CMHC • MLI Select
Scenario Compare
Compare multiple MLI Select scenarios side by side to optimize your points and terms.
Scenarios
Points
100Tier 100
Affordability:100
Energy:20
Accessibility:20
Max Amort:50y
Leverage:95%
Premium Discount:30%
Points
100Tier 100
Affordability:100
Energy:20
Accessibility:20
Max Amort:50y
Leverage:95%
Premium Discount:30%
Side-by-Side Comparison
| Metric | Scenario A | Scenario B |
|---|---|---|
| Total Points | 100 | 100 |
| Tier | 100 | 100 |
| Max Amortization | 50 years | 50 years |
| Leverage | 95% | 95% |
| Premium Discount | 30% | 30% |
| Max Loan | $19,000,000 | $19,000,000 |
| Est. Premium Rate (after discount) | 5.77% | 5.77% |
| Premium Savings vs. No Discount | $470,250 | $470,250 |
Premium estimates use CMHC's standard rental premium grid (effective July 14, 2025): base rate by LTV/LTC and loan purpose (new construction priced as construction financing), plus 0.25% per 5 years of amortization beyond 25, less the MLI Select discount. Excludes EGI, non-residential and second-mortgage surcharges. CMHC updates these tables periodically — confirm with your lender.