Upgrade your Ontario home with CMHC’s Eco Improvement Program.
Borrow up to 10% of your home’s value for energy-efficient renovations.
Receive up to 25% CMHC premium refund after certified upgrades.
Combine with Ontario rebates like Enbridge and Save on Energy for even greater savings.
Ontario homeowners can now take advantage of CMHC’s Eco Improvement Program to make their homes more energy-efficient — while saving money and increasing property value.
At Citadel Mortgages, we help Ontario homeowners and buyers access this program seamlessly. Our team guides you through every step, from applying for CMHC-insured financing to completing your upgrades and claiming your insurance premium refund.
When paired with provincial incentives like Enbridge Home Efficiency Rebates Plus (HER+) and Save on Energy programs, you can maximize your renovation budget and long-term savings.
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 homeowners to borrow extra funds for energy-efficient home improvements under their mortgage while earning up to 25% back on CMHC premiums once upgrades are complete.
Eligible upgrades include:
High-efficiency furnaces, air conditioners, and heat pumps
ENERGY STAR® windows and doors
Improved insulation and air sealing
Solar panels and renewable energy systems
Water-saving and smart home technologies
💡 The more energy-efficient your home becomes, the more you save — monthly and over the lifetime of your mortgage.
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 | Benefit | How It Works |
|---|---|---|---|
| Enbridge Home Efficiency Rebate Plus (HER+) | Enbridge + NRCan | Up to $10,000 | Complete qualifying energy upgrades with certified contractors. |
| Save on Energy | IESO (Ontario) | $250–$1,200 | Rebates for heat pumps, smart thermostats, and efficient lighting. |
| Canada Greener Homes Loan | Federal | Up to $40,000 | Zero-interest loan for home energy improvements. |
💡 Citadel Mortgages helps you stack CMHC and Ontario incentives for maximum funding and savings.
| Benefit | Description |
|---|---|
| 💰 Lower Monthly Costs | Reduce energy bills with efficient systems. |
| 🏡 Increase Property Value | Energy-efficient homes sell faster and for more. |
| 🌱 Go Green | Contribute to a sustainable Ontario housing market. |
| 💼 Flexible Financing | Borrow up to 10% extra under your mortgage. |
| 🧾 Get Rewarded | Receive up to 25% premium refund after verified upgrades. |
| Category | Examples of Eligible Improvements |
|---|---|
| Heating & Cooling | Heat pumps, high-efficiency furnaces, ENERGY STAR® ACs |
| Windows & Doors | Triple-pane and ENERGY STAR® models |
| Insulation | Attic, exterior, and basement upgrades |
| Renewable Energy | Solar panels, geothermal systems |
| Water Systems | Efficient hot water systems, low-flow fixtures |
💡 Citadel Mortgages ensures all upgrades align with CMHC and Ontario rebate eligibility rules.
Apply through Citadel Mortgages — get pre-approved for a CMHC-insured mortgage.
Select Eligible Improvements — work with approved contractors to identify qualifying upgrades.
Add Eco Funds — borrow up to 10% of your property value for improvements.
Complete and Verify Upgrades — finish renovations within 2 years and complete an EnerGuide audit.
Claim Your Refund — CMHC provides a refund of up to 25% of your insurance premium once the upgrades are verified.
🏡 Citadel Mortgages manages every step — from approval to refund submission — so you can focus on your home.
Scenario:
Home purchase: $700,000
Energy-efficient upgrades: $50,000 (new windows, HVAC, and insulation)
CMHC insurance premium refund: 25% = ~$2,100 refund
Annual energy savings: $1,000+ per year
✅ Result: A warmer, quieter, more efficient home — and thousands saved long-term.
Yes — you can refinance with a CMHC-insured mortgage to include eco upgrades.
Yes — an EnerGuide evaluation or equivalent is required before and after renovations.
Absolutely — Citadel helps you stack multiple programs to maximize total savings.
Up to 10% of your property’s value for approved improvements.
Within 24 months of funding.
Simplify your financial planning with our full calculator suite:
🏦 Access to CMHC, Sagen, and Canada Guaranty programs
🌱 Specialists in energy-efficient mortgage solutions
💡 Integration with Ontario rebate programs
📈 Add value and reduce costs simultaneously
🤝 Trusted national brokerage serving all of Ontario
Whether you’re purchasing, refinancing, or upgrading your Ontario home, Citadel Mortgages can help you access the CMHC Eco Improvement Program and maximize your rebate opportunities.
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.