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CMHC Insurance, Explained
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CMHC Insurance, Explained

Premiums, Sagen & Canada Guaranty, and the PST trap

Mortgage default insurance demystified. The exact premium tiers, how CMHC, Sagen and Canada Guaranty compare, when 'insurable' beats 'insured,' and the provincial PST on premium that catches Ontario buyers at closing.

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Inside the guide

6 sections
  1. 1Why default insurance exists
  2. 2Premium tiers by loan-to-value
  3. 3CMHC vs. Sagen vs. Canada Guaranty
  4. 4Insured vs. insurable vs. conventional
  5. 5PST on premium (ON/QC/SK/MB)
  6. 6Financing the premium vs. paying upfront
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