CMHC • MLI Select
Benefits by Tier
Tier 50/70/100: longer amortization, higher leverage, premium discounts. The more points you earn, the greater the benefits.
Tier 50
50-69 Points
10% discount
Premium Savings
- Up to 40-year amortization
- 10% premium discount
- 95% LTC (new) / 85% LTV (existing)
- Full recourse
Amortization: Up to 40 years
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Tier 70
70-99 Points
20% discount
Premium Savings
- Up to 45-year amortization
- 20% premium discount
- Up to 95% LTC / LTV
- Full recourse
Amortization: Up to 45 years
Tier 100
100+ Points
30% discount
Premium Savings
- Up to 50-year amortization
- 30% premium discount
- Up to 95% LTC / LTV
- Limited recourse available
Amortization: Up to 50 years
Detailed Benefits Breakdown
Understanding exactly what each tier unlocks for your project
Financial Benefits
- Premium discounts of 10%, 20% or 30% (50 / 70 / 100 points)
- Extended amortization periods of up to 40, 45 or 50 years
- Higher loan-to-value ratios for reduced equity requirements
- Improved cash flow through lower monthly payments
- Potential savings of hundreds of thousands on large projects
Operational Benefits
- Priority processing for higher tier applications
- Expedited approval timelines for Tier 100 projects
- Enhanced CMHC support throughout the process
- Access to specialized MLI Select underwriters
- Streamlined documentation requirements
Competitive Advantages
- Market differentiation through MLI Select certification
- Enhanced marketability to affordable housing advocates
- Government recognition for sustainable development
- Potential for additional municipal incentives
- Long-term tenant stability through affordability commitments
Project Impact
- Contribution to national affordable housing goals
- Environmental benefits through energy efficiency requirements
- Social impact through accessibility and affordability
- Community development through thoughtful design
- Legacy creation through sustainable building practices
Potential Cost Savings
Example savings on a $10M project with different MLI Select tiers
Tier 50
$75,000 - $150,000
in premium savings
Tier 70
$225,000 - $300,000
in premium savings
Tier 100
$375,000 - $500,000
in premium savings
*Actual savings depend on project specifics, location, and final CMHC terms. Contact us for a personalized assessment.