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Mortgage Loan Insurance: Affordable Housing

Mortgage insurance options to build or improve rental housing.

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Mortgage Loan Insurance: Affordable Housing 

CMHC mortgage insurance offers many flexible tools to help you build, repair or improve rental housing. These include: 

  • higher loan-to-value ratios 
  • loan advances of 85-95% of costs during construction 
  • debt coverage ratios as low as 1.10 for standard rentals 
  • amortization periods up to 40 years 
  • reduced premiums
Download Fact Sheet (PDF)

IS YOUR PROJECT ELIGIBLE?

AFFORDABILITY CRITERIA

ENERGY-EFFICIENT REFUNDS

FIND OUT MORE

For more details about our mortgage insurance tools, including:

  • types of housing
  • eligibility requirements
  • application fees and premiums
  • required documents
  • replacement of covenant
  • Multi-unit insurance servicing
  • Report of loans in arrears for multi-unit properties
  • and funding opportunities

You can:

  • download our Reference Guide to Mortgage Loan Insurance for Multi-Unit Residential Properties (PDF)
  • fill out a Certificate of Insurance — application form (PDF) **Important: To use this interactive PDF, right click (Ctrl + click on Mac) the link to save the file, and then open it in Adobe Acrobat.
  • contact one of our Client Relationship Managers

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Date Published: March 31, 2018
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