CMHC Insurance
Save 25% on CMHC Premiums for Green Homes
Green Home Refunds
CMHC Eco Products
Get a partial refund on your CMHC mortgage insurance premium when you buy, build, or renovate an energy-efficient home.
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Eco Plus: 25% premium refund for buying or building a green home ​
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Eco Improvement​: 25% premium refund for green renovations on existing homes
CMHC Eco Plus
Previously known as the Green Home program, CMHC's Eco Plus offers a 25% premium refund for purchasing or constructing a green home.
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Both new and existing homes can qualify.
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What counts as a green home?​​​
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To qualify as green, your home must meet at least one of the following criteria:
- Meets Step Code 3, 4 or 5
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Has another eligible certificate​​​​
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GHG emissions are within the bottom 15%
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Requires an Energuide evaluation​​
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Energy use at least 20% lower than “A Typical New House”
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Requires an Energuide evaluation​
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IMPORTANT: Application must be submitted within 24 months of the closing date of the mortgage​​
CMHC Eco Improvement
CMHC's Eco Improvement program offers a 25% premium refund for purchasing an existing home with intent to complete $20,000 of green renovations
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What counts as a green renovation?​​​
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Your renovation must include at least $20,000 of work across three categories:
- Building envelope (insulation, windows, doors, roof, attic, air tightness and foundation)
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Mechanical systems (HVAC - Heating, Ventilation and Air Conditioning, heat pump systems)​​
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Renewable energy systems (solar, wind, geothermal)​​
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Renovations are also eligible for up to $40,000 of interest-free financing through the Canada Greener Homes Loan
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IMPORTANT: Application must be submitted within 24 months of the closing date of the mortgage
$40,000 Interest-Free
Greener Homes Loan
Interest-free loans of up to $40,000 are available from the Government of Canada to help homeowners pay for the cost of renovations.
The Canada Greener Homes Loan works alongside the existing provincial rebate programs.
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With a 10 year, interest-free repayment term, homeowners may opt in to the loan when pursuing retrofits like insulation, heat pumps, solar panels, and more.
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Energy advisors play a key part in the delivery of the loan.
Booking an energy evaluation is a requirement to qualify for the loan.
How can we help?
Interested in combining provincial rebates with the new
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