CMHC Eco Plus
Run by Canada Mortgage and Housing Corporation
CMHC Eco Plus pays buyers of new homes for home energy upgrades across Canada; amounts vary by upgrade.
Up to
25% refund of your CMHC mortgage insurance premium
Verified
You apply on cmhc-schl.gc.ca
At a glance
| Maximum amount | 25% refund of your CMHC mortgage insurance premium |
|---|---|
| Funding type | Rebate |
| Status | Open |
| Who can apply | New builds |
| Energy assessment required | Not stated by the program |
| Income-tested | No |
| Deadline | No end date published |
| Where | Canada |
| Level | Federal |
| Run by | Canada Mortgage and Housing Corporation |
| Official page | cmhc-schl.gc.ca/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products/cmhc-eco-plus |
| Last verified | |
| Verified by | Rebate Researcher, RebateHub |
| Confidence | HighEvery figure matches the official program pages. |
CMHC Eco Plus. RebateHub.ca, https://rebatehub.ca/rebates/ca-cmhc-eco-plus#key-facts. Last verified October 12, 2026. Official source: https://www.cmhc-schl.gc.ca/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products/cmhc-eco-plus
What you can get
| Upgrade | What you get | Up to |
|---|---|---|
| Newly built energy-efficient home with CMHC-insured mortgage25% of the insurance premiumValue depends on mortgage size and premium rate. | 25% of the insurance premium | Varies |
How it works
If you buy a never-occupied, energy-efficient home (including a new condo unit or a prefabricated home) with a CMHC-insured mortgage, you can ask CMHC to refund 25% of your mortgage loan insurance premium.
The home needs either an eligible certification (such as ENERGY STAR, R-2000, LEED, CHBA Net Zero, Built Green, Novoclimat, Passive House or certain BC Energy Step Code levels) or an EnerGuide rating at least 20% better than a typical new home.
You must apply within two years of your mortgage closing. On a typical insured mortgage the refund can amount to a few thousand dollars, depending on the size of the premium.
Who qualifies
- Mortgage insured by CMHC (confirm with your lender)
- Home is newly built and has never been occupied (new houses, condo units, prefabricated homes)
- Home holds an eligible energy-efficiency certification or an EnerGuide rating at least 20% better than a typical new home
- Application submitted within 2 years of the mortgage closing date
How to apply
Step 1: Confirm with your lender that your mortgage is CMHC-insured
Step 2: Obtain the home's eligible certificate or EnerGuide rating (usually from the builder)
Step 3: Complete the CMHC Eco Plus refund form, signed by all borrowers, and attach a void cheque
Step 4: Submit by email, fax or mail as instructed on CMHC's site; processing takes roughly 8 to 10 weeks