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Affordable Housing

Offers flexibilities to encourage the construction, preservation and improvement of affordable rental properties, helping Canadians meet their rental housing needs. The flexibilities include higher loan-to-value ratios, lower debt coverage ratios, and reduced premiums.


Download fact sheet (PDF)

You also might qualify for an energy efficient refund (PDF)


  • Available for new and existing affordable housing projects including standard apartment, single room occupancy (SRO), supportive housing and retirement homes.
  • Minimum project size of 5 units except retirement homes where a minimum of 50 units/beds is required.
  • Offers lower mortgage insurance premiums.
  • CMHC may consider amortization periods of up to 40 years.

Have questions or need assistance?

Contact one of our client relationship managers today!

Application form

Additional information



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