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  • Insurance and Securitization

    • Homeowner and Small Rental Insurance
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    • CMHC Default Management Tool Selector
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    Contact details for mortgage loan insurance, underwriting, business development and real estate.

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    Reports Calendar

    Find out when we’re releasing our latest housing reports.

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    Residential Mortgage Industry Report Spring 2026

    Highlighting mortgage trends, lender activity and housing finance insights to support informed decisions for stable, affordable markets.

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Housing Finance Solutions
  • Homeowner and Small Rental Insurance
  • Multi-Unit Insurance
  • Securitization
  • Claims, Defaults and Risk Management
  • Calculating GDS/TDS
  • CMHC Default Management Tool Selector
  • How to Recognize and Report Mortgage Fraud
  • NHA Approved Lenders
  • Apartment Construction Loan Program
  • Housing Accelerator Fund
  • Federal Lands Initiative
  • View all housing programs
Housing Expertise
  • Housing Demand and Supply
  • Housing Finance
  • Indigenous Housing
  • Building Innovation
  • Housing Policies and Rules
  • Rental Markets and Vacancy Rates
  • Affordable and Non-Market Housing
  • Housing Needs and Conditions
  • Housing Market Outlook
  • Housing Supply Report
  • Residential Mortgage Industry Report
  • Rental Market Report
  • Northern Housing Report
  • Residential Mortgage Industry Data Dashboard
  • Canadian Housing Survey Data
  • Household Characteristics Data
  • Rental Market Data
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  • Homeowner and Small Rental Mortgage Loan Insurance
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Homeowner and Small Rental Mortgage Loan Insurance (1 to 4 units)

Mortgage Loan Insurance Options for Lenders: Homeowner and Small Rental Loans

Our mortgage loan insurance supports lenders offering financing to clients seeking homeowner and small rental loans. As Canada’s first mortgage loan insurance provider, we bring extensive experience to the table. Rely on us to offer essential products, services and market insights to keep you informed. Trust CMHC to help you stay one step ahead.

Homeowner Quick Reference Guide

Get an overview of CMHC’s homeowner mortgage loan insurance products and eligibility requirements.

Learn more

Get applications approved faster

Leverage emili, our online mortgage insurance application system, to get approvals in seconds!

Learn More
 

CMHC Purchase

Enables buyers to purchase a home with a minimum down payment of 5%.

 
 

CMHC Improvement

Access more financing options for new construction and home improvements.

 
 

CMHC Newcomers

Improves housing choice for newcomers to Canada.

 
 

CMHC Self-Employed

Facilitating access to mortgage loan insurance for business owners.

 
 

CMHC Portability

Provides flexibility and financing choice for borrowers who are relocating.

 
 

CMHC Income Property

Financing options for investors in all markets.

 
 

CMHC Home Start

30-Year mortgages for first-time homebuyers of new builds.

 
 

CMHC Refinance

Helping homeowners fund the building of a secondary suite.

 

CMHC Second Home

Financing options for borrowers purchasing a second home.

 

CMHC Prefab Plus

See how CMHC Prefab Plus supports financing for prefab, modular and manufactured homes.

Unlock Savings with CMHC’s Eco Products!

CMHC's Eco Plus and Eco Improvement products offer a 25% partial premium refund for climate-friendly housing, including energy-efficient upgrades for existing homes.

Learn More

CMHC Eco Plus

Borrowers who buy newly built climate-friendly housing using CMHC-insured financing can apply for a 25% partial premium refund.

CMHC Eco Improvement

Eco Improvement offers a 25% partial premium refund to borrowers who buy existing homes and make energy efficient improvements.

 

Get in touch

Our Homeowner Underwriting Centre is backed by our dedicated team of professionals to provide mortgage loan, policy, and application information.

Call us at 1-888-Go-emili
(1-888-463-6454)

Contact a CMHC representative

Why Choose CMHC?

  • Leverage emili, our extensive database of over 11 million properties, to process mortgage insurance applications efficiently.
  • We enable lenders to understand and meet the evolving needs of Canadians with our products, resources and specialized training.
  • We serve Canadians by directing revenue back to the government as dividends to be re-invested for the benefit of the broader Canadian society.

Valuable Market Insights

We have the data, research and insights you need today to make sound business decisions for tomorrow.

Building under construction

March 27, 2024

A 2023 recap of new home construction trends in Canada

Discover highlights from our latest Housing Supply Report.

Bob Dugan being interviewed

April 4, 2024

2024 Housing Market Outlook

Joelle Hamilton and Bob Dugan discuss the 2024 Housing Market Outlook.

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