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.
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.