APCHQ — CMHC Eco Plus

• The mortgage must be insured by CMHC (Canada Mortgage and Housing Corporation).
• The financing must be used to purchase or construct a newly built home that has never been previously occupied (including newly built condominium units under the conditions defined by CMHC).
• The home must either hold an eligible third-party energy efficiency certification listed by CMHC or meet the required EnerGuide energy efficiency target (at least 20% lower energy consumption than a typical new house, as assessed under NRCan’s EnerGuide Rating System).
• The applicant must submit the Eco Plus refund request to CMHC within 24 months (2 years) of the mortgage closing date.

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.

• 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.