CMHC Mortgage Insurance Calculator Canada

Calculate your CMHC mortgage default insurance premium based on your purchase price, down payment, and amortization period. Updated for 2025 — including the new $1.5M maximum insurable price and 30-year amortization for eligible buyers.

Property Details
$
$

10.0% of purchase price · Min: $35,000

CMHC Insurance Required

LTV Ratio

90.00%

Loan-to-value

Premium Rate

3.10%

Applied to mortgage

Insurance Premium

$16,740

Added to mortgage

Total Insured Mortgage

$556,740

Mortgage + premium

CMHC Premium Rate Table
Down PaymentLTVPremium Rate
5%95%4.00%
10%90%3.10%
15%85%2.80%
20%80%2.40%

Questions about CMHC insurance?

Sudhir Patel can walk you through options to reduce or avoid CMHC, and explain how it factors into your total cost — free consultation.

Ask Sudhir — No Obligation

Frequently Asked Questions