Is "CMHC Insurance, Explained" really free?

Yes. CMHC Insurance, Explained is a free 14-page guide. Enter your email and we'll send the PDF right away — no cost and no obligation.

What does "CMHC Insurance, Explained" cover?

It runs 14 pages across 6 sections — including Why default insurance exists; Premium tiers by loan-to-value; CMHC vs. Sagen vs. Canada Guaranty, and more.

Is this guide specific to Canada?

Yes. It's written by the FSRA-licensed team at Mortgage Squad Advisors (Brokerage #13737) for the Canadian market, with rules, programs, and rate context current for 2026.

Do I have to be a Mortgage Squad Advisors client to get it?

No. The guide is free to anyone — whether you're ready to apply or just researching your options.

How do I get advice for my own situation?

Ask Maya, our AI advisor, free 24/7 in 50+ languages, or book a no-obligation call with a senior broker. The guide explains the concepts; we tailor them to your file.

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CMHC Insurance, Explained

14 pages · PDF · Free, no signup

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Free guide

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

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

Frequently asked questions

Is "CMHC Insurance, Explained" really free?: Yes. CMHC Insurance, Explained is a free 14-page guide. Enter your email and we'll send the PDF right away — no cost and no obligation.
What does "CMHC Insurance, Explained" cover?: It runs 14 pages across 6 sections — including Why default insurance exists; Premium tiers by loan-to-value; CMHC vs. Sagen vs. Canada Guaranty, and more.
Is this guide specific to Canada?: Yes. It's written by the FSRA-licensed team at Mortgage Squad Advisors (Brokerage #13737) for the Canadian market, with rules, programs, and rate context current for 2026.
Do I have to be a Mortgage Squad Advisors client to get it?: No. The guide is free to anyone — whether you're ready to apply or just researching your options.
How do I get advice for my own situation?: Ask Maya, our AI advisor, free 24/7 in 50+ languages, or book a no-obligation call with a senior broker. The guide explains the concepts; we tailor them to your file.

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