Homeowners sometimes run into problems that can affect their ability to make their mortgage payments. By working together, we can help you come up with a plan and create a solution that works for everyone.


Approved Lenders can find the best way to deal with almost any default situation with our Default Management Tool Selector.

This includes tools like:

  • converting a variable rate mortgage to a fixed rate
  • offering a short-term mortgage payment deferral
  • extending the amortization period
  • spreading out missed payments over the total repayment period
  • creating special payment arrangements

Learn more about Dealing with Mortgage Payment Difficulties.

Complex accounts

For complex accounts, our Default and Claims Management Team can help with everything from early delinquency to filing a claim. They can also work with you to manage defaults on multi-unit properties.

If you have a complex or unusual account, contact our Default and Claims Management Team.

Submit a claim

When a default occurs, we help you minimize your loss and reduce the risk. Our online system, emiliCLAIMS, is a fast and secure way to submit claims for properties with 1-4 units.

If you have any questions about submitting a claim, contact one of our Default and Claims Officers.

Find out more

For general inquiries, call our Claims Payment Centre at 1-866-358-9999. The Centre is open Monday to Friday from 6:30 a.m. to 11 p.m. EST. We’re also available on Saturdays from 8:30 a.m. to 7 p.m. EST.

For complex or specific inquiries, you can reach a Default and Claims Officer through the Payment Centre number. Claims Officers are available Mondays to Fridays from 8 a.m. to 6 p.m. EST.

For training on how to use our Default Management Tools, contact your CMHC Account Manager.  

Date Published: May 19, 2018