IMPORTANT
To qualify, your home must meet the eligible building standards and/or the EnerGuide and EnerGuide GJ ratings.
Apply for a 25% partial premium refund if you’re CMHC insured and buying or building an energy efficient home.
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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.
Don’t have an energy efficiency certificate? Have your home assessed by a Natural Resources Canada (NRCan) qualified energy advisor.
| Organization | Version | Level(s) | Certification Name |
|---|---|---|---|
| BC Energy Step Code | N/A | Step 2 Step 3 Step 4 |
Part 3 |
| BC Energy Step Code | N/A | Step 3 Step 4 Step 5 |
Part 9 – Detached Homes |
| Built Green Canada | 2019-2021 | Gold Platinum |
Built Green High Density |
| Built Green Canada | 2019-2021 | Gold Platinum |
Built Green Single Family |
| Canada Green Building Council (CGBC) | 2009 | Gold Platinum |
LEED Canada for Homes |
| CGBC | v.4 | Gold Platinum |
LEED Building Design and Construction: Homes and Multi-Family Low-Rise |
| CGBC | v.4.1 | Gold Platinum |
LEED Building Design and Construction: Residential Single Family |
| CGBC | v1 Design | N/A | Zero Carbon Building Standard |
| CGBC | v2 Design | Flexible Passive Renewable | Zero Carbon Building Standard |
| Canadian Home Builders Association (CHBA) | N/A | Certified | Qualified CHBA Net Zero Energy |
| CHBA | N/A | Certified | Qualified CHBA Net Zero Energy Ready |
| Efficiency Manitoba | N/A | 20% to 90% + improvement | New Homes Standard |
| Natural Resources Canada (NRCan) | 2012 | N/A | R-2000 |
| NRCan | New Homes Standard version 12.6+ | Certified |
ENERGY STAR |
| NRCan | Pilot | Certified | ENERGY STAR Multi-Family High-Rise (New Construction) |
| Ministère de l’Énergie et des Ressources naturelles du Québec | N/A | Homologué | Novoclimat for Homes |
| Ministère de l’Énergie et des Ressources naturelles du Québec | N/A | Homologué | Novoclimat for Small Multiple-Unit Buildings |
| Ministère de l’Énergie et des Ressources naturelles du Québec | N/A | Homologué | Novoclimat for Big Multiple Unit Buildings |
| Passive House Canada | 9 | Classic Plus Premium | Certified Passive House |
| Passive House Canada | 9 | Classic Plus Premium | EnerPHit Certified Retrofit |
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!
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:
Supporting documentation may be used for up to 5 years, including for subsequent purchasers.
IMPORTANT!
Your application must be submitted within 24 months (2 years) of the closing date of your mortgage.
1. Download and complete the application form.
2. Send us the completed application form with your home’s energy certificate or report:
