and price growth will moderate from unsustainable 2020 levels but remain elevated. This forecast is according to the Canada Mortgage and

Housing

RAPID HOUSING INITIATIVE (RHI) The Government of Canada, through CMHC, has launched the Rapid Housing Initiative (RHI). A $1 billion program to help address urgent housing needs of vulnerable Canadians, especially in the context of COVID-19, through the rapid construction of affordable housing. The initiative provides capital contributions (upon signing a funding agreement RENTAL MARKET REPORT This is new for the 2020 survey. For those apartment structures with rents in arrears: 32.5% reported their arrears rate as similar to 2019. 58.3% reported a higher arrears rate. 9.2% said arrears were lower compared to 2019. Use CMHC’s Rental Market Data tables FUNDING PROGRAMS FOR NEW CONSTRUCTION AND RENOVATION Funding programs. Apply for National Housing Strategy or other CMHC funding to build or renovate affordable housing. Funding opportunities to build new affordable housing in Canada. Funding to repair, renew or renovate the existing affordable housing stock. Funding opportunities to promote excellence in housing innovation and research. FIRST-TIME HOME BUYER INCENTIVE The First-Time Home Buyer Incentive helps qualified first-time homebuyers reduce their monthly mortgage payments without adding to their financial burdens.. The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada. It offers: 5% or 10% for a first-time buyer’s purchase of a newly constructed home

MORTGAGE CALCULATOR

To calculate an amount for you, we've assumed the interest rate is fixed over the entire amortization period. In fact, interest is usually renegotiated at the end of each mortgage term, when rates may be higher or lower. Other options, such as a variable interest rate, can also result in a different payment amount. FIRST-TIME HOME BUYER INCENTIVE The First-Time Home Buyer Incentive helps qualified first-time homebuyers reduce their monthly mortgage payments without adding to their financial burdens.. The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada. It offers: 5% or 10% for a first-time buyer’s purchase of a newly constructed home CANADA SUPPORTS RAPID HOUSING IN WÔLINAK “Our Government is taking steps, right now, to ensure that everyone in Québec has a safe and affordable place to call home. Investments with our First Nations communities in Québec under the Rapid Housing Initiative will go a long way to effectively support those who need it most by quickly providing six new affordable housing units to vulnerable individuals and families. CANADA LAUNCHES $2 MILLION FUNDING INITIATIVE TO Canada launches $2 million funding initiative to demonstrate Community Land Trusts (CLTs) and Land Assembly Solutions for Affordable Housing.

CMHC NEWCOMERS

Newcomers to Canada are an important and growing segment of Canada’s population, creating new market opportunities. CMHC-insured financing is available to borrowers with permanent and non-permanent residency status.. We offer information in many languages on renting and buying apartments and houses, and can also help newcomers plan for and manage

a mortgage.

CMHC — MORTGAGE LOAN INSURANCE COST At the end of the day, for the vast majority of borrowers, the cost of CMHC Mortgage Loan Insurance is more than fully offset by the savings achieved. Up to 25% premium refund may be available when CMHC Mortgage Loan Insurance is used to finance an Energy-Efficient Home. Premiums in Quebec, Ontario and Saskatchewan are subject to provincial

SEED FUNDING

Interest-free loans and non-repayable contributions to help public, private and non-profit groups create or maintain quality affordable

housing in Canada.

UNDERSTANDING CORE HOUSING NEED Core housing need is a two-step indicator that determines if a household needs housing assistance to renovate or move. Learn more. NATIONAL HOUSING STRATEGY DEMONSTRATIONS INITIATIVE The National Housing Strategy Demonstrations Initiative has the following objectives: Fund solutions supporting housing affordability, the National Housing Strategy priority areas, population groups and outcomes that are ready to be demonstrated in a real environment. CANADA PROVIDES MORE RENTAL HOUSING FOR FAMILIES IN Quick facts: The vacancy rate in the City of Peterborough is at 2.6% (October 2020). Through the RCFi, the Government of Canada is encouraging the construction of more than 71,000 new rental housing

units.

CANADA MORTGAGE AND HOUSING CORPORATION Access CMHC funding, research, knowledge and expertise to help make affordable housing a reality. Explore your options. CMHC RELEASES 2021 HOUSING MARKET OUTLOOK CMHC releases 2021 Housing Market Outlook. Ottawa, May 6, 2021. While economic growth, employment and net migration in Canada recover from losses incurred during the COVID-19 pandemic, home sales and price growth will moderate from unsustainable 2020 levels but remain elevated. This forecast is according to the Canada Mortgage and

Housing

RAPID HOUSING INITIATIVE (RHI) The Government of Canada, through CMHC, has launched the Rapid Housing Initiative (RHI). A $1 billion program to help address urgent housing needs of vulnerable Canadians, especially in the context of COVID-19, through the rapid construction of affordable housing. The initiative provides capital contributions (upon signing a funding agreement RENTAL MARKET REPORT This is new for the 2020 survey. For those apartment structures with rents in arrears: 32.5% reported their arrears rate as similar to 2019. 58.3% reported a higher arrears rate. 9.2% said arrears were lower compared to 2019. Use CMHC’s Rental Market Data tables FUNDING PROGRAMS FOR NEW CONSTRUCTION AND RENOVATION Funding programs. Apply for National Housing Strategy or other CMHC funding to build or renovate affordable housing. Funding opportunities to build new affordable housing in Canada. Funding to repair, renew or renovate the existing affordable housing stock. Funding opportunities to promote excellence in housing innovation and research. FIRST-TIME HOME BUYER INCENTIVE The First-Time Home Buyer Incentive helps qualified first-time homebuyers reduce their monthly mortgage payments without adding to their financial burdens.. The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada. It offers: 5% or 10% for a first-time buyer’s purchase of a newly constructed home CANADA MORTGAGE AND HOUSING CORPORATION Access CMHC funding, research, knowledge and expertise to help make affordable housing a reality. Explore your options. CMHC RELEASES 2021 HOUSING MARKET OUTLOOK CMHC releases 2021 Housing Market Outlook. Ottawa, May 6, 2021. While economic growth, employment and net migration in Canada recover from losses incurred during the COVID-19 pandemic, home sales and price growth will moderate from unsustainable 2020 levels but remain elevated. This forecast is according to the Canada Mortgage and

Housing

RAPID HOUSING INITIATIVE (RHI) The Government of Canada, through CMHC, has launched the Rapid Housing Initiative (RHI). A $1 billion program to help address urgent housing needs of vulnerable Canadians, especially in the context of COVID-19, through the rapid construction of affordable housing. The initiative provides capital contributions (upon signing a funding agreement RENTAL MARKET REPORT This is new for the 2020 survey. For those apartment structures with rents in arrears: 32.5% reported their arrears rate as similar to 2019. 58.3% reported a higher arrears rate. 9.2% said arrears were lower compared to 2019. Use CMHC’s Rental Market Data tables FUNDING PROGRAMS FOR NEW CONSTRUCTION AND RENOVATION Funding programs. Apply for National Housing Strategy or other CMHC funding to build or renovate affordable housing. Funding opportunities to build new affordable housing in Canada. Funding to repair, renew or renovate the existing affordable housing stock. Funding opportunities to promote excellence in housing innovation and research. FIRST-TIME HOME BUYER INCENTIVE The First-Time Home Buyer Incentive helps qualified first-time homebuyers reduce their monthly mortgage payments without adding to their financial burdens.. The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada. It offers: 5% or 10% for a first-time buyer’s purchase of a newly constructed home

MORTGAGE CALCULATOR

To calculate an amount for you, we've assumed the interest rate is fixed over the entire amortization period. In fact, interest is usually renegotiated at the end of each mortgage term, when rates may be higher or lower. Other options, such as a variable interest rate, can also result in a different payment amount. FIRST-TIME HOME BUYER INCENTIVE The First-Time Home Buyer Incentive helps qualified first-time homebuyers reduce their monthly mortgage payments without adding to their financial burdens.. The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada. It offers: 5% or 10% for a first-time buyer’s purchase of a newly constructed home CANADA SUPPORTS RAPID HOUSING IN WÔLINAK “Our Government is taking steps, right now, to ensure that everyone in Québec has a safe and affordable place to call home. Investments with our First Nations communities in Québec under the Rapid Housing Initiative will go a long way to effectively support those who need it most by quickly providing six new affordable housing units to vulnerable individuals and families. CANADA LAUNCHES $2 MILLION FUNDING INITIATIVE TO Canada launches $2 million funding initiative to demonstrate Community Land Trusts (CLTs) and Land Assembly Solutions for Affordable Housing.

CMHC NEWCOMERS

Newcomers to Canada are an important and growing segment of Canada’s population, creating new market opportunities. CMHC-insured financing is available to borrowers with permanent and non-permanent residency status.. We offer information in many languages on renting and buying apartments and houses, and can also help newcomers plan for and manage

a mortgage.

CMHC — MORTGAGE LOAN INSURANCE COST At the end of the day, for the vast majority of borrowers, the cost of CMHC Mortgage Loan Insurance is more than fully offset by the savings achieved. Up to 25% premium refund may be available when CMHC Mortgage Loan Insurance is used to finance an Energy-Efficient Home. Premiums in Quebec, Ontario and Saskatchewan are subject to provincial

SEED FUNDING

Interest-free loans and non-repayable contributions to help public, private and non-profit groups create or maintain quality affordable

housing in Canada.

UNDERSTANDING CORE HOUSING NEED Core housing need is a two-step indicator that determines if a household needs housing assistance to renovate or move. Learn more. NATIONAL HOUSING STRATEGY DEMONSTRATIONS INITIATIVE The National Housing Strategy Demonstrations Initiative has the following objectives: Fund solutions supporting housing affordability, the National Housing Strategy priority areas, population groups and outcomes that are ready to be demonstrated in a real environment. CANADA PROVIDES MORE RENTAL HOUSING FOR FAMILIES IN Quick facts: The vacancy rate in the City of Peterborough is at 2.6% (October 2020). Through the RCFi, the Government of Canada is encouraging the construction of more than 71,000 new rental housing

units.

CANADA MORTGAGE AND HOUSING CORPORATION Access CMHC funding, research, knowledge and expertise to help make affordable housing a reality. Explore your options. CMHC RELEASES 2021 HOUSING MARKET OUTLOOK CMHC releases 2021 Housing Market Outlook. Ottawa, May 6, 2021. While economic growth, employment and net migration in Canada recover from losses incurred during the COVID-19 pandemic, home sales and price growth will moderate from unsustainable 2020 levels but remain elevated. This forecast is according to the Canada Mortgage and

Housing

RENTAL MARKET REPORT This is new for the 2020 survey. For those apartment structures with rents in arrears: 32.5% reported their arrears rate as similar to 2019. 58.3% reported a higher arrears rate. 9.2% said arrears were lower compared to 2019. Use CMHC’s Rental Market Data tables UNDERSTANDING CORE HOUSING NEED Core housing need is a two-step indicator that determines if a household needs housing assistance to renovate or move. Learn more. NATIONAL HOUSING CO-INVESTMENT FUND The National Housing Co-Investment Fund supports the new and revitalization construction of mixed-income, mixed-tenure, mixed-use affordable housing. Funded projects need support from another level of government to ensure a coordination of investments. National Housing Co-Investment Fund in action: Find out how non-profit organizations in SENIORS HOUSING SURVEY DATA rents. universe counts. services and amenities. The data is produced from CMHC’s Seniors Housing Survey (SHS). The SHS is a census covering all centers in each of the 10 provinces, and includes both private and non-profit seniors residences. Get findings from the latest Seniors Housing Survey on CMHC’s Housing Observer. UPDATED NHA MBS FORMS 2810 — Application for Approval as a Private Mortgage Insurer Under the NHA MBS Program. 2812 — NHA MBS Guarantee Application and Approval. 2814 — Mortgage Pool Servicing Agreement. 2820 — Custodial Agreement. 2822 — Release of Security Interest. 2824 — Schedule of Pooled Mortgages. 2825 — Title Custodian Certifications.

SEED FUNDING

Interest-free loans and non-repayable contributions to help public, private and non-profit groups create or maintain quality affordable

housing in Canada.

HOUSING SUPPLY CHALLENGE The Housing Supply Challenge invites citizens, stakeholders, and experts to propose solutions to the barriers to new housing supply. The challenge will distribute $300 million in funding over 5 years. Successful submissions that address barriers to supply will receive

funding to

LOGIN - CMHC-SCHL.GC.CA Canada Mortgage and Housing Corporation | 700 Montreal Rd. | Ottawa, ON | K1A 0P7. 1 888 GO EMILI / 1 866 358 9999 (emiliCLAIMS) CANADA MORTGAGE AND HOUSING CORPORATION Access CMHC funding, research, knowledge and expertise to help make affordable housing a reality. Explore your options. CMHC RELEASES 2021 HOUSING MARKET OUTLOOK CMHC releases 2021 Housing Market Outlook. Ottawa, May 6, 2021. While economic growth, employment and net migration in Canada recover from losses incurred during the COVID-19 pandemic, home sales and price growth will moderate from unsustainable 2020 levels but remain elevated. This forecast is according to the Canada Mortgage and

Housing

RENTAL MARKET REPORT This is new for the 2020 survey. For those apartment structures with rents in arrears: 32.5% reported their arrears rate as similar to 2019. 58.3% reported a higher arrears rate. 9.2% said arrears were lower compared to 2019. Use CMHC’s Rental Market Data tables UNDERSTANDING CORE HOUSING NEED Core housing need is a two-step indicator that determines if a household needs housing assistance to renovate or move. Learn more. NATIONAL HOUSING CO-INVESTMENT FUND The National Housing Co-Investment Fund supports the new and revitalization construction of mixed-income, mixed-tenure, mixed-use affordable housing. Funded projects need support from another level of government to ensure a coordination of investments. National Housing Co-Investment Fund in action: Find out how non-profit organizations in SENIORS HOUSING SURVEY DATA rents. universe counts. services and amenities. The data is produced from CMHC’s Seniors Housing Survey (SHS). The SHS is a census covering all centers in each of the 10 provinces, and includes both private and non-profit seniors residences. Get findings from the latest Seniors Housing Survey on CMHC’s Housing Observer. UPDATED NHA MBS FORMS 2810 — Application for Approval as a Private Mortgage Insurer Under the NHA MBS Program. 2812 — NHA MBS Guarantee Application and Approval. 2814 — Mortgage Pool Servicing Agreement. 2820 — Custodial Agreement. 2822 — Release of Security Interest. 2824 — Schedule of Pooled Mortgages. 2825 — Title Custodian Certifications.

SEED FUNDING

Interest-free loans and non-repayable contributions to help public, private and non-profit groups create or maintain quality affordable

housing in Canada.

HOUSING SUPPLY CHALLENGE The Housing Supply Challenge invites citizens, stakeholders, and experts to propose solutions to the barriers to new housing supply. The challenge will distribute $300 million in funding over 5 years. Successful submissions that address barriers to supply will receive

funding to

LOGIN - CMHC-SCHL.GC.CA Canada Mortgage and Housing Corporation | 700 Montreal Rd. | Ottawa, ON | K1A 0P7. 1 888 GO EMILI / 1 866 358 9999 (emiliCLAIMS) CANADA LAUNCHES $2 MILLION FUNDING INITIATIVE TO Canada launches $2 million funding initiative to demonstrate Community Land Trusts (CLTs) and Land Assembly Solutions for Affordable Housing. RAPID HOUSING INITIATIVE (RHI) The Government of Canada, through CMHC, has launched the Rapid Housing Initiative (RHI). A $1 billion program to help address urgent housing needs of vulnerable Canadians, especially in the context of COVID-19, through the rapid construction of affordable housing. The initiative provides capital contributions (upon signing a funding agreement FIRST-TIME HOME BUYER INCENTIVE The First-Time Home Buyer Incentive helps qualified first-time homebuyers reduce their monthly mortgage payments without adding to their financial burdens.. The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada. It offers: 5% or 10% for a first-time buyer’s purchase of a newly constructed home MORTGAGE LOAN INSURANCE AND PREMIUMS The following table provides you with a general idea of the premiums charged by CMHC. The exact premium will be calculated when you apply for a mortgage and provincial sales tax may apply. Loan–to-Value. Premium on Total Loan**. Standard Purchase Premium. Up to and including 65%. 0.60%. Up to and including 75%. 1.70%. UPDATED NHA MBS FORMS 2810 — Application for Approval as a Private Mortgage Insurer Under the NHA MBS Program. 2812 — NHA MBS Guarantee Application and Approval. 2814 — Mortgage Pool Servicing Agreement. 2820 — Custodial Agreement. 2822 — Release of Security Interest. 2824 — Schedule of Pooled Mortgages. 2825 — Title Custodian Certifications. CORE HOUSING NEED DATA Persons with disabilities aged 35 to 44 had the highest incidence of living in core housing need housing need ( 27% ). Followed by persons with disabilities aged 15 to 24 (19%). Compared to persons without disabilities in the same age groups, the figures were 10% and 12%, respectively. Find the most current research and learn more about how CANADA PROVIDES MORE RENTAL HOUSING FOR FAMILIES IN Quick facts: The vacancy rate in the City of Peterborough is at 2.6% (October 2020). Through the RCFi, the Government of Canada is encouraging the construction of more than 71,000 new rental housing

units.

CMHC IMPROVEMENT

CMHC Improvement offers a choice of flexible advancing options, making it easy to access funds for immediate improvements when purchasing a home. Single advances: improvement costs less than or equal to 10% of the as-improved value. Progress advances: improvement costs greater than 10% of the as-improved value. HOUSING MARKET INFORMATION PORTAL Adapted from Statistics Canada Postal Code OM Conversion File (June 2013) which is based on data licensed from Canada Post Corporation. This tool does not validate postal codes OM OM: Postal Code is an official mark of Canada Post.

CMHC SELF-EMPLOYED

Share via Email. Done! Approximately 15% of the Canadian labour force is self-employed and may have difficulty accessing financing to buy a home, since their income sources may vary or be less predictable than those of employed borrowers. CMHC provides enhanced flexibility for satisfying income and employment requirements for all self-employed

Skip to content

Monitor our most recent coronavirus (COVID-19) updates

.

Canada Mortgage

and Housing Corporation * Sign In or Register

* FRANÇAIS

*

*

× FRANÇAIS

* Home

* National Housing StrategyOpen * What is the strategy?Open * About the initiatives

* How to apply

* Help & Resources

* Priority areas for action

* Glossary

* The First-Time Home Buyer Incentive * Shared Equity Mortgage Provider FundOpen * Preconstruction Loans

Stream 1

* Shared Equity Mortgages (SEM)

Stream 2

* Federal Community Housing Initiative * Federal Lands Initiative * A CMHC-SSHRC Joint Initiative: Collaborative Housing Research

Network

* National Housing Co-Investment Fund * Rental Construction Financing * Federal/Provincial/Territorial Housing Agreements * Other funding and financing opportunities * Community-Based Tenant Initiative * Solutions LabsOpen * Social Innovation Labs Resources * Solution Lab Consultant Information * The Collaborative Housing Research Network * NHS Research and Planning Fund * CMHC Housing Research Scholarship Program * Affordable Housing Innovation Fund * The Community Housing Transformation Centre * NHS Demonstrations Initiative * CMHC Housing Research Awards * Housing Supply Challenge * National Housing Conference * NHS Housing Needs Data * College of Reviewers

* BuyingOpen

* Homebuying Step by StepOpen * Decide if Homeownership is Right for You * Check if You are Financially Ready to Own a Home

* Finance Your Home

* Find the Right Home * Make an Offer and Close the Deal * Maintain Your Home and Protect Your Investment * Condominium Buyer's GuideOpen * Chapter 1: Condominium Basics * Chapter 2: Condominium Governance * Chapter 3: The Pros and Cons of Condominium Ownership * Chapter 4: Buying a Condominium * Chapter 5: Checklists, Tips and FAQ's * Tips for Buying a New Condominium * Tips for Buying a Resale Condominium * Checklist for Buying a New Condominium * Checklist for Buying a Resale Condominium * Condominium Purchase and Recurring Costs * Physical Evaluation Checklist (For Resale Units) * Questions to Ask Advisors and Condominium Experts * Frequently Asked Questions

* Glossary

* Provincial and Territorial Fact SheetsOpen * Alberta Fact Sheet * British Columbia Fact Sheet * Manitoba Fact Sheet * New Brunswick Fact Sheet * Newfoundland and Labrador Fact Sheet * Northwest Territories Fact Sheet * Nova Scotia Fact Sheet * Nunavut Fact Sheet * Ontario Fact Sheet * Prince Edward Island Fact Sheet

* Quebec Fact Sheet

* Saskatchewan Fact Sheet

* Yukon Fact Sheet

* Financial Information and CalculatorsOpen

* Mortgage Fraud

* Mortgage Planning Tips * Plan and Manage Your Mortgage * Your Credit Report * Government of Canada Programs to Support Homebuyers

* Your Home Value

* Seniors HousingOpen * Housing options for Seniors * Housing and Finance Tips * Mortgage Financing Options for People 55+ * Preventing Fraud and Financial Abuse

* Newcomers

* Mortgage Loan Insurance for ConsumersOpen * COVID-19: Understanding Mortgage Payment Deferral * What is CMHC Mortgage Loan Insurance? * What are the General Requirements to Qualify for Homeowner Mortgage Loan Insurance? * FAQs — Mortgage Loan Insurance * CMHC Mortgage Loan Insurance Costs

* CMHC Green Home

* CMHC — Home Renovation Financing Options

* RentingOpen

* COVID-19: Eviction Bans and Suspensions to Support Renters * I Want to RentOpen * Things to Consider Before Renting * Types of Housing for Rent in Canada * Finding or Advertising a Rental Property * Visiting the Rental Property * Lease and Rental Agreements

* Signing the Lease

* Credit Checks and Bad Credit * Rental Payments and Deposits * Roommates and Pets

* I Am RentingOpen

* Moving Day

* Landlord/Tenant Responsibilities

* Inspections

* Maintenance & repairs * Complaints & evictions

* Rent Increase

* When you can't pay Rent * Renewing or terminating the lease

* Moving Out

* Developing and RenovatingOpen * Funding OpportunitiesOpen * First Nations Development FundingOpen * Direct Lending Program for First Nation Communities * Funding Opportunities Tool for Indigenous Housing * Insured Loans for On-Reserve First Nation Housing * On-Reserve Non Profit Housing Program (Section 95) * Proposal Development Funding (PDF) for First Nation Communities * On-Reserve Renovation Programs Open * Emergency Repair Program (ERP) * Home Adaptations for Seniors' Independence (HASI) * Residential Rehabilitation Assistance Program (RRAP) – Regular * Shelter Enhancement Program (SEP)

* Seed Funding

* Preservation Funding for Community Housing

* Testimonials

* Develop New Affordable HousingOpen * Manufactured Housing: Affordable Quality Homes * Programs and InformationOpen * About Affordable Housing in Canada * Affordable Housing in Canada's North * Affordable Housing Programs Across Canada * Reno/Retro 2016: Funding for Existing Social Housing * Housing Action Plans: A Guide for Municipalities * Development Checklist for Affordable Housing * Housing Development Resources * First Nation HousingOpen * Housing Internship Initiative for First Nation and Inuit Youth

(HIIFNIY)

* Our Work With First Nation Communities

* Keeper of My Home

* Developing Sustainable HousingOpen * Maintenance and Resource Efficiency for Buildings * Webcast: Advancing Sustainable and Affordable Housing in Canada * Energy and Water Savings Case Studies * Accessible and Adaptable HousingOpen * Universal Design for New Housing Units

* Secondary Suites

* Accessible Housing by Design * Aging in PlaceOpen * Aging in Place Success Stories * Housing a Senior Population: The Economic and Social Benefits * Hiring a Contractor * Universal Design and Adaptable Housing Models * Provincial/Territorial AgreementsOpen * Bilateral IAH Agreements and Public Reporting * National IAH Funding Table * Investment in Affordable Housing (IAH)

* External Links

* Managing and MaintainingOpen * Managing Affordable HousingOpen * Connect with a Housing Solutions Specialist – Multi-Unit * Affordable Housing Project Profiles * Housing Management HubOpen * Contractors and Suppliers * Evictions and Expulsions * Capital Replacement Planning * Governance for Housing Organizations * Steps for Managing Vacancies * Welcome new residents * Policy Information * Why are policies important * Policy Enforcement * Policies Your Housing Organization Needs * Developing Effective Policies * Tendering Contracts * Manage First Nation PropertiesOpen * First Nation Housing Policies Development GuideOpen * Decide if You Need a Written Policy * Research the Housing Policy * Write and Review the Housing Policy * Develop the Housing Policy Implementation Plan * Get Approval for the Housing Policy * Implement and Monitor the Housing Policy * Revise or Cancel the Policy as Required

* Tenant Records

* Building Code Compliance for First Nation Housing

* FinancesOpen

* Differences Between the On-Reserve Non-Profit Housing Program Pre-1997 and Post-1996 * Understanding Operating Agreement Terms * Maintenance SolutionsOpen * How to Maintain a Heat Recovery Ventilator * Maintenance Planning Guide for First Nation Communities

* Mould in Housing

* Information for Occupants * Information for Housing Managers * Information for Builders and Renovators * Flood Cleanup and Mould Prevention * Mould Cleanup at a Glance: Infographic * Mould in Housing at Glance * Role of a First Nation Housing Manager * Maintenance Funding and InformationOpen * Governance and Finance Information Series * Loans Administration and Direct Lending * Off-Reserve Aboriginal Social Housing * Prepayment Flexibility for Co-operatives and Non-Profits * Renovation Programs for On-Reserve Housing * Tendering Contracts Information Series * Co-operative Housing Guide * Data and ResearchOpen * News Releases and Reports Calendar * Housing in Canada Online (HiCO) * Publications and Reports * Housing Market Information Portal

* CMHC Library

* Data TablesOpen

* Household Characteristics * Housing Market Data * Mortgage and Debt Data * Rental Market Data * Core Housing Need * CMHC Licence Agreement for the Use of Data * Consumer SurveysOpen * 2019 Mortgage Consumer Survey Results * 2018 Mortgage Consumer Survey ResultsOpen * Homebuyers insights

* Renewers insights

* Refinancers insights * Financial Literacy

* Affordability

* Home financing choices

* MCS blog

* Survey Methods

* Finance and InvestingOpen * Mortgage Loan InsuranceOpen * Mortgage Loan Insurance Homeownership ProgramsOpen * CMHC Mortgage Loan Insurance Costs * Rental Housing Solutions * Contact Mortgage Loan Insurance * Homebuying CalculatorsOpen * Mortgage Calculator * Affordability Calculator * Debt Service Calculator

* The ResourceOpen

* Home Buying Step by Step * Default, Claims and Properties for Sale

* Mortgage Fraud

* Underwriting Centre * Consumer Survey Results * NHA Approved Lenders * Calculating GDS / TDS

* emiliOpen

* emiliTRACKER

* Recent Announcements on Mortgage Loan Insurance

* Client e-Update

* Multi-Unit e-Update * Regional CMHC Industry Sessions * Canada Mortgage Bonds * Canadian Registered Covered BondsOpen * How to Become a Registered Issuer * NHA Mortgage Backed Securities * CMHC E-NewslettersOpen * Affordable Housing E-newsletterOpen * Affordable Housing E-newsletter Subscription * First Nation E-newsletterOpen * First Nation E-newsletter Subscription * Housing Research E-newsletterOpen * Housing Research E-newsletter Subscription * Client e-UpdateOpen * Client e-Update Subscription * Multi-Unit e-UpdateOpen * Multi Unit eUpdate - Subscription

* CMHC Library

* Careers

* About CMHCOpen

* CMHC’s Story

* Management and GovernanceOpen * Board of Directors and Committees * Our Management Committee * Pension GovernanceOpen

* Pension Overview

* Key Roles and Responsibilities

* Annual Reports

* Corporate ReportingOpen * CMHC Annual Report * Program Evaluation * Quarterly Financial Reports * Joint Auditors Special Examination Report to CMHC Board 2018 * Summary of the Corporate Plan

* TransparencyOpen

* Access to Information and Privacy Protection * Briefing Materials

* Procurement

* CETA

* Travel, hospitality and conference expenditures * Annual travel, hospitality and conference expenditures

* Contact UsOpen

* CMHC DepartmentsOpen * Connect with a Housing Solutions Specialist – Multi-Unit * Contact Mortgage Loan Insurance

* Speakers Bureau

* Careers

* Housing Observer

* Media NewsroomOpen * Coronavirus (COVID-19) Update

* Media Relations

Search

COVID-19: WE’RE ALL IN THIS TOGETHER That’s why CMHC has emergency measures in place to ultimately help homeowners and renters in Canada. See what we’re doing WHAT CAN WE HELP YOU WITH?

BUYING

Tools and information to help you buy a house or condominium in

Canada.

MANAGING AND MAINTAINING Tools and funding for housing management and sustainable

maintenance.

RENTAL HOUSING

Rental rules and processes for building owners, landlords and tenants.

DATA AND RESEARCH

The latest trends, research, data and insights on housing in Canada. DEVELOPING AND RENOVATING Resources and funding for new builds, conversions and renovations. FINANCE AND INVESTING Mortgage insurance, securities, bonds and more for professionals. COMMON TASKS FOR BUYINGDATA AND RESEARCHDEVELOPING AND RENOVATINGFINANCE AND INVESTINGMANAGING AND MAINTAININGRENTAL

HOUSINGBUYING

BUYING

* Homebuying Step by Step * Mortgage Consumer Survey * Mortgage Payment Calculator * Research, Market and Housing Data

DATA AND RESEARCH

* Data Tables

* Housing Market Information Portal * Housing Research eNewsletter * Our Housing Library DEVELOPING AND RENOVATING * Affordable Housing Funding Opportunities * First Nation Development Funding * Affordable Housing Webinar * Research, Market and Housing Data FINANCE AND INVESTING * Mortgage Loan Insurance * Mortgage-Backed Securities * Canada Mortgage Bonds * Canadian Registered Covered Bonds MANAGING AND MAINTAINING * Guide to Co-op Housing * Free Capital Replacement Planning Tools * First Nations Housing Toolkit * Research, Market and Housing Data

RENTAL HOUSING

* Rent or Buy Calculator * Lease and Rental Agreements * Funding for Rental Housing * Research, Market and Housing Data

HOUSING OBSERVER

March 30, 2020

CANADA’S 2019 RENTAL MARKET REPORT ON AFFORDABILITY Why barriers to first-time homeownership are helping drive rental demand in Vancouver and Toronto.

March 24, 2020

APPLY FOR HOUSING RESEARCH FUNDING FOR UP TO $20,000 Learn about our Housing Research Awards and apply for 2020.

March 10, 2020

10 KEY TAKEAWAYS FROM THE MARCHÉ DE L’HABITATION CONFERENCE What you need to know about the Greater Montréal housing market from the 2019 conference.

March 9, 2020

FEBRUARY HOUSING STARTS TREND MOVES DOWN

Learn more.

March 6, 2020

CANADA RENTAL VACANCY RATES ARE DOWN WHILE RENT CONTINUES TO INCREASE Survey results are in for Canada’s 2019 Secondary Rental Condo Market, check them out.

February 28, 2020

4 WAYS MORTGAGE PROFESSIONALS CAN BEST SERVE CLIENTS IN 2020 To prepare for 2020, find out what homebuyers were the most concerned

about in 2019.

February 20, 2020

EVIDENCE OF OVERVALUATION REMAINS MODERATE Find out which markets eased from moderate to low degree of

vulnerability.

February 10, 2020

JANUARY HOUSING STARTS TREND UNCHANGED

Learn more.

February 10, 2020

AVERAGE RENT IN CANADA INCREASES Rental Market Survey finds that the average cost of renting across Canada is increasing.

February 7, 2020

MORTGAGE MARKET GROWING SLOWLY, SHOWING GOOD PERFORMANCE Get the latest Residential Mortgage Industry Report Quarterly

Dashboard.

January 30, 2020

ROW HOUSES: A SUITABLE RENTAL OPTION FOR LARGER HOUSEHOLDS See how purpose-built rental row houses stack up against other housing

options.

January 28, 2020

CANADA’S HOUSING MARKET: TOP 5 LESSONS LEARNED IN 2019 A look at the Mortgage Consumer Survey and Housing Market Outlook to prepare you for 2020.

January 24, 2020

CANADA’S RENTAL VACANCY RATE DECLINES Findings from our Rental Market Survey outline a need for rental

housing supply.

January 21, 2020

CMHC INTRODUCES A MEASURE OF HOUSING HARDSHIP New metric provides new information on housing affordability.

January 15, 2020

NATIONAL VACANCY RATE DECLINED FOR THE THIRD YEAR IN A ROW CMHC’s 2019 Rental Market Reports examine the latest trends on Canada’s rental housing market.

January 13, 2020

CANADA’S NEW SURVEY DELIVERS INSIGHTS ON HOUSING WAITLISTS

Learn more.

SHOW MORE

BY TOPIC

* National Housing Strategy

* Buying

* Rental Housing

* Developing and Renovating * Managing and Maintaining

* Data and Research

* Finance and Investing

ABOUT US

* CMHC's Story

* Management and Governance * Corporate Reporting

* Contact Us

* Careers

MORE

* CMHC e-Newsletters

* CMHC Library

* Housing Observer Online

* Media Newsroom

*

*

*

*

*

Privacy Policy    |    Terms and Conditions    |

Transparency

Canada Mortgage and Housing Corporation (CMHC) ©2020