Access CMHC’s Eco Improvement Program for green home upgrades in BC.
Borrow up to 10% of your home’s value for energy-efficient renovations.
Get up to 25% premium refund after approved improvements.
Combine with CleanBC and BC Hydro rebates for maximum energy savings.
British Columbia homeowners can take advantage of the CMHC Eco Improvement Program to lower utility bills, boost home comfort, and increase property value — all while helping the environment.
At Citadel Mortgages, we simplify the process for BC homeowners to finance eco-friendly renovations under their mortgage. Our team helps you combine CMHC-insured lending with local programs like CleanBC and BC Hydro Home Renovation Rebates — giving you maximum financial and environmental returns.
This guide focuses on helping you navigate the Canadian mortgage market, offering insights into current rates, strategies for securing the best deal, and regional trends.
Mortgage brokers play a pivotal role in helping Canadians find tailored financing options, providing expert advice, and navigating the often complex mortgage market.
For more detailed information on mortgage types, costs, and rights, consult the Government of Canada – Financial Consumer Agency of Canada (FCAC).
The CMHC Eco Improvement Program allows you to add funds to your mortgage for approved energy-efficient home improvements.
When upgrades are verified, you can receive up to a 25% refund on your CMHC insurance premium.
Eligible upgrades include:
✅ Heat pumps and high-efficiency HVAC systems
✅ ENERGY STAR® windows and doors
✅ Enhanced insulation and air sealing
✅ Solar panels and renewable energy systems
✅ Smart thermostats and energy-efficient lighting
💡 Your home becomes more comfortable, your bills go down, and your property value goes up.
Learn more about today’s best mortgage rates in Canada.
Today’s Mortgage Rates updated as of April 15, 2026 12:31 pm
| Program | Provider | Incentive | Details |
|---|---|---|---|
| CleanBC Better Homes Program | Province of BC | Up to $10,000 | Rebates for heat pumps, insulation, and windows. |
| BC Hydro Home Renovation Rebate | BC Hydro | $500–$2,000 | Rebates for HVAC, insulation, and energy audits. |
| FortisBC Rebate Program | FortisBC | Up to $3,000 | Rebates for efficient natural gas heating and hot water systems. |
💡 Citadel Mortgages helps BC homeowners combine CMHC funding with these rebates for maximum total savings.
| Benefit | Description |
|---|---|
| 💰 Save on Utility Bills | Reduce your home’s energy consumption. |
| 🏡 Boost Property Value | Green homes sell faster and appraise higher. |
| 🌱 Protect the Environment | Lower your carbon footprint with modern upgrades. |
| 🧾 Get Rewarded | Earn up to 25% back on your CMHC premium. |
| 💼 Flexible Funding | Borrow additional funds for green improvements. |
| Category | Eligible Improvements |
|---|---|
| Heating & Cooling | Heat pumps, high-efficiency HVAC, smart thermostats |
| Windows & Doors | ENERGY STAR® triple-pane windows, air-sealed doors |
| Insulation | Attic, exterior wall, crawl space, and basement |
| Renewable Energy | Solar panels, geothermal systems |
| Lighting & Water | LED upgrades, low-flow systems, efficient fixtures |
💡 Citadel Mortgages ensures every upgrade meets both CMHC and CleanBC eligibility.
Apply with Citadel Mortgages — Get pre-approved for a CMHC-insured purchase or refinance.
Plan Your Upgrades — Work with qualified contractors or energy advisors.
Borrow Additional Funds — Up to 10% of your property’s value for approved eco upgrades.
Complete Your Renovations — Finish projects within 2 years and provide an EnerGuide report.
Receive Your Refund — CMHC provides up to 25% premium refund upon verification.
🏡 Citadel Mortgages ensures your upgrades qualify under both CMHC and BC provincial rebate programs.
Scenario:
Home price: $850,000
Eco upgrades: $50,000 (heat pump + windows + insulation)
CMHC insurance premium refund: 25% = $2,400 refund
CleanBC + BC Hydro rebates: $6,000+ combined
Energy savings: ~$1,200/year
✅ Result: Over $8,000 in combined benefits and lower monthly bills — with an upgraded, high-value property.
Yes — Citadel will help you apply for both provincial and national incentives.
Yes — an EnerGuide evaluation before and after renovations is required
Yes — you can borrow up to 10% of the property’s value for approved improvements.
Yes, if upgrades are within your unit (not strata common areas).
Typically 4–8 weeks after proof of completed improvements.
Simplify your financial planning with our full calculator suite:
🏦 Access to CMHC, Sagen, and Canada Guaranty programs
🌱 Experts in green and energy-efficient mortgages
💡 Integration with BC Hydro and CleanBC incentives
📈 Add property value while saving on costs
🤝 Trusted national brokerage serving all BC regions
Upgrade your home and start saving energy and money today.
Citadel Mortgages helps you unlock CMHC Eco Improvement Program benefits and stack provincial rebates for maximum return.
Looking to finance energy-efficient home upgrades in Canada?
Citadel Mortgages helps homeowners in Ontario and British Columbia access the CMHC Eco Improvement Program, supporting eco-friendly renovations and energy-efficient improvements through eligible mortgage financing.