COVID-19: Mortgage Payment Deferral

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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=" 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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 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Homeowners facing financial stress may be eligible for a mortgage payment deferral up to 6 months to help ease the financial burden. </p>  <h2>What is mortgage payment deferral? </h2> <p>Mortgage payment deferrals can help you during times of financial hardship — like unemployment or reduced employment due to the Coronavirus (COVID-19) outbreak. </p> <p> The deferral is an agreement between you and your lender. Typically, the agreement indicates that you and your lender have agreed to pause or suspend your mortgage payments for a certain amount of time. It’s also known as a mortgage payment deferral agreement or mortgage forbearance agreement and it’s a temporary measure. </p> <p> After the agreement ends, your mortgage payments return to normal and the missed payments — including principal and accumulated interest - repaid. </p> <h2>How mortgage payment deferrals can help you? </h2> <p>A mortgage deferral helps you when you’re struggling to make your payments by allowing you to skip your mortgage payment for a specified amount of time.</p> <h2>Are the deferred payments erased or cancelled?</h2> <p>The mortgage deferral agreement does not cancel, erase or eliminate the amount owed on your mortgage. At the end of the agreement, you will have to resume payment according to your regular payment schedule. </p> <p> <strong>NOTE:</strong> The interest that hasn’t been paid during the deferral period continues to be added to the outstanding principal of your mortgage. This can affect the total amount you owe in accordance with the original payment schedule. </p> <h2>Do I need to repay the deferred amounts?</h2> <p>Yes, you’ll need to repay the amounts of the skipped payments including both principal and interest. </p> <h2>How do I repay the deferred amounts? </h2> <p>Details of the repayment will vary according to the specific lender and situation. </p> <p> The interest on your mortgage that hasn’t been paid during the deferral period continues to be added to the outstanding principal of your mortgage. When your payments start again, your mortgage payment might be based off the total amount you then owe to pay off your mortgage in accordance with the original payment schedule.</p> <p> <strong>IMPORTANT:</strong> Mortgage payment deferrals focus solely on your mortgage. It won’t affect other payments regularly withdrawn, like property taxes and life/disability insurance. </p> <h2>How do I know if I am eligible for a mortgage payment deferral? </h2> <p>Your lender — your bank or your mortgage professional — can tell you if you are eligible for a mortgage payment deferral. </p> <h2>Is CMHC helping with mortgage deferrals? </h2> <p>Yes, with the COVID-19 outbreak, we are allowing lenders to offer deferred payments for insured mortgages.</p> <p> All mortgage insurers offer a number of tools to lenders that can help you when you’re in financial difficulty and are struggling to meet your mortgage obligations. </p> <h2>What if my mortgage isn’t CMHC-insured? </h2> <p>Any borrower facing financial difficulty should contact their lender — your bank or mortgage professional — to learn what options are available. </p> <h2>What are my options?</h2> <p>The payment deferral is for people who will struggle to make their next mortgage payment. If you are in a position to make your payments, you should.</p> <p> If — at any point in this crisis — you think you won’t be able to make your regular mortgage payment, it’s important for you to take quick action. Contact your bank or mortgage professional immediately before you miss a payment.</p> <p> For additional information, check out these three simple steps when <a href="/professionals/industry-innovation-and-leadership/industry-expertise/resources-for-mortgage-professionals/dealing-with-mortgage-payment-difficulties">dealing with mortgage payment difficulties</a>. </p> </div> </section> </article>   <div class="feedback clear-fix"> <div class="relevant" tabindex="0"> <h2>Was this page relevant to your needs?</h2> <div class="button-panel"> <input type="button" onclick="dl_Relevancefeedback('yes');" value="Yes" class="secondary button-sm relevant-yes"> <input type="button" onclick="handleNoClick();" value="No" class="secondary button-sm relevant-no"> </div> <div class="vertical-line" id="verticalLine"> </div> </div> <div class="relevant-yes hidden"> <p>Thank you for your feedback!</p> </div> <div id="feedback-options" class="relevant-no hidden"> <h3>How Can We Help?</h3> <div class="options row"> <div class="option" onclick="toggleSection('improvement-section', this); 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