CMHC MLI Select

CMHC MLI Select is an insurance program for multi-unit housing that rewards affordability, accessibility, and energy efficiency.

CMHC MLI Select

September 30, 2025


What is CMHC MLI Select?

CMHC MLI Select is a multi-unit mortgage loan insurance program offered by the Canada Mortgage and Housing Corporation (CMHC). It provides insured financing for multi-residential properties that meet specific affordability, accessibility, or energy efficiency criteria. Borrowers earn points based on the strength of these commitments.

Why CMHC MLI Select Matters in Real Estate

CMHC MLI Select matters in real estate because it encourages the development of sustainable and affordable rental housing. It offers benefits such as longer amortization periods, higher loan-to-value ratios, and lower insurance premiums for qualifying projects.

Example of CMHC MLI Select in Action

A developer applies for CMHC MLI Select insurance on a new 100-unit rental project. By committing to affordability and energy efficiency targets, the project qualifies for a 50-year amortization and reduced premiums.

Key Takeaways

  • Supports development of multi-unit rental housing.
  • Offers extended amortizations and higher LTV ratios.
  • Rewards commitments to affordability and sustainability.
  • Administered by CMHC with a points-based system.
  • Reduces financing costs for qualifying projects.

Related Terms

  • CMHC
  • Mortgage Loan Insurance
  • Affordable Housing
  • Energy Efficiency
  • Accessibility

Additional Terms

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Mortgagee in Possession

A mortgagee in possession is a lender who takes control of a property after borrower default, but before foreclosure or power of sale. The lender. more

Lease Surrender Agreement

A lease surrender agreement is a negotiated contract between a landlord and tenant that ends a lease before its scheduled expiration. Terms may. more

Green Infrastructure

Green infrastructure refers to natural or engineered systems that manage stormwater, reduce heat, and improve sustainability in developments.. more

Escrow Holdback

An escrow holdback is a portion of funds withheld at closing and held in escrow until specific conditions are met, such as completion of repairs,. more

Underused Housing Tax

The Underused Housing Tax (UHT) is a federal annual 1% tax on the value of vacant or underused residential property owned by non-resident,. more

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