The CMHC Green Home Mortgage Loan Insurance Premium Refund offers up to 25% in mortgage premium rebates to promote energy efficiency and make the process of upgrading Canadian homes more affordable.

Note: CMHC refunds are calculated as a portion of the mortgage insurance premium

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Additional Information

Eligibility

You must fulfill the following requirements to qualify for the CMHC Green Home Mortgage Loan Insurance Premium Refund:

For your home to be eligible, it must be built or renovated to CMHC-eligible energy-efficient building standard. Some of the homes built in recent times comply with these standards and as such automatically qualify for this program.
For a home to be eligible for the premium refund, it has to meet the eligibility standards using the NRCan EnerGuide Rating System (ERS), either the gigajoule scale or the 0-100 scale.

Info: An EnerGuide rating expresses a home’s energy performance level.
An Energy Advisor specializes in accurately calculating a home’s EnerGuide rating by assessing the energy performance level right on-site.
Homes that don’t meet the eligibility guidelines will undergo assessment by an accredited NRCan Energy Advisor prior to making any energy upgrades, and then A SECOND TIME when you have completed the required upgrades.

To Get This Refund

In order to fully qualify for the Green Home premium refund, the Energy Advisor working with you will provide a formal EnerGuide energy rating and you must achieve the following:

If your EnerGuide Rating was greater than or equal to 200 GJ/year, you must decrease it by at least 90 GJ/year.

On the other hand, if your pre-retrofit EnerGuide Rating was less than 200 GJ/year, you must reduce it by at least 45 GJ/year.

Steps to Apply

Complete the pre-renovation EnerGuide home evaluation before you begin your energy efficiency upgrades.
Complete the necessary upgrades.
Complete a post-renovation EnerGuide home evaluation after you have completed all recommended efficiency upgrades.
Ensure you meet the required ratings
Complete and submit the paper application form by fax or mail. Find the address at bottom of the application form.
Applications are usually processed in 6 weeks. If you qualify for the refund, a cheque is mailed directly the address you provided.