What is MLI Select?
Earn points for Affordability, Energy Efficiency, and Accessibility. Higher tiers unlock better terms and significant premium savings.
CMHC MLI Select Program
MLI Select is CMHC's premium multi-unit residential insurance program that rewards developers and property owners for creating more affordable, energy-efficient, and accessible housing. Through a point-based scoring system, projects can qualify for enhanced insurance terms, extended amortizations, and substantial premium discounts.
Affordability Focus
Earn up to 50 points by maintaining below-market rents and implementing affordability measures.
- Rent-to-income caps
- Affordable unit requirements
- Long-term affordability commitments
Energy Efficiency
Gain up to 30 points through green building practices and energy-efficient design.
- ENERGY STAR certification
- High-performance building envelope
- Renewable energy systems
Accessibility
Achieve up to 20 points with universal design and barrier-free accessibility features.
- Universal design principles
- Accessible unit requirements
- Enhanced accessibility features
Benefits by Tier
The more points you earn, the greater the benefits and cost savings for your project
Tier 50
- 40-year amortization
- Basic premium discount
- Standard processing
Tier 70
- Higher loan-to-value ratios
- Enhanced premium discount
- Priority processing
Tier 100
- Maximum premium savings
- Highest leverage available
- Expedited approval
Why MLI Select Matters
For Developers
- Significant insurance premium savings (up to 25% discount)
- Extended amortization periods for better cash flow
- Higher loan-to-value ratios reducing equity requirements
- Competitive advantage in the affordable housing market
For Communities
- More affordable rental housing options
- Energy-efficient buildings reducing environmental impact
- Enhanced accessibility for residents with disabilities
- Long-term affordability commitments protecting tenants