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APCHQ — CMHC Eco Plus
Refunds part of mortgage insurance for energy efficient new homes
Last Update: March 6, 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
- Obtain certifications or accreditations
- Reduce environmental footprint
Eligible Funding
- Up to 25% of project cost
Timeline
- Open continuously
Eligible candidates
Eligible Industries
- Real estate and rental and leasing
Location
- Canada
Legal structures
- Public or Parapublic institution
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.
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.
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
Here are answers to the most common questions about the APCHQ — CMHC Eco Plus. This section explains what the program is, how much funding is available, eligibility requirements, application deadlines, and other important details to help you determine if this grant is right for your business.
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