# CMHC Eco Improvement

- Link: https://buildingexpert.ca/efficiency/cmhc-eco-improvement/
- Published: 2026-10-16T16:46:52-04:00
- Author: Gabriel Houle

![cmhc-schl](https://buildingexpert.ca/wp-content/uploads/elementor/thumbs/cmhc-
schl-q27s2p935mtjuhkols633m6yq6dlev7ftympcs0ej8.png "cmhc-schl")

# CMHC Eco Improvement

## Renovating your home? Get 25% of your CMHC premium back

Buyers who apply for a mortgage with a down payment of less than 20% of the home’s
value must obtain mortgage loan insurance.

**CMHC Eco Improvement** helps homeowners reduce the cost of energy-efficient renovations:
if your mortgage is insured by CMHC, you may receive a **25% refund of your mortgage
insurance premium** after completing at least **$20,000 in qualifying energy-efficient
renovations** following the purchase of your home.

Eligible homes include houses, condominium units and prefabricated homes.

## Am I eligible?

You may qualify if:

 * your mortgage is insured by CMHC;
 * you complete at least $20,000 in qualifying energy-efficient renovations after
   purchasing your home;
 * your renovations fall into one or more eligible categories: **building envelope**(
   insulation, windows, doors, roofing, attic, air sealing, foundation), **mechanical
   systems** (heating, ventilation, air conditioning, heat pumps) or **renewable
   energy** (solar, wind, geothermal).

## How to get your refund

You have up to **2 years after your mortgage closing date** to submit your Eco Improvement
application to CMHC, with your paid renovation invoices. If you complete an EnerGuide
evaluation after your renovations, you can include your EnerGuide Renovation Upgrade
Report or label. Our certified energy advisors can perform this evaluation.

To verify your eligibility and consult all the details, visit the [CMHC website](https://www.cmhc-schl.gc.ca/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products/cmhc-eco-improvement).

Buying a newly built home instead? See [CMHC Eco Plus](https://buildingexpert.ca/efficiency/cmhc/).

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