Canada mortgage and housing corporation cmhc guidelines

Get reliable access to mortgage funding and insurance for residential and multi-unit properties. Explore

Discover the latest in housing research

Explore impartial research, data and insights to inform decisions for better housing sector outcomes. Read more

Deliver affordable housing solutions

Find financing for developers, non-profits and governments to build housing in Canada. Apply

Contributing to the Well-Being of Canada's Housing System

CMHC contributes to the well-being of Canada's housing system. We provide housing finance solutions and we provide lenders reliable access to mortgage funding. Our commitment extends to providing crucial research and data to inform decisions for better housing sector outcomes. And, we deliver housing programs for the Government of Canada.

Professionals

Access to CMHC funding, research, knowledge and expertise to help make affordable housing a reality.

Consumers

Explore homebuyer and rental guides, use mortgage calculators, renovation and maintenance tips.

Financing

Contributing to the well-being of the housing system by providing housing finance solutions.

Research

Providing essential, impartial research, data and expertise to inform the housing system.

Funding

Helping the Government of Canada deliver on its commitment to make housing more affordable.

New and Noteworthy

Residential Mortgage Industry Report — Spring 2024

Our analysis reveals that more homeowners are under financial pressure with current interest rate conditions. Savings accumulated during the pandemic have been exhausted. Download

2024 Housing Market Outlook

Explore our housing forecasts for affordability, supply and other key housing issues and find the latest trends in Canada's housing market. Read now

Housing Supply Report — Spring 2024

Get the latest insights into new housing supply in Canada’s major cities and urban areas with our Housing Supply Report. Learn more

2024 Rental Market Report

Explore the challenges faced by Canada's rental market — see the driving factors, population growth impact and competitive markets. Learn more

2023 Northern Housing Report

Our in-depth analysis of housing market conditions in Whitehorse, Yellowknife and Iqaluit reveals unique challenges and trends. Learn more

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I am a Consumer

First-time home buyer incentive

A new program helps to make homeownership more afforable.

Mortgage calculator

Compare rates, payment frequency, amortization and more to find your best mortgage options.

Homebuying step by step

Everything you need to buy a home in Canada.