Claims
CMHC Insurance can help you manage your residential mortgage lending business. When a borrower default occurs, we work with you to help minimize the loss and help manage the risk.
For CMHC insured homeowner loans approved through emili, in the event of a claim, CMHC will pay 100% of eligible claims costs*. CMHC’s on-line claims submission system, emiliCLAIMS, provides a fast, simple and secure way to submit homeowner claims. Our knowledgeable and experienced CMHC Claims Officers are available to work with you throughout the claims process — from submitting a claim to the claim settlement.
*Provided clear and marketable title to the property can be conveyed, the approved lender has conducted enhanced due diligence when requested by CMHC and there is no evidence of misrepresentation by the lender or their staff.
Multi-Unit Properties
Real estate entrepreneurs occasionally encounter problems such as temporary high vacancies, deterioration of the property, or the property does not generate sufficient income to support their mortgage payments or to cover the cost of necessary repairs.
To prevent an actual or potential default on the mortgage, CMHC works with Approved Lenders to find solutions that work for all parties.
Assistance with Default Management and Claims Inquiries
For general inquiries, CMHC Client Service Agents are available to assist you from 6:30 a.m. EST to 11:00 p.m. EST, Monday to Friday and 8:30 a.m. to 7:00 p.m. EST Saturday. For more complex or file specific inquiries, a CMHC Claims and Default Officer is available to serve you from 8:00 a.m. EST to 6:00 p.m. EST Monday to Friday. CMHC Claims Payment Centre 1-866-358-9999.
Training
CMHC offers comprehensive training to Approved Lenders covering CMHC’s default management tools and more. To arrange for training, contact your CMHC Account Manager, Client Relations.
Properties for Sale
This section contains listings of multi-unit residential properties for sale through real estate agents and through CMHC's Request for Proposal Process.