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The payment insurance premium for high ratio mortgages depends on factors like property type and borrower's equity. Online calculators allow buyers to estimate payments, amortization periods and expenses for different mortgage options. The CMHC carries a Mortgage Loan Insurance Calculator to estimate insurance premium costs. Bad Credit Mortgages help borrowers with past credit difficulties buy your house despite the bigger rates. Mortgage brokers have less restrictive qualification requirements than banks so may assist borrowers declined elsewhere. The OSFI mortgage stress test requires all borrowers prove capacity to pay at better qualifying rates. Debt Consolidation Mortgages roll higher-interest debts like bank cards into lower-cost home financing. Switching Private Lenders Mortgage Rates at renewal gets better mortgage terms but incurs discharge and setup costs.