IMPORTANT
Current application processing time is approximately 8 to 10 weeks.
Apply for a partial premium refund of 25% if you’re CMHC insured and making energy efficient renovations to your recently purchased home.
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CMHC Eco Improvement helps homeowners in Canada reduce the cost of energy efficient renovations. It provides a 25% refund on their mortgage insurance premium. If you have a CMHC insured mortgage, you may be eligible after completing at least $20,000 in qualifying upgrades following your home purchase.
A wide range of CMHC-insured homeowners can apply. This includes those with eligible condominium units and prefabricated homes.
IMPORTANT
Current application processing time is approximately 8 to 10 weeks.
You may qualify for a partial premium refund if you:
Eligible renovation categories include:
By completing eligible upgrades, homeowners may qualify for a 25% mortgage insurance premium refund, while also improving home comfort, reducing energy use, and lowering greenhouse gas emissions.
After closing your mortgage, CMHC-insured homeowners have up to 2 years to submit an Eco Improvement refund application with the required supporting documents directly to CMHC.
To apply, complete the following steps:
Note: If you completed an EnerGuide evaluation after your renovations, please submit your EnerGuide Renovation Upgrade Report or EnerGuide label.
Eligible supporting documents may be used for up to 5 years, including for subsequent purchasers.
IMPORTANT
Applications must be submitted within 2 years of your mortgage closing date. Current processing times are approximately 8 to 10 weeks.
1. Download and complete the application form.
2. Submit your completed form, renovation documentation and void cheque to CMHC:
