CMHC Green Home
Canada Mortgage and Housing Corporation is currently funding a program called Green Home. CMHC Green Home offers a partial refund up to 25% of your premium on the cost of mortgage loan insurance to borrowers who buy, build or renovate for energy efficiency.
To be eligible, borrowers must buy, build or renovate, and finance through CMHC. Applications must be submitted within 24 months of the closing date of the mortgage and the supporting energy efficiency documentation must be no more than five years old. The refund is focused on promoting energy efficiency, while making the process of upgrades more affordable.
Homes must be inspected and assessed by an NRCan qualified Energy Advisor. The Energy Advisor will provide an EnerGuide energy rating.
Energy Advisor
ELIGIBILITY REQUIREMENTS
I’M BUYING OR BUILDING A HOME
Homes built under the following building standards are automatically eligible for a partial mortgage loan insurance premium refund:
Building Standard
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
EnerGuide GJ/Year Rating/Insurance Premium Refund
I’M BUYING A CONDO
If your building meets the LEED Canada New Construction standard (Certified, Silver, Gold or 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 Gigajoules scale |
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| If pre-retrofit rating is ≥ 200 | If pre-retrofit rating is < 200 | |||
| 15% Insurance Premium Refund | 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 decrease of 90 GJ/year, with resulting GJ/year not to exceed 250 | Minimum decrease of 45 GJ/year | ||
Energy Advisor
How it works
01
step 1
Have you purchased an existing home in the last two years?
02
step 2
Did you pay a CMHC Insurance premium?
03
step 3
Are you thinking of doing some upgrades to your house?
Get an Energy Audit and find out how you can qualify for up to 25% of that CMHC premium returned to you!
Pre home energy assessment by our energy advisor – An EnerGuide label and reports will be provided to you.
Complete eligible upgrades in your house
Post qualifying energy assessment by your energy advisor.
Submit application to CMHC/Genworth with the energy audit documentation.
Looking to apply for CMHC Green Home Refund
we are here to help you to upgrade and get rebate!
