CMHC Eco Improvement premium refund

Active

25% back on your CMHC mortgage insurance premium after energy renovations

Run by Canada Mortgage and Housing Corporation · verified against the official page 2026-08-23

What it pays

  • 25% of your CMHC premiumPremium refund
  • $20,000 in eligible upgradesMinimum qualifying renovation

The audit question

No audit required

An EnerGuide evaluation isn't mandatory, but submitting an EnerGuide Renovation Upgrade Report or label strengthens your claim.

Who qualifies

Buyers with CMHC-insured mortgages who complete eligible envelope, mechanical, or renewable upgrades after purchase.

Worth knowing

Often missed by recent buyers. Sagen and Canada Guaranty offer comparable programs — ask your broker.

Official program page ↗ Always confirm details there before spending — programs change faster than any tracker.