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CMHC Eco Plus

Helping make energy-efficient and low carbon housing choices more affordable

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Get 25% of your insurance premium back with an energy efficient home

CMHC’s Eco Plus program offers a partial premium refund to homeowners who purchase climate friendly housing.

Download the application

Effective June 20, 2022, CMHC’s Green Home program is now CMHC Eco Plus.

With the new name are also enhancements to the program. Now, you can apply for a partial premium refund of 25% if you’re CMHC insured and have an energy efficient home.

CMHC Eco Plus supports CMHC's commitment to reducing the impact of housing on climate change and the Government of Canada's plan to achieve carbon neutrality by 2050. 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.

ELIGIBILITY

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.

ELIGIBLE CERTIFICATIONS (INCLUDING INDIVIDUAL RESIDENTIAL CONDOMINIUM UNITS)

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

REQUIRED AND SUPPORTING DOCUMENTATION

Make sure you keep a copy of the:

  • 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.

2-STEP APPLICATION PROCESS

IMPORTANT! Your application must be submitted within 24 months of the closing date of your mortgage.

Step 1: Download and complete the application form.

Step 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

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Date Published: June 20, 2022

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