Province/Territory: National

Rebate Amount: Up to $5,000

Description:
Get a government rebate up to $5,000 when you have an energy evaluation done and make energy efficiency improvements to your home.

Steps to Get This Rebate:

1. Have an ecoENERGY Retrofit energy evaluation done. This evaluation must be done by an accredited energy advisor. Find an advisor in your area here.
2. Once you receive the energy evaluation report, look at the rebate guide to see how much money you can get back for the recommended home improvements.
3. Do the home improvements.
4. Get another energy evaluation done, to see how much more energy efficient your house is.
5. The energy advisor will send your final energy evaluation to Natural Resources Canada (the government department that runs the ecoENERGY Retrofit program).
6. Natural Resources Canada will send you a rebate cheque.

When the Rebate Ends:

This program is no longer accepting bookings for pre-retrofit evaluations;for more information, consult the FAQs

For More Information:

Natural Resource Canada’s residential grants website

Phone: 1-800-O-Canada ((1-800-622-6232)

Province/Territory: National

Rebate Amount: 10% discount on mortgage insurance premium + access to online discount program

Description:
Get a 10% discount on your Genworth mortgage insurance when you buy a home that has a EnerGuide rating of 77+ or R2000, or refinance your home to make energy-saving renovations. You?ll also get access to an online discount program for commonly purchased items.

Steps to Get This Rebate:

1. Either buy a home that is EnerGuide Rated 77+ or R2000, OR renovate your existing home to increase its EnerGuide rating by at least 5 points (to a minimum rating of 40).
2. Supply documentation certifying that your home meets the standards above:
   • If you’re purchasing a home, provide a copy of the first page of your EnerGuide evaluation report or R-2000 certification
   • If you’re renovating your home, provide a copy of both the pre-improvement and the post-improvement Energuide for houses evaluation report. (Find an energy advisor to do the evaluation here.)
3. Fill out the Program application form. (Get the application form here, under step number 2.)
4. Submit the documents to:

Genworth Financial Canada

2060 Winston Park Drive

Suite 300

Oakville, ON L6H 5R7

Fax: 1 877 246.5509

Attention: Finance Department – Energy Efficient Group     

When the Rebate Ends:

Ongoing

For More Information:

Genworth Financial website

Phone: 1-800-511-8888

Province/Territory: National

Rebate Amount: Not a rebate, a $24,000 forgivable loan

Description:
Get a $24,000 forgivable loan toward the construction of a rental unit in your home. Once completed, the unit must be rented out to a low-income senior, or person with a disability.

The purpose of the Residential Rehabilitation Assistance Program (RRAP) for Secondary/Garden Suites is to create affordable housing for low-income seniors and adults with a disability.

Some important things to keep in mind about the RRAP:

• Work carried out before the RRAP loan is approved is not eligible.
• You must rent the unit out to a low-income senior, or person with a disability, for 15 years
• There’s a cap on the amount of rent you can charge the tenant (for example in Ottawa the cap for a one-bedroom unit rented to one person is $815 per month)

Steps to Get This Rebate:

1. Take a look at this sample application
2. Fill out the RRAP application package
3. Make sure you have everything by looking through this checklist
4. To see all of the application documents, FAQs, and guides, go here

When the Rebate Ends:

Ongoing

For More Information:

RRAP website

List of telephone numbers for CMHC regional centres

Province/Territory: National

Rebate Amount: Approximately 1.5% for homes valued under $350,000; less for homes between $350,000 and $450,000. Homes over $450,00 don’t qualify

Description:
Get part of the GST or HST back when you build or buy a new house, or substantially renovate your house.

The following projects qualify for the rebate:

• Building a home or contracting someone to build one
• Buying a newly constructed or substantially renovated home from a builder
• Buying a newly constructed house from a builder, where you lease the land from the builder under the same agreement to buy the house
• Substantially renovating a home or building a major addition to one. (“Substantially renovating” means removing or replacing 90% or more of the interior of an existing house.)
• Rebuilding a home destroyed by fire
• Buying a share of the capital stock in a newly constructed cooperative housing project

Note that houses above $450,000 in market value (after the renovations) do NOT qualify for this rebate.

Steps to Get This Rebate:

1. Complete these forms:
   1. Construction Summary Worksheet
   2. New Housing Rebate Application For Owner-Built Houses or New Housing Rebate Application for Houses Purchased from a Builder

When the Rebate Ends:

Ongoing

For More Information:

GST/HST New Housing Rebate website

Telephone: 1-800-959-5525

Province/Territory: National

Rebate Amount: This isn’t a rebate, but a portion of the mortgage you pay is put into a fund for climate change projects.

Description:
Citizens Bank/Van City will take .1% of the mortgage payments you make each year, and invest it in a fund to fight climate change.

Steps to Get This Rebate:

1. Call 1-866-566-6651 to apply, or apply online here

When the Rebate Ends:

Ongoing

For More Information:

Climate Change mortgage website

Telephone: 1-866-566-6651

Province/Territory: National

Rebate Amount: 10% of the cost of CMHC mortgage insurance

Description:
Get a 10% refund on the cost of your mortgage loan insurance when you buy an energy efficient home, purchase a home and make energy-saving renovations, or renovate your existing home to make it more energy efficient.

You can also get extended amortization up to 40 years through this program.

For home buyers and builders, the refund and extended amortization are available for houses that:

• Are energy-efficient R-2000 models;
• Have an energy efficiency rating of 77 (on or after July 27th, 2005) or above;
• Were or will be built under a CMHC-eligible energy-efficient building program (list of programs is here); or
• the building in which the condominium unit you’re buying (on or after July 27th, 20051) is 25% more energy efficient, than if constructed to meet the requirements of the Model National Energy Code for Buildings (MNECB), you could be eligible for a 10% mortgage loan insurance premium refund and extended amortization when you use CMHC insured financing to purchase that home or condominium unit.

For home renovators, the refund is available for:

• Houses with an energy rating of less than 77 (after July 27^th, 2005). Renovations to the house must increase the house’s rating by at least 5 points and to a value of at least 40.

Steps to Get This Rebate:

1. Find out how energy efficient your house will be when it’s built, or will be after it’s renovated. Find this out from your builder or an NRCan qualified energy advisor
2. If the house doesn’t meet the required energy efficiency rating (a rating of 77 or above), do the necessary renovations to increase the rating by at least 5 points, and to a minimum rating of 40
3. Arrange for a CMHC-insured mortgage through your bank or mortgage broker
4. Do another energy assessment to confirm the increase in energy efficiency
5. Fill out the mortgage insurance refund application
6. Send the application to:

CMHC

700 Montreal Road (Suite 1000)

Ottawa, Ontario, K1A 0P7

When the Rebate Ends:

Ongoing

For More Information:

CMHC Mortgage Loan Insurance Refund website