As of June 20, 2022, CMHC’s Green Home program is CMHC Eco Plus.
This new name comes with enhancements that benefit homeowners like you. You can apply for a partial premium refund of 25% if you’re CMHC insured and have an energy efficient home.
As energy efficiency standards improve, so will the criteria for the Eco Plus program. It will include more certifications and continue to align with Natural Resources Canada's EnerGuide rating system.
IMPORTANT
To qualify, your home must meet the eligible building standards and/or the EnerGuide and EnerGuide GJ ratings.
CMHC is introducing new eligibility criteria including an updated and expanded list of energy efficiency certifications, and energy efficiency targets based not only on total Energy Consumption but also Greenhouse Gas Emissions (GHG).
Recognizing that, as Canadian building codes progress toward net-zero ready standards, and energy efficiency building standards evolve toward this target, the eligibility criteria may be periodically adjusted.
Eligible Certificates
Greenhouse Gas (GHG) Emissions*
Energy Consumption*
Properties awarded an eligible certificate
Properties with tonnes/year GHG rating that fall within the top 15% of the housing stock in lowest GHG emissions rating
Properties with a gigajoules/year rating of at least 20% lower than “A Typical New House”
*Eligibility is assessed using the Natural Resources Canada (NRCan) EnerGuide Rating System.
To qualify, your home must have an energy efficiency certificate or meet energy efficiency or greenhouse gas targets.
After closing your mortgage, eligible borrowers have 2 years to submit the refund request, along with the necessary supporting documentation, directly to CMHC. It's easy, convenient and hassle-free!
How to Get Your Premium Refund
If your home meets the energy efficiency requirements and you have CMHC mortgage loan insurance, you can apply for the Eco Plus refund.
Make sure you have the following documentation:
final certificate from the list of eligible third-party certifications and/or
EnerGuide label or EnerGuide Renovation Upgrade Report (RUR) for existing homes
Time limit for the eligible supporting documentation
Supporting documentation may be used for up to 5 years, including for subsequent purchasers.
Mail: 700 Montreal Road (Suite 1000), Ottawa, Ontario, K1A 0P7
Why You Should Apply for CMHC Eco Plus
Save on Your Insurance Premium Receive a partial refund of 25% on your CMHC insurance premium when you buy or build an energy efficient home.
Contribute to a Sustainable Future Take an active role in reducing housing's impact on climate change while lowering your energy costs.
Flexibility in Financing Finance the purchase or construction of an energy-efficient home using CMHC-insured financing (purchase or build). Or apply within 2 years of your mortgage closing date.
Straightforward Application Process Apply for the Eco Plus premium refund by completing the application form and submitting it with the necessary supporting documentation directly to CMHC.
Grant and Rebate Options for Energy Efficiency
Federal, provincial and municipal governments and local utilities may offer grants and rebates for energy-saving renovations. For example, CMHC Eco Plus offers a premium refund of 25%. You may be eligible if you buy, build or renovate for energy efficiency using CMHC-insured financing.
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