{"id":2758,"date":"2017-02-06T20:06:53","date_gmt":"2017-02-07T01:06:53","guid":{"rendered":"https:\/\/expertbatiment.ca\/energy-efficiency\/cmhc\/"},"modified":"2026-11-02T13:07:12","modified_gmt":"2026-11-02T18:07:12","slug":"schl","status":"publish","type":"page","link":"https:\/\/expertbatiment.ca\/en\/efficiency\/schl\/","title":{"rendered":"CMHC Eco Plus"},"content":{"rendered":"\n<p class=\"is-style-ebg-accroche wp-block-paragraph\">Save on your CMHC mortgage loan insurance premium.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buyers whose down payment is less than 20% of the property value must insure their mortgage with CMHC. To encourage the purchase and construction of energy-efficient homes, CMHC offers, through its <strong>CMHC Eco Plus<\/strong> product, a <strong>partial refund of 25% of this premium<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">New construction<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The home must be new and never occupied, and hold a recognized energy-efficiency certification, such as <a href=\"https:\/\/expertbatiment.ca\/en\/efficiency\/novo-climate\/\">Novoclimat<\/a>, or use at least 20% less energy than a typical new home according to Natural Resources Canada\u2019s <a href=\"https:\/\/expertbatiment.ca\/en\/efficiency\/energuide\/\">EnerGuide<\/a> Rating System. Novoclimat-certified homes automatically qualify for the 25% refund.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Renovating an existing home<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The 25% refund is also available, through the <strong>CMHC Eco Improvement<\/strong> product, when you buy or refinance a home (with CMHC mortgage loan insurance) and make energy-efficient improvements. The home must be evaluated by one of our advisors to establish its EnerGuide rating before and after the work (two separate visits).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In Qu\u00e9bec, the EnerGuide rating is used in the <a href=\"https:\/\/expertbatiment.ca\/en\/efficiency\/energy\/\">R\u00e9noclimat<\/a> program. You can therefore get your rating by taking part in R\u00e9noclimat and, at the same time, receive financial assistance for your energy-efficient improvements. Combining <em>R\u00e9noclimat<\/em> with <em>CMHC Eco Plus \/ Eco Improvement<\/em> can be very worthwhile.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-ebg-encadre\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\">The refund request must be submitted within two years of the mortgage closing.<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Thinking of investing in a rental building instead?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">CMHC\u2019s <strong><a href=\"https:\/\/expertbatiment.ca\/en\/efficiency\/mli-select\/\">MLI Select<\/a><\/strong> program gives owners of rental buildings flexibilities on mortgage loan insurance for the construction, purchase or refinancing of multi-unit residential buildings with 5 or more units.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To check your eligibility and find all the information about CMHC Eco Plus, visit the <a href=\"https:\/\/www.cmhc-schl.gc.ca\/consumers\/home-buying\/mortgage-loan-insurance-for-consumers\/cmhc-eco-products\/cmhc-eco-plus\">CMHC website<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Save on your CMHC mortgage loan insurance premium: 25% refunded for an energy-efficient home.<\/p>\n","protected":false},"author":9,"featured_media":18794,"parent":2731,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"eb-programme.php","meta":{"_acf_changed":false,"wpai_generated_summary":"","ebg_sum_pour":"","ebg_sum_deroulement":"","ebg_sum_obtenez":"","ebg_cta_titre":"An energy-efficient home to rate?","ebg_cta_texte":"We establish the EnerGuide rating required for your CMHC refund.","ebg_cta_bouton":"","ebg_cta_lien":"","ebg_prog_pour":"Buyers with CMHC mortgage loan insurance","ebg_prog_aide":"25% of the insurance premium refunded","ebg_prog_role":"EnerGuide rating before and after your work","ebg_prog_statut":"","ebg_prog_bouton":"","ebg_prog_lien":"","ebg_prog_source":"https:\/\/www.cmhc-schl.gc.ca\/consumers\/home-buying\/mortgage-loan-insurance-for-consumers\/cmhc-eco-products\/cmhc-eco-plus","ebg_prog_verifie":"October 2026","ebg_prog_etat":"ouvert","footnotes":""},"class_list":["post-2758","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CMHC Eco Plus: 25% premium refund | Expertb\u00e2timent<\/title>\n<meta name=\"description\" content=\"CMHC Eco Plus and Eco Improvement: 25% of your mortgage loan insurance premium refunded. 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