Insured Mortgage vs

Conventional Mortgage



Insured Mortgages

Mortgage applicants will require Insured Mortgages if the down payment is less than 20% or the purchase price, applicant need to exercise a certain program offered by the Insurers or in cases where the lenders require the mortgage to be insured. The primary purpose of Mortgage Insurance is to protect the lenders and banks of any default payments. Mortgage Insurance is also known as Default Insurance. There are three Mortgage Insurance Providers in Canada - Canadian Mortgage Housing Corporation (Federally Owned) ; Genworth Financial Canada and Canada Guaranty. The Mortgage Insurance premiums are the same , however, each insurer has a very slight variance in their underwriting guidelines

Conventional Mortgages


Conventional Mortgages are mortgage contracts that do not require mortgage insurance.  The lending guidelines varies from one lender to the other. 



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Unit 202

10114 156 Street NW

Edmonton, Alberta

T5P 2P9

We Accept Walk Ins