MLI Select Energy Modelling Canada
Energy Modelling & Performance Attestations for CMHC-Insured Multi-Unit Projects
CMHC’s MLI Select is a mortgage loan insurance program that rewards multi-unit residential projects for commitments to energy efficiency, affordability, and accessibility.
Thrive Energy provides MLI Select energy modelling in Canada, supporting developers, owners, and lenders with performance analysis and professional attestations required to unlock reduced premiums and extended amortization periods under CMHC guidelines.
Standards & Credentials
Registered Energy Advisors – EnerGuide Rating System (NRCan)
• CMHC MLI Select – Energy Efficiency Attestation Support
• Part 3 Energy Modelling – New & Existing Multi-Unit Buildings
• National Building Code Performance Comparisons
• CSA B651-2023 – Accessibility (Visitable Dwellings)
• Energy Simulation Using CMHC-Accepted Software
MLI Select Energy Modelling in Canada
Energy efficiency commitments under MLI Select must be validated through energy modelling and professional attestation.
Thrive Energy provides:
- Energy modelling relative to National Building Code baselines
- Performance pathway analysis for new construction and existing buildings
- Coordination with architects, engineers, and lenders
- Documentation to support CMHC energy efficiency attestations
Energy Efficiency Criteria (MLI Select)
CMHC evaluates energy efficiency commitments using:
● Attestation from a qualified professional
● Third-party building standards and certifications
● Energy simulation completed with appropriate modelling software
Qualified Professionals May Include:
● Professional Engineer (P.Eng.)
● Architect
● Registered Energy Advisor
● Certified Engineering Technologist (CET)
● Certified Energy Manager (CEM)
Existing Multi-Unit Buildings – MLI Select
CSA definition of visitable – In relation to residential accommodation, any dwelling [unit] that offers a basic level of access to accommodate visitors such as people who use a wheeled mobility aid, people who are elderly, or residents who might have a temporary disability. Visitable dwellings allow a person to enter a dwelling safely, manoeuvre independently throughout the visitable level, and use the toilet facilities.
Existing properties - Insurance Flexibilities
New Construction - Point Distribution
CSA definition of visitable – In relation to residential accommodation, any dwelling [unit] that offers a basic level of access to accommodate visitors such as people who use a wheeled mobility aid, people who are elderly, or residents who might have a temporary disability. Visitable dwellings allow a person to enter a dwelling safely, manoeuvre independently throughout the visitable level, and use the toilet facilities.
New Construction - Insurance Flexibilities
1For borrowers making an affordability commitment of 20+ years, an additional 30 points are awarded
2Buildings must be 100% Visitable (CSA B651-2023 Visitability)
3Min. DCR of 1.10 for standard rental housing, 1.20 for other shelter models, 1.4 for non-residential space
FAQs
Is MLI Select available across Canada?
Yes. MLI Select applies to eligible multi-unit residential projects throughout Canada.
Is energy modelling required for MLI Select?
Yes. Energy efficiency commitments must be supported by modelling and professional attestation.
Can a project focus only on energy efficiency?
Yes. Projects may focus on energy efficiency alone or combine commitments to increase points.
Is MLI Flex still available?
No. MLI Select replaced CMHC’s MLI Flex program as of March 7, 2022.
Still have questions?
Start with MLI Select Energy Modelling
Early performance analysis helps confirm whether your project meets CMHC MLI Select energy efficiency thresholds before financing decisions are finalized.