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Canadian mortgage tools · CAD

Insurer Premium

Current public data and calculations from Pragmatic Mortgage. Anonymous access; no account required.

calculator
slug
insurer-premium
title
Insurer Premium
description
CMHC/Sagen/CG premiums, capitalization, PST where applicable.
category
govtax
input Schema
{
  "type": "object",
  "properties": {
    "purchasePrice": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "string",
          "pattern": "^-?\\d+(?:\\.\\d+)?$"
        }
      ]
    },
    "downPayment": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "string",
          "pattern": "^-?\\d+(?:\\.\\d+)?$"
        }
      ]
    },
    "amortizationMonths": {
      "type": "integer",
      "minimum": 60,
      "maximum": 420
    },
    "insurer": {
      "type": "string",
      "enum": [
        "CMHC",
        "SAGEN",
        "CANADA_GUARANTY"
      ],
      "default": "CMHC"
    },
    "province": {
      "type": "string",
      "enum": [
        "BC",
        "AB",
        "SK",
        "MB",
        "ON",
        "QC",
        "NB",
        "NS",
        "PE",
        "NL",
        "YT",
        "NT",
        "NU"
      ]
    },
    "isNewBuild": {
      "type": "boolean",
      "default": false
    },
    "isFirstTimeBuyer": {
      "type": "boolean",
      "default": false
    },
    "premiumTiers": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "maxLtv": {},
          "rate": {}
        },
        "required": [
          "maxLtv",
          "rate"
        ],
        "additionalProperties": false
      }
    }
  },
  "required": [
    "purchasePrice",
    "downPayment",
    "amortizationMonths",
    "province"
  ],
  "additionalProperties": false
}

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