A lending institution, such as a bank, authorized by the Government of Canada to make loans under the National Housing Act. Only Approved Lenders can offer CMHC-insured mortgages, ensuring compliance with federal standards. These lenders provide mortgage options that meet specific criteria, offering borrowers access to insured loans with potential benefits like lower down payments and competitive interest rates.

*The information provided is for educational purposes only and should not be considered legal advice. For specific legal concerns or questions related to your mortgage, it is always best to consult with a qualified legal professional.*

Mortgage Education

  • Total Debt Service Ratio (TDS)

    The percentage of gross income allocated for payments of principal, interest, taxes, and heat (P.I.T.H.), along with other debt obligations, [...]

  • Title Insurance

    Title insurance protects property owners and lenders from financial loss due to defects in the title of real property. These [...]

  • Mortgage Relief Options

    Facing financial difficulties can be overwhelming, especially when it comes to managing your mortgage payments. Fortunately, there are several [...]

  • What Are the Different Mortgage Types

    Different Mortgage Types in Canada: A Quick Guide When buying a home in Canada, understanding the various mortgage types available [...]

  • Should You Co-Sign a Mortgage

    To Co-Sign or Not to Co-Sign: A Mortgage Dilemma Considering co-signing a mortgage with a friend or family member can [...]