Canada Mortgage and Housing Corporation
Often referred to as "CMHC", the Canadian Mortgagee and Housing Corporation provides mortgage insurance to home buyers in Canada. If you buy a home with less than a 20% down payment, you are required to have mortgage loan insurance. This protects the lender in case you cannot make your payments.
Rate Hub is an online rate comparison platform designed to help you make informed financial decisions. On their site you can search and compare Mortgage rates from competing lenders.
Land Transfer Tax
Throughout most of Canada, home buyers are required to pay Land Transfer Tax. In Toronto, home buyers are responsible for paying both Land Transfer Tax AND Municipal Land Transfer Tax (charged at the same rate). LTT and MLTT are calculated incrementally as percentages of your homes purchase price.
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