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Homeowner Business Transformation (HBT)

Modernizing homeowner mortgage loan insurance with future-ready technologies and processes that allow us to better serve Canadians.

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The Homeowner Business Transformation (HBT) is a multi-year project aimed to modernize CMHC’s homeowner mortgage loan insurance business while building a strong foundation for the future. We are exploring various means to enhance the way we work…from the technologies we use, to the way we interact with you.

Insurance Servicing Tools

  • Default Management Request Submission Tool
  • Homeowner Claims Submission Tool
  • Arrears Report Upload Tool
  • User Access Management

As we work towards the development and release of these insurance servicing tools, we aim to offer you a centralized one-stop-shop for all your servicing needs. CMHC’s existing mortgage servicing systems, processes and tools, including emiliCLAIMS, e-mail, fax or vault submission options, will remain enabled throughout this transitional period.

Transactional Insurance — Coming soon

As part of a future release of the Homeowner Business Transformation we are planning to improve client experience through transformed system-to-system lender interactions and a new lender platform for transactional mortgage loan insurance application submissions.

Stay tuned for further updates!

Portfolio Insurance — Coming soon

Some of the work we are planning will include enhancing the digital experience for our clients by modernizing tools and processes associated with underwriting of portfolio/bulk insurance.

Stay tuned for further updates!

Through this transformation, we look to offer:

  • Improved user experience through client-centric digital design and capabilities.
  • Enhanced ability to accommodate your specific needs including improved insight into mortgage portfolio.
  • Increased speed with continued consistency and confidence in decision making and overall processes.
  • Minimized disruption, enhanced support and more nimble adaptation in times of regulatory changes.

Have additional questions or comments?

Please contact us via email hbtlenders-preteurstopo@cmhc-schl.gc.ca

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Date Published: November 10, 2023

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