CMHC Green Home

Helping to Make Energy-Efficient Housing Choices More Affordable

CMHC Mortgage Loan Insurance helps lenders offer borrowers more affordable financing choices when purchasing an energy-efficient home or purchasing an existing home and making energy-efficient improvements.

Download Fact Sheet (PDF)

Benefits of CMHC Green Home

  • More Affordable Financing Options — A refund of up to 25% of the CMHC Mortgage Loan Insurance premium.
  • Simple Process — To obtain a refund, borrowers apply directly to CMHC at
  • Availability — The property can be located anywhere in Canada.


  • A 2-level premium refund structure that recognizes different levels of energy efficiency:
    • Level 1: 15% of the total premium paid
    • Level 2: 25% of the total premium paid
  • Available for the construction or purchase of an energy-efficient home or the purchase of an existing home where energy-efficient improvements are being made and CMHC-insured financing is being used.
  • Most new homes built under a CMHC-eligible energy-efficient building standard automatically qualify for a premium refund. For all other homes, eligibility will be assessed using Natural Resources Canada’s (NRCan) EnerGuide Rating System (ERS), either the 0-100 scale or the gigajoule scale.
  • Premium refund applications are accepted from the borrower within 2 years of the closing date of the mortgage.



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