High Ratio Mortgage

Welcome home to a Tandia Mortgage with a low down payment.

A High Ratio Mortgage is available for members who have less than a 20% down payment, and as low as 5%.

  • You can qualify with as low as a 5% down payment, reducing your initial cash outlay 
  • The down payment may come from various traditional and non-traditional sources
  • The same features as an Advantage Mortgage or a Low Rate Mortgage but with an insurance requirement (see terms and conditions below)

This mortgage is right for you if:

  • You have less than 20% for a down payment
  • You wish to borrow against the equity in your home (to a maximum loan-to-value ratio of 80%)

Funding your down payment

It can be a challenge to come up with the down payment you need to purchase a home. The CMHC Purchase program allows you to use various traditional and non-traditional sources for your minimum 5% down payment, including: 

  • A personal loan
  • A line-of-credit or credit card advance 
  • A gift from someone

Terms and conditions Expand/Collapse

  • Requires a minimum 5% down payment
  • Applicants must purchase default insurance through CMHC
  • Maximum mortgage amortization is 25 years
  • Legal, appraisal and processing fees apply


There is no interest rate premium for a High Ratio Mortgage, and no guessing or negotiating required. We post 'preferred' member rates and can provide comparative ‘posted’ market rate information of the nation’s top five banks to demonstrate our competitiveness. ‘Preferred’ rates are also automatically offered at renewal time.

It's easy to apply

You can start your application online, call our Member Solutions Centre at 1.800.598.2891 or visit your branch ( an appointment is recommended).

Mortgage rates are quoted as an Annual Percentage Rate (APR) and are calculated half yearly, not in advance.  Legal and appraisal fees and insurance would increase the APR. 


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Low Rate Mortgage Specials
5 Year Closed High Ratio Fixed Rate Mortgage 2.59%
5 Year Closed Fixed Rate Mortgage 2.89%