CMHC Green Home offers a partial refund on the cost of mortgage loan insurance. Buy, build or renovate for energy efficiency and you may be eligible for a refund of up to 25% of your premium.
Check if you’re eligible
I’M BUYING OR BUILDING A HOME
Homes built under eligible building standards
Building Standard
Insurance Premium Refund
R-2000 (national)
25%
CHBA Net Zero Ready and Net Zero Homes
25%
Built Green™ (national)
15%
ENERGY STAR® (national)
15%
GreenHouse™ (Ontario)
15%
GreenHome™ (Yukon)
15%
LEED Canada for Homes (national)
15%
Novoclimat 2.0 (Quebec)
15%
Efficiency Manitoba’s New Homes Program (Man.)
15%
Homes not built under eligible building standards
If your home isn’t built to eligible building standards, have it assessed by a Natural Resources Canada (NRCan) qualified energy advisor.
Your advisor will measure your home’s efficiency using one of two EnerGuide scales: the 0-100 scale or the gigajoules (GJ) per year scale.
EnerGuide 0-100 Rating
Insurance Premium Refund
82-85
15%
86-100
25%
EnerGuide GJ/Year Rating
Insurance Premium Refund
At least 15% lower than “A Typical New Home”
15%
At least 40% lower than “A Typical New Home”
25%
I’M BUYING A CONDO
If your building meets the LEED Canada New Construction standard (Certified, Silver, Gold or Platinum) or BUILT GREEN® High Density standard (certified Gold and Platinum), you automatically qualify for a 15% refund.
If your building is designed to be 20% more energy-efficient than compliance with the energy provisions of the applicable building code, you may be eligible for a 15% refund.
If your building is designed to be 40% more energy-efficient than compliance with the energy provisions of the applicable building code, you may be eligible for a 25% refund.
I’M RENOVATING A HOME
If you purchase an existing home and make energy-efficient improvements you may be eligible for a CMHC Green Home premium refund.
Before and after you make the improvements, have your home assessed by a Natural Resources Canada (NRCan) qualified energy advisor.
Your advisor will measure your home’s efficiency using one of two EnerGuide scales: the 0-100 scale or the gigajoules (GJ) per year scale.
EnerGuide rating
0-100 scale
EnerGuide rating
Gigajoules scale
If pre-retrofit rating is < 55
If pre-retrofit rating is ≥ 55
If pre-retrofit rating is ≥ 200
If pre-retrofit rating is < 200
15% Insurance Premium Refund
Minimum increase of 10 points, with resulting rating of at least 60
Minimum increase of 5 points
Minimum decrease of 45 GJ/year, with resulting GJ/year not to exceed 250
Minimum decrease of 20 GJ/year
25% Insurance Premium Refund
Minimum increase of 20 points, with resulting rating of at least 60
Minimum increase of 10 points
Minimum decrease of 90 GJ/year, with resulting GJ/year not to exceed 250
Monitor our most recent
Done!
Share via Email
