Mortgage - High Ratio
A high-ratio mortgage is a loan for up to 95% of the lending value of a property. The lending value is determined by an appraisal conducted on behalf of the lender. The lending value and the market price are usually different. Buyers must purchase mortgage insurance if they take out a high ratio mortgage. In Canada, high-ratio mortgages are insured by the Canada Mortgage and Housing Corporation (CMHC) on behalf of the federal government. Several commercial companies provide similar financing.
Contact Us
Alberta Real Estate Association 
WestMount Corporate Campus
300, 4954 Richard Road SW
Calgary, AB  T3E 6L1

Office Hours
Monday-Friday 8:30 am – 4:30 pm (MST)

Toll Free:    1-800-661-0231 
In Calgary: 
 1-403-228-6845  
(messages can be left after hours and will be returned the following business day) 
 
Fax:             1-403-228-4360
 
E-mail:
communications@areahub.ca (general inquiries)
governmentrelations@areahub.ca (government relations/advocacy inquiries)
pd@areahub.ca (professional development inquiries)
forms@areahub.ca (forms content inquiries)