CMHC Eco Plus
Helping make energy-efficient and low carbon housing choices more affordable
Effective June 20, 2022, CMHC’s Green Home program is now CMHC Eco Plus. With the new name are also enhancements to the program. Now, you can apply for a partial premium refund of 25% if you’re CMHC insured and have an energy efficient home.
CMHC Eco Plus supports CMHC’s commitment to reducing the impact of housing on climate change and the Government of Canada’s plan to achieve carbon neutrality by 2050. As energy efficiency standards improve, so will the criteria for the Eco Plus program. It will include more certifications and continue to align with Natural Resources Canada’s EnerGuide rating system.
To qualify, your home must meet the eligible building standards and/or the EnerGuide and EnerGuide GJ ratings.
Eligibility
CMHC is introducing new eligibility criteria including an updated and expanded list of energy efficiency certifications, and energy efficiency targets based not only on total Energy Consumption but also Greenhouse Gas Emissions (GHG).
Recognizing that, as Canadian building codes progress toward net-zero ready standards, and energy efficiency building standards evolve toward this target, the eligibility criteria may be periodically adjusted.
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Eligible Certificates
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Greenhouse Gas (GHG) Emissions*
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Energy Consumption*
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Properties awarded an eligible certificate
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Properties with tonnes/year GHG rating that fall within the top 15% of the housing stock in lowest GHG emissions rating
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Properties with a gigajoules/ year rating of at least 20% lower than “A Typical New House”
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*Eligibility is assessed using the Natural Resources Canada (NRCan) EnerGuide Rating System.
To qualify, your home must have an energy efficiency certificate or meet energy efficiency or greenhouse gas targets.
Don’t have an energy efficiency certificate? Have your home assessed by a Natural Resources Canada (NRCan) qualified energy advisor.
Required and Supporting Documentation
Make sure you keep a copy of the:
- final certificate from the list of eligible third-party certifications and/or
- EnerGuide label or EnerGuide Renovation Upgrade Report (RUR) for existing homes Supporting documentation may be used for up to 5 years, including for subsequent purchasers.
Apply for your CMHC Eco Plus premium refund
Your application must be submitted within 24 months of the closing date of your mortgage.
Step 1: Download and complete the application form (via cmhc-schl.gc.ca)
Step 2: Send CMHC the completed application form with your home’s energy certificate or report: Email: eemrefund@cmhc-schl.gc.ca | Fax: 1 800 245-9274
Mail: 700 Montreal Road (Suite 1000), Ottawa, Ontario, K1A 0P7
Candace Perko,
Mortgage Broker
