Energy-efficient housing refund and savings details on mortgage loan insurance.
Energy-efficient homes can be linked to increased comfort and healthier living while improving energy efficiency reduces greenhouse gas emissions and lowers the cost of owning and maintaining your home.
CMHC Green Home offers a premium refund of up to 25% to borrowers who either buy, build or renovate for energy efficiency using CMHC-insured financing.
Homes built under the following building standards are automatically eligible for a partial mortgage loan insurance premium refund:
15% Premium Refund
25% Premium Refund
Built Green™ (National)
ENERGY STAR® (National)
GreenHouse™ (ON)
GreenHome™ (YK)
LEED Canada for Homes (National)
Novoclimat (QC)
Power Smart for New Homes (MB)
R-2000
Homes NOT built under an eligible building standard must be assessed by a NRCan qualified energy advisor and have a rating that complies with the following requirements:
EnerGuide Rating 0-100 Scale
Rating 82 - 85
Rating 86 - 100
EnerGuide Rating Gigajoules per year Scale
Rating of at least 15% lower than “A Typical New House”
Rating of at least 40% lower than “A Typical New House”
NRCan is introducing updates to the EnerGuide rating scale. During the transition period, provinces and territories will continue to use the 0-100 scale until they are ready to adopt the new gigajoules per year scale.
Download the Green Home application form to apply by mail (PDF). *Important: To use this interactive PDF, right click (Ctrl + click on Mac) the link to save the file, and then open it in Adobe Acrobat.
Condominium units in high rise buildings built to the LEED Canada New Construction standard (Certified, Silver, Gold and Platinum) automatically qualify for a 15% premium refund.
You may also be eligible if your building meets the following criteria:
15% Premium Refund
25% Premium Refund
The building is designed to be 20% more energy-efficient than compliance with the applicable building code
The building is designed to be 40% more energy-efficient than compliance with the applicable building code
Download the Green Home application form to apply by mail (PDF). *Important: To use this interactive PDF, right click (Ctrl + click on Mac) the link to save the file, and then open it in Adobe Acrobat.
If you purchase an existing home and make energy-efficient improvements you may be eligible for a CMHC Green Home premium refund*. To qualify, your home must be assessed by a Natural Resources Canada (NRCan) qualified energy advisor before and after the energy efficiency improvements are made.
NRCan is introducing updates to the EnerGuide rating scale. During the transition period, provinces and territories will continue to use the 0-100 scale until they are ready to adopt the new gigajoules per year scale.
If your province has NOT adopted the new rating scale:
If Pre‐retrofit rating ≤55**
Increase rating by 10 points
Increase rating by 20 points
If Pre‐retrofit rating ˃55
Increase rating by 5 points
Increase rating by 10 points
If your province has adopted the new rating scale:
If pre‐retrofit rating is 200 GJ/year or higher***
Decrease by 45 GJ/year
Decrease by 90 GJ/year
If Pre‐Retrofit rating is lower than 200 GJ/year
Decrease by 20 GJ/year
Decrease by 45 GJ/year
Download the Green Home application form to apply by mail (PDF). *Important: To use this interactive PDF, right click (Ctrl + click on Mac) the link to save the file, and then open it in Adobe Acrobat.
*CMHC mortgage loan insurance premium refunds remain available to borrowers that used CMHC financing for a refinance of an existing home where energy-efficient improvements were made.
**To be eligible, the post retrofit energy evaluation must achieve a minimum rating of 60.
***To be eligible, the post-retrofit energy evaluation must achieve an EnerGuide rating of no higher than 250 GJ/year.
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