“CMHC fees” are classified as mortgage default insurance.
These fees depend on a few factors, but the two largest factors are if you are self-employed, with difficult to prove income, and the amount of your downpayment. If you can get to 20% down, there is a good chance you won’t have to cough up any of these premiums 🙂
For a list of the latest penalties, you can check out this great resource: CMHC Premiums List
