Sep 21, 2025
CMHC Financing Updates – Boosting Multifamily Returns in 2025–2026
Lorem ipsum dolor sit amet consectetur eget est nibh amet enim nulla aliquet tristique odio tincidunt mauris lacus non nunc adipiscing venenatis magna.
Latest CMHC Changes for Multi-Unit Financing
CMHC's 2025 updates to multi-unit mortgage loan insurance premiums (effective July 2025) refine risk-based pricing while preserving advantages like higher LTV ratios and longer amortizations.
Impact on Ontario Multifamily Investors
Premium adjustments reflect loan characteristics (e.g., construction vs. refinance), with discounts for affordability, accessibility, and energy efficiency under MLI Select. Insured volumes surged in recent years, enabling competitive rates amid market softness.
Advantages for Multiplex and Conversion Projects
CMHC programs supercharge returns through lower down payments and downside protection, ideal for Ontario's multiplex focus.
Strategic Use in Current Market
In a price-softening environment, insured financing enhances scalability and security for long-term holds.
2026 Perspective
As rates stabilize, CMHC tools will support rebounding demand for multifamily assets.
Bee Equity's Expertise in CMHC Optimization
Our team structures deals to maximize CMHC benefits, delivering tailored, high-yield outcomes
