Calculateur de prime SCHL
Modélisez les primes d'assurance SCHL sur la grille de RPV du 14 juillet 2025 — y compris les surprimes d'amortissement qui s'appliquent maintenant à MLI Select, plus les rabais de palier à 50, 70 et 100 points. Téléversez une feuille de modalités si vous en avez une.
Calculateur de prime SCHL
Surcharge applies beyond 25 years
LTV band ≤85% → purchase/refi base 5.35%
| LTV band | Purchase / refi | Construction |
|---|---|---|
| ≤65% | 2.60% | 3.25% |
| ≤70% | 2.85% | 3.75% |
| ≤75% | 3.35% | 4.25% |
| ≤80% | 4.35% | 5.00% |
| ≤85% | 5.35% | 6.00% |
| ≤90% | 5.90% | 6.75% |
| >90% | 6.15% | 7.00% |
LendCity™ Mortgages
Ready to take the next step?
This CMHC Premium Calculator is just the beginning. Our team of specialists is ready to help you structure your next deal for maximum growth and cash flow.
Contact Information
+1 (226) 783-1640
scott@lendcity.ca
4769 Wyandotte St E
Windsor, ON N8Y 1H8
lendcity.ca
Points take 10, 20, or 30% off
Surcharges stack first. MLI Select then discounts that subtotal at 50, 70, and 100 points. Construction uses a higher base than purchase/refinance.
Qualifies for Select
Enhanced tier
Maximum discount
Vous avez du capital à faire travailler ?
LendCity™ met en relation les fournisseurs de capital avec des hypothèques privées sécurisées et des partenariats de développement — distinct de l'emprunt pour votre prochain achat.
How to use this premium calculator
Premium is a function of loan, LTV, amortization, program, Select tier, transaction type, and a few surcharges. Size proceeds first, then price the insurance.
-
Size the loan
Use the MLI max-loan calculator (upload a rent roll if you have one) so LTV and points are real.
-
Pick program and tier
Standard has no discount. Select discounts 10 / 20 / 30% at 50 / 70 / 100 points after surcharges.
-
Add surcharges
Amortization beyond 25 years, non-residential share, second mortgage, and EGI-not-met (purchase/refi only).
What changed in the premium grid
CMHC replaced flat MLI Select pricing with an LTV-tiered base shared with MLI Standard. Select still earns a tier discount — but it is a discount off the new stack, not a return to the old ~2.55% world.
-
Base + surcharges first
CMHC adds the LTV-band base and every surcharge, then applies the Select discount to that subtotal.
-
Then the Select discount
10% at 50 points, 20% at 70, 30% at 100+. No discount on Standard.
Loan, LTV, amort, and points
If any one of those four is wrong, the premium is wrong. Upload a term sheet when you have one instead of guessing LTV.
-
LTV band
The July 2025 base rate steps up as leverage rises. Construction uses a higher column than purchase/refi. · Loan / value (or cost)
-
Amortization surcharge
+0.25% per 5 years above 25, including Select. · ((amort − 25) / 5) × 0.25%
-
Select discount
Applied after the surcharge stack. · 10% / 20% / 30% at 50 / 70 / 100 pts
-
Non-residential
Pro-rata +1.00% surcharge on the commercial share. · +1.00% × non-res %
How to read a result
Treat the output as an insurance cost to layer onto the max-loan model — not as a payment quote. Capitalizing the premium raises the funded loan and can bump you into the next LTV band if you are tight to a cap.
| Size first | MLI max-loan calculator (NOI, points, program) |
|---|---|
| Price second | This page (loan, LTV, amort, tier, surcharges) |
| Binding number | Lender / CMHC invoice after underwriting |
Do not use 4.5% as a default rate on an assumption file. Assumptions are sized at the in-place note rate on the max-loan model; this page only prices insurance.
Related CMHC tools
next steps
FAQ sur la prime SCHL
Comment fonctionne la grille de primes de juillet 2025 et comment utiliser ce calculateur avec votre modèle de dossier.
Using this calculator
Premium basics
Related CMHC tools
“If anyone is looking for a mortgage broker, I highly recommend Chris Micucci! Chris was an invaluable resource to me as a first time US investor. He was super…”
“Lendcity is the best mortgage broker for real estate investors. I was first referred to Scott Dillingham (president) when I had 5 investment properties and was…”
“This is a review hard to put into words, mainly because LendCity™ (specifically Kristen and Scott) surpassed expectations to the Nth degree. I'd rate them 10…”
“I had a difficult situation for a great investment property, no one in the city could figure it out. Lendcity stepped in and put me on the path to purchase my…”
“Scott and his team at LendCity™ Mortgages have been nothing but helpful and fast at getting me a mortgage loan. They are a knowledgeable group that helped me…”
“Scott and the staff at Lendcity worked hard to provide us investment property financing! When the told us no, we went to Lendcity and received financing at…”