High Ratio Mortgage Insurance

As housing prices continue to be high, securing a significant down payment can be challenging. Many home buyers are turning to high-ratio mortgages. A high ratio mortgage is a mortgage loan higher than 80% of the lending value of the property. Borrowers must purchase default insurance from a third-party agency. 

High Ratio Mortgage

Use this calculator to determine the amount of mortgage insurance you will pay on a high ratio mortgage.

Your insurance premiums will depend on the percentage of the down payment.

High Ratio Mortgage Insurance

Companion Infographic

The high-ratio mortgage infographic illustrates how high-ratio mortgage work and how insurance premiums are determined. This companion infographic works well with the high ratio mortgage calculator to illustrate the concept clearly. 

High Ratio Mortgage Infographic


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