Savings Calculator
Premium
Calculator
Calculate your CMHC premium discounts and total savings based on tier level
50+ Points
10%
Discount
70+ Points
20%
Discount
100+ Points
30%
Discount
Loan Details
Tier 100
Premium Breakdown
Base Rate:6.15%
Amortization Surcharge:+1.25%
Discount:-30%
Final Rate:5.18%
Savings Analysis
Total Premium Savings
$333K
Tier 100 discount applied
Base Premium
$1110K
7.40%
Final Premium
$777K
5.18%
Savings Visualization
Final Cost
Savings
You Pay: $777KYou Save: $333K
Discount
30%
Tier
100
Estimates only. Base rates follow CMHC's multi-unit premium grid for standard rental housing (effective July 14, 2025); LTV bands above 85% are available under MLI Select only. The amortization surcharge (0.25% per 5 years beyond 25) and the MLI Select discount (10% / 20% / 30% at 50 / 70 / 100 points) are applied as published by CMHC. EGI, non-residential, second-mortgage and other-shelter-model surcharges are not included. CMHC changes these tables periodically — confirm with your lender.