[onetwo_threefour]

^ The standard CMHC terms were created by CMHC, but they are no longer widely used even for CMHC-insured mortgages. Almost all lenders have their own set of standard terms for both Conventional and High Ratio mortgages (including CMHC). CMHC doesn't mandate the use of their terms, and if I remember correctly I don't think they've been updated since 1998.

Instead, each banks terms will have similar language to what you see above, but each financial institution has their own policies. The term in the Standard Form Mortgage is somewhat irreleveant. Either the bank agrees to lend you money or they don't and they can impose any requirements they choose as long as they are not unconscionable or illegal.

If TD decides tomorrow that they want to pay clients' Condo fees, property taxes, house insurance and require a client to post a cash bond up front to borrow money, they can do so. Whether they would do this type of thing depends on how badly it would hurt their mortgage business if other lenders aren't doing the same thing. There's no magic language out there anywhere that restricts them from imposing these kinds of conditions on lending their money to you.