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APCHQ — CMHC Eco Plus
Refunds part of mortgage insurance for energy efficient new homes
Last Update: June 19, 2026
Funding available
Up to 25% of project cost
Timeline
- Open continuously
Location
Canada
Overview
CMHC Eco Plus offers a 25% refund on CMHC mortgage loan insurance premiums for eligible borrowers purchasing or building a newly built energy-efficient home. The program aims to encourage high energy efficiency in new residential construction by supporting homes that hold an approved energy performance certification or meet the EnerGuide-based energy consumption target.
/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
Timeline
- Open continuously
Eligible candidates
Eligible Industries
- Construction
- Real estate and rental and leasing
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
2
Validate your eligibility
Activities funded
- Purchase of a newly built residential property that meets recognized high energy-efficiency standards.
- Construction of a newly built residential property designed and certified to high energy-efficiency performance levels.
- Acquisition of a newly built condominium unit that holds an eligible energy-efficiency certification.
- Financing of a newly built energy-efficient home through a CMHC-insured mortgage.
- Energy-efficiency upgrades to a home when carried out using CMHC-insured financing and meeting the program’s performance target.
Documents Needed
- Completed application form
- Final energy efficiency certificate or EnerGuide report
- Void cheque or equivalent for direct deposit
Official resources
Eligibility
Eligible geographic areas
- Businesses and borrowers located anywhere in Canada, as the program is administered by the Canada Mortgage and Housing Corporation (CMHC), a federal Crown corporation.
How to apply
1
Verify eligibility conditions
- Confirm that your home is newly built and meets the required energy efficiency standards or eligible certifications
- Ensure your mortgage loan is insured by CMHC for the purchase or construction of the home
- Have your home assessed by a Natural Resources Canada (NRCan) qualified energy advisor if you do not have an energy efficiency certificate
2
Plan application timing
- Wait until after the closing of your CMHC-insured mortgage before applying
- Note that you must submit your Eco Plus refund application within 24 months (2 years) of the mortgage closing date
- Plan your application timing while considering the current minimum processing delay of 24 weeks
3
Collect required documents
- Obtain the final energy efficiency certificate from the list of eligible third-party certifications, if applicable
- Gather your home’s EnerGuide label or EnerGuide Renovation Upgrade Report (RUR), if available
- Keep your mortgage closing information readily accessible for the application form
4
Complete application form
- Download the CMHC Eco Plus premium refund application form from CMHC
- Complete all required sections accurately, including borrower, property and mortgage details
- Attach copies of your energy efficiency certificate and/or EnerGuide documents as instructed
5
Submit your application
- Submit the completed application form and supporting documents by email to eemrefund@cmhc-schl.gc.ca, by fax to 1-800-245-9274, or by mail to 700 Montreal Road (Suite 1000), Ottawa, Ontario, K1A 0P7
- Ensure the application is sent within 24 months of your mortgage closing date
- Keep confirmation of your submission (email, fax receipt or mailing proof) for your records
6
Await refund decision
- Allow for a minimum processing time of 24 weeks due to high application volumes
- Monitor any follow-up requests from CMHC and respond promptly if additional information is needed
- Wait for CMHC to review your file and issue the 25% premium refund if approved
Processing and Agreement
- Applications are processed by CMHC after submission.
- Applicants are contacted by phone or email with the result.
- Possible outcomes include approved, missing documentation, or declined.
- CMHC may verify compliance and withhold or deny the refund.
Additional information
- As of July 8, 2025, the program will be restricted to newly built homes that have an energy efficiency certificate or rating.
- Eligibility is assessed using Natural Resources Canada’s EnerGuide Rating System, including a target of at least 20% lower energy consumption than a typical new house.
- There is a stated processing delay of at least 24 weeks due to a high volume of applications.
- The program recognizes a defined list of third-party energy efficiency certifications (such as LEED, ENERGY STAR, Novoclimat, Passive House, and others) for newly built properties.
Contacts
Frequently Asked Questions about the APCHQ — CMHC Eco Plus Program
What is the APCHQ — CMHC Eco Plus?
CMHC Eco Plus offers a 25% refund on CMHC mortgage loan insurance premiums for eligible borrowers purchasing or building a newly built energy-efficient home. The program aims to encourage high energy efficiency in new residential construction by supporting homes that hold an approved energy performance certification or meet the EnerGuide-based energy consumption target.
How much funding can be received?
APCHQ — CMHC Eco Plus Funds up to 25% of admissible expenses.
Who is eligible for the APCHQ — CMHC Eco Plus program?
To be eligible for the APCHQ — CMHC Eco Plus program, you must:
Must use CMHC-insured financing for the home purchase or construction.
Purchased property must be a newly built energy-efficient home meeting eligible certifications or EnerGuide targets.
What expenses are eligible under APCHQ — CMHC Eco Plus?
Purchase of a newly built residential property that meets recognized high energy-efficiency standards.
Construction of a newly built residential property designed and certified to high energy-efficiency performance levels.
Acquisition of a newly built condominium unit that holds an eligible energy-efficiency certification.
Financing of a newly built energy-efficient home through a CMHC-insured mortgage.
Energy-efficiency upgrades to a home when carried out using CMHC-insured financing and meeting the program’s performance target.
Who can I contact for more information about the APCHQ — CMHC Eco Plus?
You can contact Association des professionnels de la construction et de l’habitation du Québec (APCHQ) by email at eemrefund@cmhc-schl.gc.ca.
Where is the APCHQ — CMHC Eco Plus available?
The APCHQ — CMHC Eco Plus program is available across Canada.
Is the APCHQ — CMHC Eco Plus a grant, loan, or tax credit?
APCHQ — CMHC Eco Plus is a Other Support