Skip to content
CMHC Home Canada Mortgage
and Housing Corporation
  • Sign In or Register
  • FRANÇAIS
  • MENU
MENU
× FRANÇAIS
  • Home
  • Professionals
    • Project funding and mortgage financing
      • Funding programs
        • Affordable Housing Fund
        • Affordable Housing Innovation Fund
        • Apartment Construction Loan Program
        • Canada Greener Affordable Housing
        • Community (social) housing
        • Federal Lands Initiative
        • Funding for Indigenous housing
        • Housing Supply Challenge
        • Innovation and research
        • National Housing Strategy Project Profiles
        • Rapid Housing Initiative
      • Mortgage Loan Insurance Products
        • Homeowner and Small Rental Mortgage Loan Insurance
          • CMHC Home Start
          • CMHC Purchase
          • CMHC Improvement
          • CMHC Income Property
          • CMHC Newcomers
          • CMHC Self-Employed
          • CMHC Portability
          • Eco Products for Lenders
        • Homeowner Business Transformation (HBT)
          • Arrears Report Upload Tool
          • Default Management Request Submission Tool
          • Homeowner Claims Submission Tool
          • User Access Management (Coming Soon)
        • Multi-Unit and Rental Housing
          • MLI Select
        • Default, claims and properties for sale
        • Underwriting centre
        • emili
        • NHA approved lenders
        • Calculating GDS / TDS
        • How to recognize and report mortgage fraud
        • Contact mortgage loan insurance
        • Insured Mortgage Purchase Program (IMPP)
      • Securitization
        • NHA Mortgage Backed Securities
        • Canada Mortgage Bonds
        • Canadian registered covered bonds
        • Blockchain in the housing industry
    • Housing markets, data and research
      • CMHC Reports Calendar
      • Housing markets
        • Housing market reports
        • Mortgage market and consumer reports
      • Housing research
        • Consultations
          • Prohibition on the Purchase of Residential Property by Non-Canadians Act
            • Prohibition on the Purchase of Residential Property by Non-Canadians Act – Frequently asked questions
        • Housing research reports
        • Housing surveys
          • Mortgage consumer surveys
        • Research awards and scholarships
        • Understanding core housing need
        • Collaborative Housing Research Network
      • Housing data
        • Data tables
          • Household characteristics data
          • Housing market data
          • Mortgage and debt data
          • Rental market data
        • Housing market information portal
        • Residential Mortgage Industry Data Dashboard
        • CMHC licence agreement for the use of data
        • Housing Knowledge Centre
    • Industry innovation and leadership
      • Housing innovation
      • Our Partners
        • Partnerships
        • Federal, Provincial and Territorial Forum on Housing
          • Resources for Members of the Federal, Provincial and Territorial Forum on Housing
      • Industry collaboration
        • Expert Community on Housing (ECoH)
      • Industry expertise
        • Affordable housing
        • Indigenous housing
        • Senior housing
        • Accessible and adaptable housing
        • Developing sustainable housing
        • Resources for mortgage professionals
        • CMHC newsletters
    • Events and speakers
      • Conferences
        • 2024 National Housing Conference
          • About
          • National Housing Conference - Agenda
          • Location
          • InnoZone
          • Details for participants
      • Speakers’ bureau
        • Kevin Hughes
  • Consumers
    • Buying a home
      • Homebuying calculators
        • Mortgage calculator
        • Affordability calculator
        • Debt service calculator
      • Buying guides
        • Homebuying step by step
        • CMHC's condominium buyer's guide
      • Mortgage loan insurance for consumers
        • What is CMHC mortgage loan insurance?
        • Do I qualify for mortgage loan insurance?
        • CMHC mortgage loan insurance costs
        • CMHC's Eco Products
          • CMHC’s Eco Improvement
          • CMHC Eco Plus
        • CMHC — home renovation financing options
        • FAQs — mortgage loan insurance
        • COVID-19: understanding mortgage payment deferral
      • Incentives for homebuyers
      • Newcomers
      • The First-Time Home Buyer Incentive
        • Welcome Home!
    • Owning a home
      • Manage your mortgage
        • Mortgage fraud
        • Mortgage planning tips
        • Plan and manage your mortgage
        • Your credit report
        • Your home value
      • Aging in place
        • Housing options for Seniors
        • Housing and finance tips
        • Mortgage financing options for people 55+
        • Preventing fraud and financial abuse
    • Renting a home
      • I want to rent
        • Things to consider before renting
        • Types of housing for rent in Canada
        • Finding or advertising a rental property
        • Visiting the rental property
        • Lease and rental agreements
        • Signing the lease
        • Credit checks and bad credit
        • Rental payments and deposits
        • Roommates and pets
      • I am renting
        • Moving day
        • Landlord/Tenant responsibilities
        • Inspections
        • Maintenance and repairs
        • Complaints and evictions
        • Rent increases
        • When you can't pay rent
        • Renewing or terminating the lease
        • Moving out
      • One-Time Top-Up to the Canada Housing Benefit
      • COVID‑19: eviction bans and suspensions to support renters
  • About CMHC
    • CMHC’s goals, values and commitment to housing
    • Discover Life at CMHC
    • Management and governance
      • Speakers’ bureau
      • CMHC's Annual Public Meeting
      • CMHC’s board of directors and committees
      • Our management committee
      • Pension governance
        • Pension overview
        • Key roles and responsibilities
        • Annual reports
    • Corporate reporting
      • CMHC’s 2023 Annual Report
      • Program evaluation
      • Quarterly financial reports
      • Joint auditors special examination report to CMHC board 2018
      • CMHC’s Insured Mortgage Deferral
      • Corporate Plan Summary
      • Transparency
        • Access to information and privacy protection
        • Accessibility at CMHC
        • Accessibility feedback process
        • Briefing materials
        • Procurement
          • Vendor Diversity Program
        • Travel, hospitality and conference expenditures
    • Contact us
      • Contact mortgage loan insurance
      • Indigenous and the North Housing Solutions
      • National office
      • Regional offices
      • Granville lsland
      • Holiday service hours
  • Media Newsroom
  • National Housing Strategy
    • What is the strategy?
      • About the initiatives
      • How to apply
      • Help and resources
      • Priority areas for action
      • The National Housing Strategy Glossary of Common Terms
      • The Strategy in Action
    • Federal/Provincial/Territorial housing agreements
    • Other funding and financing opportunities
  • The Housing Observer
  • Canada’s Housing Podcast
  • Careers
  • Housing Knowledge Centre
 
  • Home
  • Professionals
  • Project funding and mortgage financing
  • Mortgage Loan Insurance Products
  • Homeowner and Small Rental Mortgage Loan Insurance
  • Save
  • Share

Homeowner and Small Rental Mortgage Loan Insurance (1 to 4 units)

Mortgage Loan Insurance Options for Lenders: Homeowner and Small Rental Loans

Our mortgage loan insurance supports lenders offering financing to clients seeking homeowner and small rental loans. As Canada’s first mortgage loan insurance provider, we bring extensive experience to the table. Rely on us to offer essential products, services and market insights to keep you informed. Trust CMHC to help you stay one step ahead.

Null

Homeowner Quick Reference Guide

Get an overview of CMHC’s homeowner mortgage loan insurance products and eligibility requirements.

Learn more
Null

Get applications approved faster

Leverage emili, our online mortgage insurance application system, to get approvals in seconds!

Learn More
 

CMHC Purchase

Enables buyers to purchase a home with a minimum down payment of 5%.

 
 

CMHC Improvement

Access more financing options for new construction and home improvements.

 
 

CMHC Newcomers

Improves housing choice for newcomers to Canada.

 
 

CMHC Self-Employed

Facilitating access to mortgage loan insurance for business owners.

 
 

CMHC Portability

Provides flexibility and financing choice for borrowers who are relocating.

 
 

CMHC Income Property

Financing options for investors in all markets.

 
 

CMHC Home Start

30-Year mortgages for first-time homebuyers of new builds.

 

Unlock Savings with CMHC’s Eco Products!

CMHC's Eco Plus and Eco Improvement products offer a 25% partial premium refund for climate-friendly housing, including energy-efficient upgrades for existing homes.

Learn More

Null

CMHC Eco Plus

Borrowers who buy or build climate-friendly housing using CMHC-insured financing can apply for a 25% partial premium refund.

Null

CMHC Eco Improvement

Eco Improvement offers a 25% partial premium refund to borrowers who buy existing homes and make energy efficient improvements.

 

Homeowner Business Transformation

See the future-ready technologies and processes that allow us to better serve you.

See our approach

Get in touch

Our Homeowner Underwriting Centre is backed by our dedicated team of professionals to provide mortgage loan, policy, and application information.

Call us at 1-888-Go-emili
(1-888-463-6454)

Contact a CMHC representative

Why Choose CMHC?

  • Leverage emili, our extensive database of over 11 million properties, to process mortgage insurance applications efficiently.
  • We enable lenders to understand and meet the evolving needs of Canadians with our products, resources and specialized training.
  • We serve Canadians by directing revenue back to the government as dividends to be re-invested for the benefit of the broader Canadian society.

Government Guarantee Parameters

Get the latest information on government guarantee parameters for mortgage loan insurance.

Learn more

Valuable Market Insights

We have the data, research and insights you need today to make sound business decisions for tomorrow.

Building under construction

March 27, 2024

A 2023 recap of new home construction trends in Canada

Discover highlights from our latest Housing Supply Report.

Bob Dugan being interviewed

April 4, 2024

2024 Housing Market Outlook

Joelle Hamilton and Bob Dugan discuss the 2024 Housing Market Outlook.

Save Icon

SAVE TO MY FOLDER

Homeowner and Small Rental Mortgage Loan Insurance

SAVE
Close this Window   |   Manage my Folder
Save Icon

SAVE TO MY FOLDER

Homeowner and Small Rental Mortgage Loan Insurance

Done Done!
Close this Window   |   Manage my Folder
Share icon

Share via

  • Facebook
  • LinkedIn
  • Mail
  • print
  • CopyLink

SuccessCopyLinkVersionLink copied

Share icon

Share via

  • Facebook
  • LinkedIn
  • Mail
  • print
  • CopyLink

SuccessCopyLinkVersionLink copied

share icon

Mail-blue Share via Email

Did You Know?

You can include an email signature?

Register | Sign In

×
Google Captcha Loader
share icon

Mail-blue Share via Email

Done Done!
Close this window

By Topic

  • Professionals
    • Project funding and mortgage financing
    • Housing markets data and research
    • Industry innovation and leadership
    • Events and speakers
  • Consumers
    • Home buying
    • Owning a home
    • Renting a home

About Us

  • CMHC's Story
  • Management and Governance
  • Our Partners
  • Corporate Reporting
  • Contact Us
  • Careers

More

  • CMHC Newsletters
  • CMHC Library
  • Housing Observer
  • Media Newsroom
  • CMHC on Twitter
  • CMHC on LinkedIn
  • CMHC on Facebook
  • CMHC on Instagram
  • CMHC on YouTube
Privacy Policy    |    Terms and Conditions    |    Transparency    |    Accessibility Plan    |    Accessibility Feedback     Canada Mortgage and Housing Corporation (CMHC) ©2024 
Canada
loader icon