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Lyle Hamilton in The Globe and Mail

My Clients Say...

Lyle Hamilton is an executive level real estate consultant. If you have a challenging sales or purchase project, Lyle will coordinate every aspect to make it happen – and it will – with a smile! I have engaged Lyle on three projects, none of them easy:

  1. sale of a 2000 sq ft condo in downtown Toronto suited to a buyer looking for a large entertainment space with outdoor amenities.
  2. purchase of a 1100 sq ft condo suitable to accommodate two home offices.
  3. negotiation of a commercial lease for a 1500 sq ft office suite with complex requirements. Lyle continued to be involved after the lease was signed, ironing out difficulties that were interfering with us getting settled in our new offices.

Lyle is cheerful, responsive, professional, dependable, punctual and trustworthy. Moreover, he is skilled negotiator when the deal could easily depend on the recommendation of the other agent to their client; persistent; well-connected to other agents, including international; and he has at his finger tips, trades and other services that may be needed to smooth the path to completion of a deal.

Lyle, puts meaning back into “full-service representative.”

Yours truly,


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Canada Mortgage & Housing Corp. is required to insure all mortgages that are less than 20% down payment (also called high ratio mortgage). The insurance payment can be added to your principal mortgage amount or paid at closing.

An affordable form of insurance

The premium for your Mortgage Loan Insurance is calculated as a percentage of the loan and is based on your down payment as a percentage of your home's purchase price.

  • Premiums range from 0.5% to 2.75% (see chart below).
  • A .25% premium surcharge is added to the premium if you choose a standard variable rate mortgage.
  • A .50% surcharge is added to the premium if progress advances are required.
  • You can pay this premium in a single lump sum, or add it to your mortgage and include it in your monthly payments.
  • A representative of your lender or mortgage broker will calculate the amount of your premium for you, as well as the application fee.


Table of Insurance Premiums

Loan Size Single Advance
(% of purchase price)

(% of Loan)

Up to and including 65%


Up to and including 75%


Up to and including 80%


Up to and including 85%


Up to and including 90%


Up to and including 95%



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