Services
Expertises
Resources
Who we are
CMHC - Eco Plus - Canada
Open

Source change captured:

CMHC - Eco Plus

Partial mortgage insurance refund for new energy-efficient homes
Funding available
Up to 25% of project cost
Deadline
Open continuously
Location
Canada
Who can apply

Homeowners with CMHC-insured mortgage financing.

See full eligibility

Overview

CMHC Eco Plus offers a 25% refund on CMHC mortgage loan insurance premiums for eligible homeowners in Canada buying a newly built energy-efficient home. Eligible homes include newly built homes, high-rise condominium units and prefabricated homes, with certified options and an EnerGuide target 20% better than a typical new home.
/100
Opportunity Score
Moderate potential, but conditions must align.

At a glance

Funding available

Financing goals
  • Implement environmental initiatives
  • Obtain certifications or accreditations
  • Reduce environmental footprint
Eligible Funding
  • Up to 25% of project cost

Eligible candidates

Eligible Industries
  • All industries
Location
  • Canada
Legal structures
  • All legal structures
Annual revenue
  • All revenue ranges
Organisation size
  • All organization sizes
Audience
  • Canadians

Next Steps

1
Determine your project

Availability timeline

2026
Periods: 1

Activities funded

  • Purchase or construction of a newly built home.
  • Purchase of a newly built condominium unit in a high-rise building.

Documents Needed

  • Completed application form signed and dated by all borrowers.
  • Eligible final certificate, or EnerGuide Label or EnerGuide Renovation Upgrade Report.
  • Void cheque or equivalent.

Sources and recorded changes

Source change captured
Change recorded
Record updated

A captured source change or record update does not confirm eligibility. Check the funder’s current rules before applying.

CMHC Eco Plus application process updated

CMHC Eco Plus now shows a new step-by-step application process, updated document requirements, and a shorter processing time estimate of 8 to 10 weeks.

The CMHC Eco Plus program page now shows a step-by-step application process: confirm insurance with your bank, complete the form, have all borrowers sign and date it, obtain the eligible certificate or energy consumption rating, and include a void cheque. The page also now says current processing time is approximately 8 to 10 weeks, compared with the earlier 24-week delay notice. Eligibility scope is now presented as available to eligible homeowners in Canada and explicitly includes newly built homes, high-rise condo units, and prefabricated homes. The supporting materials and instructions now emphasize the signed application form plus supporting documents, while the 25% refund rate remains unchanged.

Official page

CMHC Eco Plus

Application form

CMHC Eco Plus

CMHC Eco Plus

Eligibility

Who is eligible?

  • Homeowners with CMHC-insured mortgage financing.

How to apply

  • Confirm with your bank that your mortgage is insured by CMHC.
  • Download and complete the application form.
  • Have the application signed and dated by all borrowers on the mortgage.
  • Obtain a copy of your eligible certificate or your energy consumption rating, and ensure you have a void cheque in the name of one borrower.
  • Send the completed and signed application form, supporting energy efficiency document, and void cheque to CMHC by email, fax, or mail.

Processing and Agreement

  • Once processed, CMHC contacts you by phone or email with the status of your application.
  • Possible results include Approved – EFT being sent; Missing documentation; or Declined – not eligible.
  • CMHC may conduct verification to ensure all Eco Plus obligations have been met.
  • CMHC may withhold or deny any rebate, and misrepresentation may result in disqualification and recovery of funds.

Additional information

  • Current application processing time is approximately 8 to 10 weeks.
  • For BC Step Code, a Compliance Report is acceptable.

Contacts

Add helloDarwin as a preferred source on Google

Frequently Asked Questions about the CMHC - Eco Plus Program

What is the CMHC - Eco Plus?

CMHC Eco Plus offers a 25% refund on CMHC mortgage loan insurance premiums for eligible homeowners in Canada buying a newly built energy-efficient home. Eligible homes include newly built homes, high-rise condominium units and prefabricated homes, with certified options and an EnerGuide target 20% better than a typical new home.

How much funding can be received?

CMHC - Eco Plus Funds up to 25% of admissible expenses.

What is the deadline to apply?

The program is accepting continuous intake

Who is eligible for the CMHC - Eco Plus program?

To be eligible for the CMHC - Eco Plus program, you must: Mortgage financing must be insured by CMHC. The home must be newly built and energy efficient. The application must be submitted within 24 months of mortgage closing.

Who can I contact for more information about the CMHC - Eco Plus?

You can contact Canada Mortgage and Housing Corporation (CMHC) by email at eemrefund@cmhc-schl.gc.ca.

Where is the CMHC - Eco Plus available?

The CMHC - Eco Plus program is available across Canada.

Who are the financial supporters of the CMHC - Eco Plus?

CMHC - Eco Plus is funded by Canada Mortgage and Housing Corporation (CMHC)