📌 CMHC – MLI Select & Related Incentives

The CMHC MLI Select program offers enhanced mortgage loan insurance and supports energy-efficient, accessible, and affordable rental housing. With options for premium savings, extended amortization, and increased loan amounts, this program is designed to make greener housing financially viable.

For even greater impact, combine with Greener Affordable Housing funding (formerly the National Housing Co-Investment Fund) to support deep energy retrofits, new builds, or conversions aligned with Canada’s climate and housing goals.

💰 Financial Assistance & Benefits

MLI Select Benefits (based on scoring for affordability, energy efficiency, and accessibility):

  • Up to 95% loan-to-value
  • Up to 50-year amortization
  • Up to 100% refund of premium surcharges
  • Faster application review for qualified applicants

Greener Affordable Housing (for new construction or retrofits):

  • Grants: Up to 40% of project costs
  • Loans: Low-interest financing up to 100% of eligible costs
  • Bonus: GHG reduction-based incentives

🧩 Who Qualifies?

  • Private, non-profit, co-op, or public housing providers
  • Projects that meet CMHC affordability, energy, or accessibility minimums
  • Must meet Net-Zero Ready or energy/GHG improvement thresholds
  • Can be used for new builds, deep retrofits, or adaptive reuse

🛠️ Our Expertise

We support you through application, design, and implementation:
✅ Energy modeling & pre-application scoring
✅ Accessibility & universal design consultation
✅ CMHC documentation and portal support
✅ Construction-phase guidance
✅ Performance validation & ongoing reporting

🧷 Can Be Combined With:

MLI Select and Greener Affordable Housing Funding can be combined with virtually all other applicable programs.

📞 Build Smart. Borrow Better.

Whether you’re planning a new housing development or upgrading your existing portfolio, our technical and funding experts will guide you through every step of CMHC’s MLI Select and greener financing programs.

📅 Schedule a Funding Assessment  📥 Download CMHC Guide