CMHC MLI Select Premium Calculator
CMHC mortgage loan insurance premiums for multi-unit residential financing are calculated from your loan-to-value ratio, amortization period, and MLI Select sustainability score — enter your numbers below for the same premium breakdown used inside the EVALUAITE proforma engine.
Estimated Premium
Enter your loan details to see the premium.
How the Premium Is Calculated
CMHC Standard base premium by LTV
| LTV range | Base premium |
|---|---|
| 0%–65% | 0.60% |
| 65%–75% | 1.70% |
| 75%–80% | 2.40% |
| 80%–85% | 2.80% |
| 85%–90% | 3.10% |
| 90%–95% | 4.00% |
MLI Select sustainability discount
| Sustainability score | Discount on premium |
|---|---|
| 50+ points | 10% off |
| 70+ points | 20% off |
| 100+ points | 30% off |
Amortizations beyond 25 years add a +0.25% surcharge for every extra 5-year period (e.g. a 50-year amortization adds 1.25%).
Premiums are calculated server-side using CMHC's published LTV-tiered base rates, a +0.25% surcharge per 5-year amortization period beyond 25 years, and the MLI Select sustainability discount (10% at 50 points, 20% at 70 points, 30% at 100 points) — the exact same calculator EVALUAITE's proforma engine uses for CMHC deal analysis, not a separate estimate.
By the EVALUAITE Team · Benchmarks as of 2026-08-08 · Powered by the EVALUAITE proforma engine.
Frequently Asked Questions
What is CMHC MLI Select?
MLI Select is CMHC's mortgage loan insurance program for multi-unit residential financing that rewards buildings with affordability, energy efficiency, or accessibility features. It offers lower premiums, higher loan-to-value ratios (up to 95%), and longer amortizations (up to 50 years) than CMHC's standard program, scaled to a sustainability score out of 150 points.
How much does CMHC mortgage loan insurance cost?
The base premium is tiered by loan-to-value ratio — the higher the LTV, the higher the rate. On top of that, amortizations longer than 25 years add a surcharge, and MLI Select applies a discount based on your sustainability score. Use the calculator above for an exact figure on your loan.
What is the MLI Select premium discount?
A qualifying score of 50+ points gives a 10% discount on the premium, 70+ points gives 20%, and 100+ points gives 30% — applied after the base premium and any amortization surcharge.
How does amortization length affect the CMHC premium?
Amortizations beyond 25 years add a surcharge for every additional 5-year period. A 50-year amortization, for example, carries a larger surcharge than a 30-year one, on top of the base LTV-tiered premium.
Is the CMHC premium added to my mortgage?
Yes — the premium is capitalized into the insured loan amount rather than paid upfront, so your total insured loan is your base loan plus the premium.