The CMHC fee usually pertains to mortgages with less than 20% down payment, and is included in the mortgage balance. It is not paid upfront or out of pocket. This allows you to get into a house before you save up for a 20% down payment. This means no more landlord rent payments for that time, and no missing out on housing market growth. Whether you live in London, Windsor, Kitchener Waterloo, Cambridge, Guelph, Milton or Brantford, knowing this information can come in handy when applying for a mortgage with your Mortgage Broker.