CMHC's Eco Improvement

Qualifying for the Partial Premium Refund

We believe in rewarding homeowners who take eco-conscious steps. To be eligible for Eco Improvement you must:

• be a homeowner with CMHC-insured financing
• allocate a minimum of $20,000 for energy-efficiency improvements that fall within any of these 3 categories:
• Building envelope (e.g., insulation, windows, doors, roof, attic, air tightness and foundation)
• Mechanical systems (e.g., HVAC - Heating, Ventilation and Air Conditioning, heat pump systems)
• Renewable energy systems (e.g., solar, wind, geothermal)

By purchasing an existing home and completing energy efficiency improvements, you not only increase the value of your property but also become part of the solution in reducing housing's impact on climate change.

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 Improvement refund.

Make sure you have documentation to show the renovations you’ve completed, such as:

• paid invoices confirming completed measures and amount spent
• EnerGuide Renovation Upgrade Report and EnerGuide Label (if available)

Time limit for the eligible supporting documentation

Supporting documentation may be used for up to 5 years, including for subsequent purchasers.

1. Download and complete the application form.

2. Send us the completed application form with your home’s energy certificate or report:

• Email: eemrefund@cmhc-schl.gc.ca
• Fax: 1 800 245-9274
• Mail: 700 Montreal Road (Suite 1000), Ottawa, Ontario, K1A 0P7