Open nowFederalCMHC, Sagen and Canada Guaranty

Open. All three refund 25% of the mortgage insurance premium.

Do you need an energy evaluation for this?

An EnerGuide rating is the evidence

You qualify on the strength of an EnerGuide rating rather than on a pair of evaluations.

What it is

This is the quietest live money in Canadian housing and almost nobody claims it. All three mortgage insurers refund a quarter of the insurance premium on an energy-efficient home, and all three accept the same evidence: an EnerGuide rating showing the home uses at least 20% less energy than a typical new home. One difference matters and is constantly missed — Canada Guaranty's programme is for newly built homes only, while CMHC Eco Plus and Sagen also cover existing homes. If you bought with less than 20% down in the last two years, this is worth a phone call.

Dates and status

All three live. CMHC Eco Plus and Sagen allow two years from closing; Canada Guaranty allows 24 months.

What it pays, as published

25% premium refund — CMHC Eco Plus
25% premium refund — Sagen Energy-Efficient Housing
25% premium refund — Canada Guaranty Energy-Efficient Advantage

Checked 22 Sep 2026CMHC ↗

Other federal programmes

FederalCanada Greener Homes GrantClosed. The final document deadline was 31 December 2025.Closed FederalCanada Greener Homes LoanClosed. Funding is fully committed and no further applications can be approved.Closed FederalZero-interest home energy loans in CanadaThe federal loan is gone. Three municipal loans are still running.Closed FederalCanada Greener Homes Affordability ProgramOpen. Income-tested, no-cost retrofits delivered by your province.Open now FederalOil to Heat Pump AffordabilityClosed to new applicants. 31 July 2026 was the last day to apply.Closed

CMHC Eco Plus, Sagen and Canada Guaranty

An EnerGuide rating is the evidence

What it is

Dates and status

Other federal programmes

Where to go next

Find out what your house actually costs to run.