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CMHC MLI Select Financing

Access Canada's premium CMHC mortgage insurance program with the highest leverage available. MLI Select combines 95% LTV financing with a flexible points-based system that rewards projects for affordability, energy efficiency, and accessibility features—making it ideal for ambitious multi-family developments.

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1

Points Assessment

We evaluate your project's points score across affordability, energy efficiency, and accessibility criteria.

2

Application Submission

Submit your project to CMHC with our lender partners for formal approval and points verification.

3

Funding & Compliance

Close your financing and maintain compliance with CMHC MLI Select program requirements throughout the loan term.

MLI Select

95% LTV Premium CMHC Insurance

MLI Select is CMHC's flagship insurance program, designed for multi-family properties that meet affordability, energy efficiency, and accessibility standards. The points-based system incentivizes sustainable development while offering the highest loan-to-value ratio available in Canada.

95%
Maximum LTV
50yr
Maximum Amortization
50pts
Minimum Score
0.5%
Premium Discount Potential

Highest Leverage Available

Achieve 95% loan-to-value financing on multi-family properties, reducing your equity requirement and freeing capital for other investments.

Energy Efficiency Points

Earn points for high-performance building standards, reducing insurance premiums and accelerating your project's environmental impact.

Affordability Requirements

Projects with below-market rental units qualify for bonus points, supporting mixed-income communities while reducing your financing costs.

Accessibility Incentives

Design units with universal accessibility features and earn additional points that lower your insurance premium.

Extended Amortization

Extend your mortgage up to 50 years, spreading payments over a longer period to improve cash flow and debt service coverage.

Streamlined Process

CMHC MLI Select has become increasingly standardized across lenders, making underwriting faster and more predictable than alternative programs.

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Let's assess your project's MLI Select potential and build your financing strategy.

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Services

MLI Select Financing Options

Unlock 95% LTV financing across multiple development scenarios.

New Construction

Finance new multi-family properties from the ground up with 95% LTV and competitive rates through CMHC MLI Select insurance.

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What's Included

  • 95% loan-to-value available
  • Up to 50-year amortization
  • Points-based qualification system

Existing Property Acquisition

Purchase existing multi-family properties and access MLI Select financing at 95% LTV if the project meets affordability and efficiency standards.

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What's Included

  • Acquisition financing with minimal down
  • Points earned for affordability units
  • Competitive long-term rates

Refinance

Refinance existing mortgages into MLI Select insurance to access higher leverage and potentially lower rates through CMHC's premium program.

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What's Included

  • Access up to 95% of property value
  • Extend amortization to 50 years
  • Potential premium discounts for qualifiers
Eligibility

CMHC MLI Select Requirements

MLI Select has specific eligibility criteria tied to affordability, energy efficiency, and accessibility standards. Your property must meet CMHC's baseline requirements plus the points-based qualifications.

Requirements

  • CMHC-approved lender relationship and pre-qualification.
  • Minimum 50-point score on CMHC's points-based assessment system.
  • Multi-family property with 2+ units or purpose-built rental designation.
  • Compliance with affordability, energy efficiency, or accessibility criteria.
  • Debt Service Coverage Ratio (DSCR) of 1.10x minimum (varies by lender).
  • Property valuation and appraisal from CMHC-approved appraiser.

How We Help

  • Detailed points analysis to maximize your insurance premium discount.
  • Access to CMHC's network of top-tier lenders specializing in MLI Select.
  • Refinancing strategies to lower rates or extend amortization.
  • Guidance on affordability, energy efficiency, and accessibility features that earn bonus points.
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FAQ

Questions About MLI Select Financing Options

Everything you need to know about mli select financing options.

MLI Select Basics

MLI Select is CMHC's premium mortgage insurance program offering 95% LTV financing for multi-family properties that meet affordability, energy efficiency, and accessibility standards. It's designed to support sustainable housing development while offering maximum leverage.
Your project earns points for meeting specific criteria such as including below-market rental units, achieving high energy efficiency standards, and incorporating universal accessibility features. A minimum of 50 points is required to qualify for MLI Select.
MLI Select offers 95% LTV with a points-based system and rewards for affordability/efficiency/accessibility. MLI Standard is simpler, offering 85% LTV without points, but with faster approval and lower qualification complexity.
Yes. Existing properties can qualify if they are converted to rental use or already operate as multi-family rental buildings and meet the affordability and efficiency criteria.

Financing & Rates

MLI Select allows amortization periods up to 50 years, with standard options at 25, 30, 40, and 50 years. Longer amortization improves cash flow and DSCR but increases total interest paid.
Yes. Projects that include a percentage of below-market rental units or achieve energy efficiency certifications can qualify for up to a 0.5% reduction in your mortgage insurance premium.
Minimum DSCR requirements vary by lender and property type, but typically range from 1.10x to 1.15x for MLI Select properties. Strong DSCR and property fundamentals improve approval odds and rates.

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