CMHC Eco Improvement

Qualifying for the Partial Premium Refund

You may qualify for a partial premium refund if you:

• have a CMHC-insured mortgage
• complete at least $20,000 in qualifying energy-efficient renovations after purchasing your home
• your improvements fall into one or more eligible categories listed below

Eligible renovation categories include:

1. Building envelope improvements
   Such as insulation, windows, doors, roofing, attic upgrades, air sealing and foundation work.
2. Mechanical system upgrades
   Including heating, ventilation, air conditioning and heat pumps.
3. Renewable energy systems
   Such as solar, wind or geothermal installations.

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.

To apply, complete the following steps:

1. confirm with your bank your mortgage is insured by CMHC
2. complete the application form and have it signed and dated by all the borrowers on the mortgage
3. gather all paid invoices confirming the completed renovations and the amount spent
4. ensure you have a void cheque in the name of one of the borrowers on the mortgage

Note: If you completed an EnerGuide evaluation after your renovations, please submit your EnerGuide Renovation Upgrade Report or EnerGuide label.

Supporting documentation period

Eligible supporting documents may be used for up to 5 years, including for subsequent purchasers.

1. Download and complete the application form.

2. Submit your completed form, renovation documentation and void cheque to CMHC:

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