IMPORTANT
Please note that current application processing time is approximately 8 to 10 weeks.
Apply for a 25% partial premium refund if you’re CMHC insured and buying a newly built¹ energy-efficient home. 1Newly built means a new home that has never been occupied. For a condominium unit, newly built means that the home must never have been occupied for residential purposes, except where the borrower occupied it on an interim basis before the registration of the condominium declaration or before taking possession.
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CMHC Eco Plus provides eligible homeowners in Canada with a 25% mortgage insurance premium refund when purchasing a newly built energy-efficient home. Homeowners with a CMHC-insured mortgage may qualify with an eligible energy efficiency certificate or an energy consumption rating at least 20% better than a typical new home.
If you have a mortgage insured by CMHC, you may be eligible for a partial premium rebate. Eligible properties include:
IMPORTANT
Please note that current application processing time is approximately 8 to 10 weeks.
To qualify for Eco Plus, your home must be CMHC-insured and meet energy efficiency requirements.
You may be eligible if:
Don’t have an energy efficiency certificate?
Get your home assessed by a qualified Natural Resources Canada energy advisor.
Eligible energy efficiency certifications include recognized national and provincial standards:
| 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 |
| Canada Green Building Council (CGBC) | v.4 | Gold Platinum |
LEED Building Design and Construction: Homes and Multi-Family Low-Rise |
| Canada Green Building Council (CGBC) | v.4.1 | Gold Platinum |
LEED Building Design and Construction: Residential Single Family |
| Canada Green Building Council (CGBC) | v1 Design | N/A | Zero Carbon Building Standard |
| Canada Green Building Council (CGBC) | v2 Design | Flexible Passive Renewable | Zero Carbon Building Standard |
| Canadian Home Builders Association (CHBA) | N/A | Certified | Qualified CHBA Net Zero Energy |
| Canadian Home Builders Association (CHBA) | N/A | Certified | Qualified CHBA Net Zero Energy Ready |
| Efficiency Manitoba’s New Homes Program | N/A | 25% improvement or better | Certified Energy Efficient |
| Natural Resources Canada (NRCan) | 2012 | N/A | R-2000 |
| Natural Resources Canada (NRCan) | New Homes Standard version 12.6+ | Certified |
ENERGY STAR |
| Natural Resources Canada (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 |
After closing your mortgage, CMHC-insured homeowners have up to 2 years to submit an Eco Plus refund application with the required supporting documents directly to CMHC.
If your home meets the energy efficiency requirements and you have CMHC mortgage loan insurance, you can apply for the Eco Plus refund.
IMPORTANT
Your application 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. Send us the completed and signed application form along with your home’s eligible energy certificate or report and a void cheque to:
Federal, provincial and municipal governments, as well as utilities in Canada, may offer grants and rebates for energy-efficient housing improvements.
CMHC Eco Plus is one example, offering a 25% mortgage insurance premium refund for eligible homeowners.
