Open
Mortgage loan insurance — standard rental housing
Mortgage insurance for standard multi-unit rental housing
Record updated
- Funding available
- Varies by project
- Deadline
- Open continuously
- Location
- Canada
- Who can apply
- See full eligibility
Overview
Mortgage loan insurance: standard rental housing provides CMHC-insured financing for borrowers seeking to build, buy or refinance standard multi-unit rental housing, with construction advances of up to 85% of lending value. Eligible activities include construction, purchase and refinancing of standard multi-unit rental properties with at least five units.
At a glance
Funding available
Varies by project
Eligible candidates
- Location
- Canada
- Eligible Industries
- All industries
- Annual revenue
- All revenue ranges
- Organisation size
- All organization sizes
- Audience
- All groups
- Legal structures
- All legal structures
Start applying for this program
Take a practical assessment to gain a clear understanding of how well this program aligns with your specific needs and long-term goals.
Availability timeline
2026
Periods: 1
Activities funded
- Building, buying or refinancing standard multi-unit rental housing.
How to apply
- Fill out a Certificate of Insurance — application form.
Processing and Agreement
- If CMHC declines an application or the lender withdraws it, CMHC retains a portion of the application fee, with a minimum of 10%, to cover the work done and resources used in processing and reviewing the application.
- CMHC retains the full application fee once a certificate of insurance is issued.
- After the Certificate of Insurance is issued, subsequent changes to the loan are subject to post-approval fees.
Official sources
Application form
Request - Certificate of InsuranceSupporting document
Required Documentation GuideOther relevant PDF
CMHC Multi-unit Fees and Premiums
Frequently Asked Questions about the Mortgage loan insurance — standard rental housing Program
What is the Mortgage loan insurance — standard rental housing?
Mortgage loan insurance: standard rental housing provides CMHC-insured financing for borrowers seeking to build, buy or refinance standard multi-unit rental housing, with construction advances of up to 85% of lending value. Eligible activities include construction, purchase and refinancing of standard multi-unit rental properties with at least five units.
What is the deadline to apply?
The program is accepting continuous intake
Who is eligible for the Mortgage loan insurance — standard rental housing program?
To be eligible for the Mortgage loan insurance — standard rental housing program, you must:
The project must have at least 5 rental units, be at least 70% residential by floor area and total loan value, and have a maximum loan-to-value ratio of 85%.
The borrower must have relevant property management competence and experience, or use a property manager with at least five years’ multi-unit property management experience.
The borrower must meet the stated net-worth and loan-guarantee requirements.
Who can I contact for more information about the Mortgage loan insurance — standard rental housing?
You can contact Canada Mortgage and Housing Corporation (CMHC).
Where is the Mortgage loan insurance — standard rental housing available?
The Mortgage loan insurance — standard rental housing program is available across Canada.
Is the Mortgage loan insurance — standard rental housing a grant, loan, or tax credit?
Mortgage loan insurance — standard rental housing is a Other Support
Who are the financial supporters of the Mortgage loan insurance — standard rental housing?
Mortgage loan insurance — standard rental housing is funded by Canada Mortgage and Housing Corporation (CMHC)