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CMHC’s Underwriting Centre

CMHC’s Underwriting Centre is backed by the experience gained from the millions of transactions approved through emili. Our dedicated team of emili Professionals is committed to providing you with extended hours of service and national expertise with a local perspective. Whether you have a mortgage loan insurance question, are seeking policy information or simply need help with submitting an application, an emili Professional is available Monday to Friday from 6:30 a.m. to 11:00 p.m. (Eastern Time) and Saturdays from 8:30 a.m. to 7:00 p.m. (Eastern Time).

1-888 GO emili  (1-888-463-6454)


Atlantic — 1-888-560-2642 or 902-426-4663
Quebec — 1-866-585-0161
Ontario — 1-866-285-0819 or 416-218-3311
Prairies — 1-800-527-9241 or 403-515-2933
British-Columbia — 1-877-329-3654 or 604-737-4122

Multi-Unit Properties

1-877 MULTI-GO  (1-877-685-8446)


In 1996, CMHC launched emili — a groundbreaking on-line mortgage loan insurance decisioning system. The automation of the CMHC underwriting process for 1-4 unit residential properties brought many benefits for Mortgage Professionals including faster CMHC decisioning as turnaround times were reduced from days to seconds and lower costs per transaction.

emili provides a consistent, comprehensive and objective risk-based analysis that considers the borrower, property, market and overall risk of each application. emili can be used to process all applications for mortgage loan insurance covering 1 to 4 unit residential properties.

Today, emili remains Canada’s leading on-line mortgage loan insurance decisioning system.

Applications can be submitted on emili Monday to Friday 6:30 a.m. to 11 p.m. (Eastern Time), Saturday 8 a.m. to 8 p.m. (Eastern Time) and Sunday 12 p.m. to 8 p.m. (Eastern Time).

CMHC. Everything you need to open new doors.



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