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Source verified July 9, 2026
APCHQ — CMHC Eco Plus
Partial mortgage insurance refund for new energy-efficient homes
Latest source updateLast Update: July 9, 2026Latest change: 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.View change
Latest source update
Last Update: July 9, 2026
Latest change: 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.
CMHC Eco Plus application process updated
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.
Funding available
Up to 25% of project cost
Deadline
Open continuously
Location
Canada
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
2
Validate your eligibility
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.
Official resources
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
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 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?
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:
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.
What expenses are eligible under APCHQ — CMHC Eco Plus?
Purchase or construction of a newly built home.
Purchase of a newly built condominium unit in a high-rise building.
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 or by phone at none.
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 Grant and Funding