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  • Home
  • Professionals
  • Project funding and mortgage financing
  • Mortgage Loan Insurance Products
  • Homeowner and Small Rental Mortgage Loan Insurance
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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.

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Homeowner Quick Reference Guide

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

Learn more
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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

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CMHC Eco Plus

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

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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.

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Valuable Market Insights

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

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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.

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