[onetwo_threefour]

Scotiabank insists on PIT when first-time buyer and CMHC. Certain branches of TD claim that to be their company wide policy as well although I know that it is not actually true.

As far as I know (I am a real estate lawyer who deals with at least 20 different banks/lenders) it is not a CMHC requirement, although it may be recommended (I can't say as I don't have access to CMHC's interactions with the lenders). I do know that I have had first time buyers with CMHC insured loans not being required to be PIT within the last year. If I have to think, I believe this would be with CIBC, and their brands (Firstline, President's Choice) and BMO, and at least a few others. TD and Scotia both seem to be on the PIT bandwagon although I don't think it's 100% with TD where it is with Scotia.