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CMHC/GENWORTH Green Home

Energy-efficient housing refund and savings details on mortgage loan insurance.

Energy-efficient homes can be linked to increased comfort and healthier living while improving energy efficiency reduces greenhouse gas emissions and lowers the cost of owning and maintaining your home. CMHC Green Home offers a premium refund of up to 25% to borrowers who either buy, build or renovate for energy efficiency using CMHC-insured financing.

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PARTIAL PREMIUM REFUND OF UP TO 25%

Eligible borrowers can receive a 15% or 25% refund of the CMHC premium paid. Applications are accepted from the borrower within 2 years of the closing date of the mortgage. Energy-efficiency documentation must be no more than 5 years old. Supporting documentation may be used by a subsequent purchaser

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MULTIPLE LEVELS OF ENERGY EFFICIENCY

A premium refund is available based on the level of energy efficiency achieved for the following:

Purchase of new or existing housing, including residential condominium units in low rise buildings

Homes built under a CMHC-eligible energy-efficient building standard automatically qualify for a premium refund. For all other homes, eligibility is assessed using the NRCan EnerGuide Rating System (ERS), either the 0-100 scale or the gigajoules scale 

Purchase of existing housing with improvements

The home must be assessed by a qualified energy advisor before and after the energy-efficiency improvements are made. Eligibility is based on the improvement in the energy efficiency rating which is assessed using the NRCan EnerGuide Rating System (ERS), either the 0-100 scale or the gigajoules scale.

Purchase of new or existing residential condominium units in high rise buildings

Buildings built under the LEED Canada New Construction standard (Certified, Silver, Gold and Platinum) automatically qualify for a premium refund. Buildings built to the BUILT GREEN® High Density standard (certified Gold and Platinum). For all other buildings, eligibility is based on the level of energy efficiency in the building design compared to the energy provisions of the applicable building code

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