CMHC Guidelines for Developers:
A Comprehensive Knowledge Base
Let Stamp and Hammer help guide you through the process
Introduction
The Canada Mortgage and Housing Corporation (CMHC) is a government-backed organization that plays a pivotal role in supporting the development of accessible, affordable, and sustainable housing across Canada. Developers looking to benefit from CMHC programs must understand the requirements and best practices that enable them to design and build projects that meet high standards for accessibility, universal design, and energy efficiency.
This knowledge base provides a detailed, structured guide outlining the CMHC process, eligibility requirements, design standards, benefits, and best practices for developers.
CMHC's Role in Housing Development
CMHC administers various programs to assist developers in creating inclusive, high-quality residential projects. One of its key programs is Mortgage Loan Insurance (MLI) Select, which offers incentives to developers who integrate accessibility, affordability, and sustainability into their projects. By adhering to CMHC’s requirements, developers can access favorable loan terms, increase the marketability of their developments, and contribute to building an inclusive housing landscape. Click here for the current rates/options.
Key Benefits of CMHC’s MLI Select Program
Developers who participate in CMHC’s MLI Select program gain access to numerous advantages, including:
Preferred Financing Terms – Reduced mortgage loan insurance premiums and access to lower interest rates for eligible projects.
Enhanced Marketability – Properties designed with accessibility and sustainability in mind appeal to a broader audience, increasing demand and occupancy rates.
Regulatory Compliance & Future-Proofing – Meeting CMHC’s accessibility and sustainability standards ensures long-term compliance with evolving regulations and future housing demands.
Government and Investor Support – Sustainable and inclusive housing projects are more attractive to investors, municipalities, and government funding programs.
Higher Tenant Satisfaction & Retention – Developments incorporating universal design provide better living conditions, reducing tenant turnover and increasing long-term stability.
Potential for Additional Incentives – Developers may qualify for further financial assistance, grants, or tax incentives by exceeding minimum accessibility and sustainability requirements.
Eligibility Criteria
Developers must meet the following criteria to qualify for CMHC’s MLI Select program:
The project must be a multi-unit residential development.
Compliance with CMHC’s accessibility and universal design standards.
A commitment to sustainable and energy-efficient building practices.
Submission of required attestations and documentation confirming adherence to program guidelines.
Key Requirements for Developers
1. Accessibility & Barrier-Free Design
CMHC’s MLI Select program includes two levels of accessibility achievement. These levels define the minimum criteria developers must meet to qualify for CMHC incentives:
Level 1
All units within the project must be 100% visitable.
Common areas must be completely barrier-free, meeting CSA Standard B651:23.
At least 15% of units must be accessible or follow universal design principles.
OR the project must obtain a Rick Hansen Foundation Accessibility Certification with a score of 60-79%.
Level 2
All units within the project must be 100% visitable.
Common areas must be completely barrier-free, meeting CSA Standard B651:23.
At least 15% of units must be accessible AND 85% must be universal design.
OR 100% of units must be universal design or accessible.
OR the project must obtain a Rick Hansen Foundation Accessibility Certification Gold (80% or higher).
These standards ensure that residential buildings accommodate individuals with mobility challenges and other accessibility needs while promoting inclusivity for all residents.
2. Universal Design Principles
Universal design enhances housing accessibility by ensuring all spaces are intuitive, functional, and adaptable. Developers should implement the following key universal design elements:
Barrier-free pathways and entrances with wide, slip-resistant walkways.
Wider doorways and hallways to accommodate mobility devices.
Accessible bathrooms with curb less showers, grab bars, and reinforced walls for future modifications.
Flexible kitchen layouts with adjustable-height countertops, front-control appliances, and under-sink clearance.
Improved wayfinding with high-contrast signage, lighting adjustments, and tactile markers.
3. Sustainability and Financial Incentives
CMHC rewards developers who integrate sustainable features into their buildings. Projects that include energy-efficient appliances, water conservation systems, and sustainable building materials may qualify for better loan rates and additional incentives.
Developers should consider:
Energy-efficient HVAC systems and solar energy solutions.
Low-flow plumbing fixtures to reduce water consumption.
Smart building technologies to optimize energy usage.
Durable, eco-friendly materials that minimize environmental impact.
Step-by-Step Process for Developers
1. Planning & Design
Meet with Stamp and Hammer to review CMHC’s accessibility and sustainability requirements at the project’s outset.
Stamp and Hammer will help through the site planning phase to ensure the site planning integrates barrier-free common areas and unit accessibility features.
Stamp and Hammer will consider universal design from the beginning to avoid costly retrofits later.
3. Construction & Compliance
Implement accessibility and universal design elements per CMHC and CSA standards.
Conduct mid-construction audits to ensure compliance with attested criteria.
Maintain documentation for potential CMHC reviews and impact reporting.
2. Application & Attestation
Submit an Accessibility Criteria Attestation signed by Stamp and Hammer
Provide supporting documentation, including detailed design plans and compliance reports.
Indicate whether the project meets Level 1 or Level 2 accessibility requirements.
4. Final Approval & Benefits
Submit post-construction verification to confirm the project meets CMHC requirements.
Obtain final certification for accessibility, sustainability, and affordability.
Receive preferred financing rates and increased eligibility for further CMHC programs.
Developer's Checklist
