What is the MLI Select program?

It's a CMHC mortgage loan insurance program offering financing benefits (premium reduction, extended amortization, advantageous loan-to-value ratio) to owners of rental buildings with 5 or more units who commit to affordability, energy efficiency, and/or accessibility.

Do I need an energy audit for every points tier?

You're not required to pursue the energy category — you can combine only affordability and accessibility. However, energy is often the most accessible way to earn additional points for an existing building.

What's the difference between requirements for new construction and existing buildings?

New construction must demonstrate a 20% to 40% improvement over reference codes, while an existing building must reduce its current consumption by 15% to 40%.

Why is the September 30, 2026 deadline important?

After that date, new construction files will be evaluated under the NBC 2020 / NECB 2020 standards, which are more demanding than the current standards — potentially making certain points tiers harder to reach for a project already in design.

Who can produce the energy efficiency certification required by CMHC?

A qualified professional with energy modelling experience, using approved simulation software, in accordance with MLI Select's Required Documentation Guide.

How much does an energy audit for MLI Select cost?

The cost varies depending on the size of the building, the number of units, and the building's complexity (new construction or existing building). Contact us for a personalized quote.

Consultant

MLI Select Energy Audit Saint-Jérôme

Energy audit and modelling for the CMHC MLI Select program.

Consultant

In Saint-Jérôme, part of the North Shore / Laurentians area, our certified inspectors and engineers deliver this service directly to local owners, buyers, and condo boards — with the same rigorous process and detailed reporting offered across Greater Montreal.

Are you an owner, developer, or investor of a rental building with 5 or more units in Montreal? The MLI Select program from the Canada Mortgage and Housing Corporation (CMHC) can give you access to a mortgage loan insurance premium reduction of up to 30%, a loan-to-value ratio of 95%, and amortization of up to 50 years — provided you demonstrate sufficient energy performance.

Radar Inspection performs the energy audit and modelling required to support your application.

Request your free quote — 514-550-2444 | info@radarinspection.com

What the service includes

Preliminary project analysis and targeted points tier
Building data collection (plans, systems, envelope, consumption history)
Energy modelling using CMHC-recognized software
Comparison against applicable reference standards (NBC/NECB)
Production of the energy efficiency certification
Support integrating the certification into your financing file

Consultant

How the MLI Select Points System Works

The program evaluates your project across three categories — affordability, energy efficiency, and accessibility — and awards cumulative points based on the commitments made. Three tiers determine the benefits obtained:

50 points — 10% premium discount
70 points — 20% premium discount, amortization up to 45 years
100 points — 30% premium discount, amortization up to 50 years

Energy Performance Targets

New construction: 20% to 40% improvement in energy performance compared to reference standards (National Building Code and National Energy Code for Buildings)
Existing buildings: 15% to 40% reduction in energy consumption compared to the building's current state

Our Role

Producing the energy efficiency certification — performed by a qualified energy modelling professional, using recognized simulation software — which determines how many points your project earns in the energy category.

An Important Regulatory Change to Watch

Since March 2022, MLI Select has replaced the former MLI Flex program. In addition, CMHC has announced a transition of the reference codes used for energy certification: files using the NBC 2015 / NECB 2017 standards will no longer be accepted after September 30, 2026. After that date, all new construction files will be evaluated under the more demanding NBC 2020 / NECB 2020 standards, making the 100-point tier harder to reach. If your project is in preparation, it may be worthwhile to finalize your file before this deadline.

Why Radar Inspection

Reduce your mortgage loan insurance premiums by 10% to 30% depending on the tier reached
Access extended amortization (up to 50 years), significantly improving your cash flow and debt coverage ratio
Obtain an advantageous loan-to-value ratio of up to 95%
Combine energy points with the affordability and accessibility categories to maximize your financing tier
Document your project with a rigorous report required by lenders and CMHC
Anticipate the September 30, 2026 deadline to benefit from the currently applicable reference standards