Glossary

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H

High-ratio Mortgage

A mortgage loan in excess of 75% of the lending value of the property. This type of mortgage must be insured-for example, by CMHC-against payment default.



Holdback

An amount of money withheld by the lender during the progress of construction of a house to ensure that construction is satisfactory at every stage. A standard holdback amount is 10% of the total cost of the building project.



 

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