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(IMPP)');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/insured-mortgage-purchase-program" class=" ">Insured Mortgage Purchase Program (IMPP)</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Securitization');" href="/professionals/project-funding-and-mortgage-financing/securitization" class=" ">Securitization</a> <ul> <li><a onclick="dl_Navigation('menu','NHA Mortgage Backed Securities');" href="/professionals/project-funding-and-mortgage-financing/securitization/nha-mbs" class=" ">NHA Mortgage Backed Securities</a></li> <li><a onclick="dl_Navigation('menu','Canada Mortgage Bonds');" href="/professionals/project-funding-and-mortgage-financing/securitization/canada-mortgage-bonds" class=" ">Canada Mortgage Bonds</a></li> <li><a onclick="dl_Navigation('menu','Canadian registered covered bonds');" href="/professionals/project-funding-and-mortgage-financing/securitization/canadian-registered-covered-bonds" class=" ">Canadian registered covered bonds</a></li> <li><a onclick="dl_Navigation('menu','Blockchain in the housing industry');" href="/professionals/project-funding-and-mortgage-financing/securitization/blockchain-housing-industry" class=" ">Blockchain in the housing industry </a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Housing markets, data and research');" href="/professionals/housing-markets-data-and-research" class="current-page-ancestor ">Housing markets, data and research</a> <ul> <li><a onclick="dl_Navigation('menu','CMHC Reports Calendar');" href="/professionals/housing-markets-data-and-research/news-releases-reports-calendar" class=" ">CMHC Reports Calendar</a></li> <li> <a onclick="dl_Navigation('menu','Housing markets');" href="/professionals/housing-markets-data-and-research/market-reports" class=" ">Housing markets</a> <ul> <li><a onclick="dl_Navigation('menu','Housing market reports');" href="/professionals/housing-markets-data-and-research/market-reports/housing-market" class=" ">Housing market reports</a></li> <li><a onclick="dl_Navigation('menu','Mortgage market and consumer reports');" href="/professionals/housing-markets-data-and-research/market-reports/mortgage-market" class=" ">Mortgage market and consumer reports</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Housing research');" href="/professionals/housing-markets-data-and-research/housing-research" class=" ">Housing research</a> <ul> <li> <a onclick="dl_Navigation('menu','Consultations');" href="/professionals/housing-markets-data-and-research/housing-research/consultations" class=" ">Consultations</a> <ul> <li> <a onclick="dl_Navigation('menu','Prohibition on the Purchase of Residential Property by Non-Canadians Act');" href="/professionals/housing-markets-data-and-research/housing-research/consultations/prohibition-purchase-residential-property-non-canadians-act" class=" ">Prohibition on the Purchase of Residential Property by Non-Canadians Act</a> <ul> <li><a onclick="dl_Navigation('menu','Prohibition on the Purchase of Residential Property by Non-Canadians Act – Frequently asked questions');" href="/professionals/housing-markets-data-and-research/housing-research/consultations/prohibition-purchase-residential-property-non-canadians-act/faq" class=" ">Prohibition on the Purchase of Residential Property by Non-Canadians Act – Frequently asked questions</a></li> </ul> </li> </ul> </li> <li><a onclick="dl_Navigation('menu','Housing research reports');" href="/professionals/housing-markets-data-and-research/housing-research/research-reports" class=" ">Housing research reports</a></li> <li> <a onclick="dl_Navigation('menu','Housing surveys');" href="/professionals/housing-markets-data-and-research/housing-research/surveys" class=" ">Housing surveys</a> <ul> <li><a onclick="dl_Navigation('menu','Mortgage consumer surveys');" href="/professionals/housing-markets-data-and-research/housing-research/surveys/mortgage-consumer-surveys" class=" ">Mortgage consumer surveys</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','Research awards and scholarships');" href="/professionals/housing-markets-data-and-research/housing-research/awards-and-scholarships" class=" ">Research awards and scholarships</a></li> <li><a onclick="dl_Navigation('menu','Understanding core housing need');" href="/professionals/housing-markets-data-and-research/housing-research/core-housing-need" class=" ">Understanding core housing need</a></li> <li><a onclick="dl_Navigation('menu','Collaborative Housing Research Network');" href="/professionals/housing-markets-data-and-research/housing-research/collaborative-housing-research-network" class=" ">Collaborative Housing Research Network</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Housing data');" href="/professionals/housing-markets-data-and-research/housing-data" class="current-page-ancestor ">Housing data</a> <ul> <li> <a onclick="dl_Navigation('menu','Data tables');" href="/professionals/housing-markets-data-and-research/housing-data/data-tables" class="current-page-ancestor ">Data tables</a> <ul> <li><a onclick="dl_Navigation('menu','Household characteristics data');" href="/professionals/housing-markets-data-and-research/housing-data/data-tables/household-characteristics" class="current-page-ancestor ">Household characteristics data</a></li> <li><a onclick="dl_Navigation('menu','Housing market data');" href="/professionals/housing-markets-data-and-research/housing-data/data-tables/housing-market-data" class=" ">Housing market data</a></li> <li><a onclick="dl_Navigation('menu','Mortgage and debt data');" href="/professionals/housing-markets-data-and-research/housing-data/data-tables/mortgage-and-debt" class=" ">Mortgage and debt data</a></li> <li><a onclick="dl_Navigation('menu','Rental market data');" href="/professionals/housing-markets-data-and-research/housing-data/data-tables/rental-market" class=" ">Rental market data</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','Housing market information portal');" href="https://www.cmhc-schl.gc.ca/hmiportal" class=" ">Housing market information portal</a></li> <li><a onclick="dl_Navigation('menu','Residential Mortgage Industry Data Dashboard');" href="/professionals/housing-markets-data-and-research/housing-data/residential-mortgage-industry-data-dashboard" class=" ">Residential Mortgage Industry Data Dashboard</a></li> <li><a onclick="dl_Navigation('menu','CMHC licence agreement for the use of data');" href="/professionals/housing-markets-data-and-research/housing-data/cmhc-licence-agreement-use-of-data" class=" ">CMHC licence agreement for the use of data</a></li> <li><a onclick="dl_Navigation('menu','Housing Knowledge Centre');" href="/library?rdlink=1" class=" ">Housing Knowledge Centre</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Industry innovation and leadership');" href="/professionals/industry-innovation-and-leadership" class=" ">Industry innovation and leadership</a> <ul> <li><a onclick="dl_Navigation('menu','Housing innovation');" href="/professionals/industry-innovation-and-leadership/housing-innovation" class=" ">Housing innovation</a></li> <li> <a onclick="dl_Navigation('menu','Our Partners');" href="/professionals/industry-innovation-and-leadership/our-partners" class=" ">Our Partners</a> <ul> <li><a onclick="dl_Navigation('menu','Partnerships');" href="/professionals/industry-innovation-and-leadership/our-partners/partnerships" class=" ">Partnerships</a></li> <li> <a onclick="dl_Navigation('menu','Federal, Provincial and Territorial Forum on Housing');" href="/professionals/industry-innovation-and-leadership/our-partners/partnering-provinces-territories" class=" ">Federal, Provincial and Territorial Forum on Housing</a> <ul> <li><a onclick="dl_Navigation('menu','Resources for Members of the Federal, Provincial and Territorial Forum on Housing');" href="/professionals/industry-innovation-and-leadership/our-partners/partnering-provinces-territories/protected-content" class=" ">Resources for Members of the Federal, Provincial and Territorial Forum on Housing</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Industry collaboration');" href="/professionals/industry-innovation-and-leadership/industry-collaboration" class=" ">Industry collaboration</a> <ul> <li><a onclick="dl_Navigation('menu','Expert Community on Housing (ECoH)');" href="/professionals/industry-innovation-and-leadership/industry-collaboration/expert-community-on-housing" class=" ">Expert Community on Housing (ECoH)</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Industry expertise');" href="/professionals/industry-innovation-and-leadership/industry-expertise" class=" ">Industry expertise</a> <ul> <li><a onclick="dl_Navigation('menu','Affordable housing');" href="/professionals/industry-innovation-and-leadership/industry-expertise/affordable-housing" class=" ">Affordable housing</a></li> <li><a onclick="dl_Navigation('menu','Indigenous housing');" href="/professionals/industry-innovation-and-leadership/industry-expertise/indigenous-housing" class=" ">Indigenous housing </a></li> <li><a onclick="dl_Navigation('menu','Senior housing');" href="/professionals/industry-innovation-and-leadership/industry-expertise/senior-housing" class=" ">Senior housing</a></li> <li><a onclick="dl_Navigation('menu','Accessible and adaptable housing');" href="/professionals/industry-innovation-and-leadership/industry-expertise/accessible-adaptable-housing" class=" ">Accessible and adaptable housing</a></li> <li><a onclick="dl_Navigation('menu','Developing sustainable housing');" href="/professionals/industry-innovation-and-leadership/industry-expertise/sustainable-housing" class=" ">Developing sustainable housing</a></li> <li><a onclick="dl_Navigation('menu','Resources for mortgage professionals');" href="/professionals/industry-innovation-and-leadership/industry-expertise/resources-for-mortgage-professionals" class=" ">Resources for mortgage professionals</a></li> <li><a onclick="dl_Navigation('menu','CMHC newsletters');" href="/cmhc-enewsletters?rdlink=1" class=" ">CMHC newsletters</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Events and speakers');" href="/professionals/events-and-speakers" class=" ">Events and speakers</a> <ul> <li> <a onclick="dl_Navigation('menu','Conferences');" href="/professionals/events-and-speakers/conferences" class=" ">Conferences</a> <ul> <li> <a onclick="dl_Navigation('menu','2024 National Housing Conference');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024" class=" ">2024 National Housing Conference</a> <ul> <li><a onclick="dl_Navigation('menu','About');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024/about" class=" ">About</a></li> <li><a onclick="dl_Navigation('menu','National Housing Conference - Agenda');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024/agenda" class=" ">National Housing Conference - Agenda</a></li> <li><a onclick="dl_Navigation('menu','Location');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024/location" class=" ">Location</a></li> <li><a onclick="dl_Navigation('menu','InnoZone');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024/innozone" class=" ">InnoZone</a></li> <li><a onclick="dl_Navigation('menu','Details for participants');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024/participants" class=" ">Details for participants</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Speakers’ bureau');" href="/professionals/events-and-speakers/speakers-bureau" class=" ">Speakers’ bureau</a> <ul> <li><a onclick="dl_Navigation('menu','Kevin Hughes');" href="/professionals/events-and-speakers/speakers-bureau/kevin-hughes-profile" class=" ">Kevin Hughes</a></li> </ul> </li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Consumers');" href="/consumers" class=" ">Consumers</a> <ul> <li> <a onclick="dl_Navigation('menu','Buying a home');" href="/consumers/home-buying" class=" ">Buying a home</a> <ul> <li> <a onclick="dl_Navigation('menu','Homebuying calculators');" href="/consumers/home-buying/calculators" class=" ">Homebuying calculators</a> <ul> <li><a onclick="dl_Navigation('menu','Mortgage calculator');" href="/consumers/home-buying/calculators/mortgage-calculator" class=" ">Mortgage calculator</a></li> <li><a onclick="dl_Navigation('menu','Affordability calculator');" href="/consumers/home-buying/calculators/affordability-calculator" class=" ">Affordability calculator</a></li> <li><a onclick="dl_Navigation('menu','Debt service calculator');" href="/consumers/home-buying/calculators/debt-service-calculator" class=" ">Debt service calculator</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Buying guides');" href="/consumers/home-buying/buying-guides" class=" ">Buying guides</a> <ul> <li><a onclick="dl_Navigation('menu','Homebuying step by step');" href="/consumers/home-buying/buying-guides/home-buying" class=" ">Homebuying step by step</a></li> <li><a onclick="dl_Navigation('menu','CMHC's condominium buyer's guide');" href="/consumers/home-buying/buying-guides/condominium" class=" ">CMHC's condominium buyer's guide</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Mortgage loan insurance for consumers');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers" class=" ">Mortgage loan insurance for consumers</a> <ul> <li><a onclick="dl_Navigation('menu','What is CMHC mortgage loan insurance?');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/what-is-mortgage-loan-insurance" class=" ">What is CMHC mortgage loan insurance?</a></li> <li><a onclick="dl_Navigation('menu','Do I qualify for mortgage loan insurance?');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/what-are-the-general-requirements-to-qualify-for-homeowner-mortgage-loan-insurance" class=" ">Do I qualify for mortgage loan insurance?</a></li> <li><a onclick="dl_Navigation('menu','CMHC mortgage loan insurance costs');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-mortgage-loan-insurance-cost" class=" ">CMHC mortgage loan insurance costs</a></li> <li> <a onclick="dl_Navigation('menu','CMHC's Eco Products');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products" class=" ">CMHC's Eco Products</a> <ul> <li><a onclick="dl_Navigation('menu','CMHC’s Eco Improvement');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products/cmhc-eco-improvement" class=" ">CMHC’s Eco Improvement</a></li> <li><a onclick="dl_Navigation('menu','CMHC Eco Plus');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products/cmhc-eco-plus" class=" ">CMHC Eco Plus</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','CMHC — home renovation financing options');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-home-renovation-financing-options" class=" ">CMHC — home renovation financing options</a></li> <li><a onclick="dl_Navigation('menu','FAQs — mortgage loan insurance');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/faqs-mortgage-loan-insurance" class=" "> FAQs — mortgage loan insurance</a></li> <li><a onclick="dl_Navigation('menu','COVID-19: understanding mortgage payment deferral');" href="/professionals/industry-innovation-and-leadership/industry-expertise/resources-for-mortgage-professionals/covid19-understanding-mortgage-payment-deferral?rdlink=1" class=" ">COVID-19: understanding mortgage payment deferral</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','Incentives for homebuyers');" href="/consumers/home-buying/government-of-canada-programs-to-support-homebuyers" class=" ">Incentives for homebuyers</a></li> <li><a onclick="dl_Navigation('menu','Newcomers');" href="/consumers/home-buying/newcomers" class=" ">Newcomers</a></li> <li><a onclick="dl_Navigation('menu','The First-Time Home Buyer Incentive');" href="/consumers/home-buying/first-time-home-buyer-incentive" class=" ">The First-Time Home Buyer Incentive</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Owning a home');" href="/consumers/owning-a-home" class=" ">Owning a home</a> <ul> <li> <a onclick="dl_Navigation('menu','Manage your mortgage');" href="/consumers/owning-a-home/mortgage-management" class=" ">Manage your mortgage </a> <ul> <li><a onclick="dl_Navigation('menu','Mortgage fraud');" href="/consumers/owning-a-home/mortgage-management/mortgage-fraud" class=" ">Mortgage fraud</a></li> <li><a onclick="dl_Navigation('menu','Mortgage planning tips');" href="/consumers/owning-a-home/mortgage-management/mortgage-planning-tips-cmhc" class=" ">Mortgage planning tips</a></li> <li><a onclick="dl_Navigation('menu','Plan and manage your mortgage');" href="/consumers/owning-a-home/mortgage-management/plan-and-manage-your-mortgage" class=" ">Plan and manage your mortgage</a></li> <li><a onclick="dl_Navigation('menu','Your credit report');" href="/consumers/owning-a-home/mortgage-management/your-credit-report" class=" ">Your credit report</a></li> <li><a onclick="dl_Navigation('menu','Your home value');" href="/consumers/owning-a-home/mortgage-management/your-home-value" class=" ">Your home value</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Aging in place');" href="/consumers/owning-a-home/aging-in-place" class=" ">Aging in place</a> <ul> <li><a onclick="dl_Navigation('menu','Housing options for Seniors');" href="/consumers/owning-a-home/aging-in-place/housing-options-for-seniors" class=" ">Housing options for Seniors</a></li> <li><a onclick="dl_Navigation('menu','Housing and finance tips');" href="/consumers/owning-a-home/aging-in-place/housing-and-finance-tips" class=" ">Housing and finance tips</a></li> <li><a onclick="dl_Navigation('menu','Mortgage financing options for people 55+');" href="/consumers/owning-a-home/aging-in-place/mortgage-financing-options-for-people-55-and-above" class=" ">Mortgage financing options for people 55+</a></li> <li><a onclick="dl_Navigation('menu','Preventing fraud and financial abuse');" href="/consumers/owning-a-home/aging-in-place/preventing-fraud-and-financial-abuse" class=" ">Preventing fraud and financial abuse</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Renting a home');" href="/consumers/renting-a-home" class=" ">Renting a home </a> <ul> <li> <a onclick="dl_Navigation('menu','I want to rent');" href="/consumers/renting-a-home/i-want-to-rent" class=" ">I want to rent</a> <ul> <li><a onclick="dl_Navigation('menu','Things to consider before renting');" href="/consumers/renting-a-home/i-want-to-rent/things-to-consider-before-renting" class=" ">Things to consider before renting</a></li> <li><a onclick="dl_Navigation('menu','Types of housing for rent in Canada');" href="/consumers/renting-a-home/i-want-to-rent/types-of-housing-for-rent-in-canada" class=" ">Types of housing for rent in Canada</a></li> <li><a onclick="dl_Navigation('menu','Finding or advertising a rental property');" href="/consumers/renting-a-home/i-want-to-rent/finding-or-advertising-a-rental-property" class=" ">Finding or advertising a rental property</a></li> <li><a onclick="dl_Navigation('menu','Visiting the rental property');" href="/consumers/renting-a-home/i-want-to-rent/visiting-the-rental-property" class=" ">Visiting the rental property</a></li> <li><a onclick="dl_Navigation('menu','Lease and rental agreements');" href="/consumers/renting-a-home/i-want-to-rent/lease-and-rental-agreements" class=" ">Lease and rental agreements</a></li> <li><a onclick="dl_Navigation('menu','Signing the lease');" href="/consumers/renting-a-home/i-want-to-rent/signing-lease" class=" ">Signing the lease</a></li> <li><a onclick="dl_Navigation('menu','Credit checks and bad credit');" href="/consumers/renting-a-home/i-want-to-rent/credit-checks-and-bad-credit" class=" ">Credit checks and bad credit</a></li> <li><a onclick="dl_Navigation('menu','Rental payments and deposits<br>');" href="/consumers/renting-a-home/i-want-to-rent/rental-payments-and-deposits" class=" ">Rental payments and deposits<br></a></li> <li><a onclick="dl_Navigation('menu','Roommates and pets');" href="/consumers/renting-a-home/i-want-to-rent/roommates-and-pets" class=" ">Roommates and pets</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','I am renting');" href="/consumers/renting-a-home/i-am-renting" class=" ">I am renting</a> <ul> <li><a onclick="dl_Navigation('menu','Moving day');" href="/consumers/renting-a-home/i-am-renting/moving-day" class=" ">Moving day</a></li> <li><a onclick="dl_Navigation('menu','Landlord/Tenant responsibilities');" href="/consumers/renting-a-home/i-am-renting/landlord-tenant-responsibilities" class=" ">Landlord/Tenant responsibilities</a></li> <li><a onclick="dl_Navigation('menu','Inspections');" href="/consumers/renting-a-home/i-am-renting/inspections" class=" ">Inspections</a></li> <li><a onclick="dl_Navigation('menu','Maintenance and repairs');" href="/consumers/renting-a-home/i-am-renting/maintenance-repairs" class=" ">Maintenance and repairs</a></li> <li><a onclick="dl_Navigation('menu','Complaints and evictions');" href="/consumers/renting-a-home/i-am-renting/compliants-evictions" class=" ">Complaints and evictions</a></li> <li><a onclick="dl_Navigation('menu','Rent increases');" href="/consumers/renting-a-home/i-am-renting/rent-increases" class=" ">Rent increases</a></li> <li><a onclick="dl_Navigation('menu','When you can't pay rent');" href="/consumers/renting-a-home/i-am-renting/when-you-cant-pay-rent" class=" ">When you can't pay rent</a></li> <li><a onclick="dl_Navigation('menu','Renewing or terminating the lease');" href="/consumers/renting-a-home/i-am-renting/renewing-or-terminating-lease" class=" ">Renewing or terminating the lease</a></li> <li><a onclick="dl_Navigation('menu','Moving out');" href="/consumers/renting-a-home/i-am-renting/moving-out" class=" ">Moving out</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','One-Time Top-Up to the Canada Housing Benefit');" href="/consumers/renting-a-home/one-time-top-up-canada-housing-benefit" class=" ">One-Time Top-Up to the Canada Housing Benefit</a></li> <li><a onclick="dl_Navigation('menu','COVID&#8209;19: eviction bans and suspensions to support renters');" href="/consumers/renting-a-home/covid-19-eviction-bans-and-suspensions-to-support-renters" class=" ">COVID‑19: eviction bans and suspensions to support renters</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','About CMHC');" href="/about-us" class=" ">About CMHC</a> <ul> <li><a onclick="dl_Navigation('menu','CMHC’s goals, values and commitment to housing');" href="/about-us/cmhcs-story" class=" ">CMHC’s goals, values and commitment to housing</a></li> <li><a onclick="dl_Navigation('menu','Discover Life at CMHC');" href="https://www.cmhc-schl.gc.ca/en/working-at-cmhc" class=" ">Discover Life at CMHC</a></li> <li> <a onclick="dl_Navigation('menu','Management and governance');" href="/about-us/management-and-governance" class=" ">Management and governance</a> <ul> <li><a onclick="dl_Navigation('menu','Speakers’ bureau');" href="/professionals/events-and-speakers/speakers-bureau?rdlink=1" class=" ">Speakers’ bureau</a></li> <li><a onclick="dl_Navigation('menu','CMHC's Annual Public Meeting');" href="/about-us/management-and-governance/annual-public-meeting" class=" ">CMHC's Annual Public Meeting</a></li> <li><a onclick="dl_Navigation('menu','CMHC’s board of directors and committees');" href="/about-us/management-and-governance/board-of-directors-and-its-committees" class=" ">CMHC’s board of directors and committees</a></li> <li><a onclick="dl_Navigation('menu','Our management committee');" href="/about-us/management-and-governance/our-management-committee" class=" ">Our management committee</a></li> <li> <a onclick="dl_Navigation('menu','Pension governance');" href="/about-us/management-and-governance/pension-and-governance-at-cmhc" class=" ">Pension governance</a> <ul> <li><a onclick="dl_Navigation('menu','Pension overview');" href="/about-us/management-and-governance/pension-and-governance-at-cmhc/pension-overview" class=" ">Pension overview</a></li> <li><a onclick="dl_Navigation('menu','Key roles and responsibilities');" href="/about-us/management-and-governance/pension-and-governance-at-cmhc/key-roles-and-responsibilities" class=" ">Key roles and responsibilities</a></li> <li><a onclick="dl_Navigation('menu','Annual reports');" href="/about-us/management-and-governance/pension-and-governance-at-cmhc/annual-reports" class=" ">Annual reports</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Corporate reporting');" href="/about-us/corporate-reporting" class=" ">Corporate reporting</a> <ul> <li><a onclick="dl_Navigation('menu','CMHC’s 2023 Annual Report');" href="/about-us/corporate-reporting/cmhc-annual-report" class=" ">CMHC’s 2023 Annual Report</a></li> <li><a onclick="dl_Navigation('menu','Program evaluation');" href="/about-us/corporate-reporting/program-evaluation" class=" 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class="sr-only">Show Guide Chapters</span> </a> <input type="hidden" value="Show Guide Chapters" id="ia-showmore" /> <input type="hidden" value="Hide Guide Chapters" id="ia-hidemore" /> <div class="showmore-wrapper " style="display: none;"> <ul class="ai-guidenav"> <li> <a onclick='dl_CTA("I am renting",this);' href="/consumers/renting-a-home/i-am-renting" class="chapter-links">I am renting</a> </li> <li> <a onclick='dl_CTA("Moving day",this);' href="/consumers/renting-a-home/i-am-renting/moving-day" class="chapter-links">Moving day</a> </li> <li> <a onclick='dl_CTA("Landlord/Tenant responsibilities",this);' href="/consumers/renting-a-home/i-am-renting/landlord-tenant-responsibilities" class="chapter-links">Landlord/Tenant responsibilities</a> </li> <li> <a href="#" class="active" style="text-decoration:none">Inspections</a> </li> <li> <a onclick='dl_CTA("Maintenance and repairs",this);' href="/consumers/renting-a-home/i-am-renting/maintenance-repairs" class="chapter-links">Maintenance and repairs</a> </li> <li> <a onclick='dl_CTA("Complaints and evictions",this);' href="/consumers/renting-a-home/i-am-renting/compliants-evictions" class="chapter-links">Complaints and evictions</a> </li> <li> <a onclick='dl_CTA("Rent increases",this);' href="/consumers/renting-a-home/i-am-renting/rent-increases" class="chapter-links">Rent increases</a> </li> <li> <a onclick='dl_CTA("When you can%39t pay rent",this);' href="/consumers/renting-a-home/i-am-renting/when-you-cant-pay-rent" class="chapter-links">When you can't pay rent</a> </li> <li> <a onclick='dl_CTA("Renewing or terminating the lease",this);' href="/consumers/renting-a-home/i-am-renting/renewing-or-terminating-lease" class="chapter-links">Renewing or terminating the lease</a> </li> <li> <a onclick='dl_CTA("Moving out",this);' href="/consumers/renting-a-home/i-am-renting/moving-out" class="chapter-links">Moving out</a> </li> </ul> </div> </div> <section class="clearfix"> <div class="text-component text-clearfix"><p> “One Ontario resident learned the hard way about the importance of inspections. When she initially moved in, neither she nor her landlord formally inspected the property. When she moved out, she found herself legally and financially responsible for removing a wall that the previous tenants had constructed in the unit.” </p> <p> It is critical that the condition of the rental unit be documented on moving day. </p> <p>This will help:</p> <ul> <li>Note previous damage</li> <li>Establish a baseline to evaluate normal wear and tear</li> <li> Decide who is responsible for paying for any potential damages that might occur in the future. </li> </ul> <p> For tenants, it will also waive any liability for damages that existed prior to moving in. </p> <h2> Tenants and landlords should always conduct the move-in inspection together.</h2> <p> <a href="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/pdfs/content/en/initial-inspection-worksheet-cmhc-en.pdf">Download the Initial Inspection Worksheet (PDF)</a></p> <div class="calloutBox"> <p> Did you know? In some provinces, the security deposit is only repayable if the move-in inspection matches the one completed upon moving out. </p> </div> <p>Located in British Columbia or the Yukon?</p> <p> A Condition Inspection Report is required by law. Both the tenant and landlord should complete, sign and date the form at move-in and move-out. </p> <p> <a href="https://www2.gov.bc.ca/assets/gov/housing-and-tenancy/residential-tenancies/forms/rtb27.pdf">Download a Condition Inspection Report for British Columbia (PDF)</a></p> <p> <a href="https://yukon.ca/sites/yukon.ca/files/cs/cs-forms/cs-condition-inspection-report-template-for-landlords-and-tenants.pdf">Download a Condition Inspection Report for the Yukon (PDF)</a></p> <h2>Final inspections</h2> <p> When a tenant moves out, they will have to prove that the condition of the rental meets with the landlord’s approval. </p> <p> Refer to the initial inspection that was completed upon moving in, and compare it with the condition of each room on moving out. </p> <p> If the rental unit passes the landlord’s final inspection, the lease deposit will be returned. </p> <p> If the property is in disrepair or unacceptably dirty, the lease deposit, and interest will be used to pay for cleaning and repairing damages. </p></div> <div class="cmhc-accordion custom-margin ia-cmhc-accordion "> <div class="accordion-panel" id="a1-p1"> <h2 class=" acc-bgcolor-white acc-border-blue color-blue font-16 font-bold">TIPS FOR TENANTS… </h2> <div style="display:none;" class="acc-bgcolor-white acc-border-lightgrey"> <div class="text-component text-clearfix"><p>Contact your local fire department to see if they have recently inspected your rental unit for fire safety. If not, many will inspect your place free of charge. They will deal directly with your landlord to make sure your rental is safe.</p> <p>Also, consider enlisting the help of a friend to make sure your move-in day inspection is as thorough as possible. Use your smartphone to record or take pictures of any problems you find, and make sure to save a back-up of the file for safe keeping.</p></div> </div> </div> <div class="accordion-panel" id="a1-p2"> <h2 class=" acc-bgcolor-white acc-border-blue color-blue font-16 font-bold">TIPS FOR LANDLORDS… </h2> <div style="display:none;" class="acc-bgcolor-white acc-border-lightgrey"> <div class="text-component text-clearfix"><p>Make sure both you and your tenant sign the pre-inspection form and note any building items that need repair or replacement on a room-by-room basis.</p> <p>Consider taking photographs or even recording both move-in and move-out inspections to help document the condition of the unit.</p></div> </div> </div> </div> </section> <footer class="clear-fix"> <a href="/consumers/renting-a-home/i-am-renting/landlord-tenant-responsibilities" class="float-left" onclick='dl_Navigation("content","previous - Landlord/Tenant responsibilities");'> <span>Previous</span> Landlord/Tenant 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