Groupe CMi Experts-Conseils
MLI Select Program
Groupe CMi Experts-Conseils
Is Your Residential Building Eligible for 50-Year CMHC Financing?
The CMHC MLI Select program allows eligible residential property owners in Montréal and across the province of Quebec to obtain 50-year financing rather than 25, cutting monthly payments by approximately 50%. Groupe CMi carries out the required energy efficiency assessment to confirm your eligibility, remotely, anywhere in Quebec.
Groupe CMi Experts-Conseils
A Standard Mortgage Can Cost More Than It Should
The MLI Select program is not reserved for new construction. Existing buildings may also be eligible, provided that a CMHC-compliant energy efficiency assessment is carried out by qualified engineers. That is precisely what Groupe CMi handles for its clients in Greater Montréal and across Quebec.
Groupe CMi Experts-Conseils
What the MLI Select Program Changes in Practice
50-Year Financing Instead of 25
Monthly payments reduced by approximately 50%
Expanded Eligibility
Approximately 90% of Quebec’s residential market can qualify
No On-Site Visit Required
The mandate is carried out entirely remotely
Applicable To Refinancing Projects
Not only new construction
Groupe CMi Experts-Conseils
How Groupe CMi Structures Your MLI Select File
Obtaining CMHC approval is not something you can improvise. Every step of the mandate must meet precise technical requirements. A single gap in the file is enough to delay or jeopardize eligibility. Here is how Groupe CMi manages your project from the initial assessment through to final submission.
Step 1
Initial Building Assessment
Groupe CMi analyzes the characteristics of your residential building to determine its potential eligibility for the MLI Select program. This preliminary assessment is conducted remotely, without an on-site visit, based on the technical data you provide.
Step 2
CMHC Eligibility Criteria Verification
The program requires specific energy performance thresholds. Our engineers verify whether your building meets them, or identify the adjustments needed to comply, before producing a single official document.
Step 3
Energy Efficiency Assessment Report
The report is drafted according to the exact standards required by CMHC for the MLI Select program. It is signed by an engineer who is a member of the Ordre des ingénieurs du Québec (OIQ), which is a non-negotiable condition for the validity of the file.
Step 4
Delivery of the Complete File
You receive a structured file, ready to be submitted to your financial institution or mortgage broker. Groupe CMi ensures that every documentary criterion is met to maximize your chances of approval on the first submission.
Groupe CMi Experts-Conseils
Why Entrust Your MLI Select File to Groupe CMi
Three elements separate an approved MLI Select file from a returned one: signatory certification, documentary rigour, and precise knowledge of the program’s rules.
Certified Engineers, Recognized Files
Reports compliant with CMHC documentary requirements
OIQ engineer’s signature included in every mandate
Novoclimat accreditations recognized in the industry
Remote Service — All of Quebec, No Exceptions
Available in every city in Quebec
Turnaround times unaffected by distance
Direct communication with the engineer responsible for your file
In-Depth Knowledge of Program Rules
Active monitoring of updates to CMHC eligibility criteria
No grey areas left unresolved in the file
Direct experience on energy efficiency refinancing projects in Quebec
