Upgrade your home with energy-efficient renovations using CMHC’s Eco Improvement Program.
Borrow up to 10% of your home’s value for eligible green upgrades.
Qualify for insurance premium refunds and improved financing terms.
Works for new purchases, refinances, and energy retrofit projects across Canada.
The CMHC Eco Improvement Program (formerly known as CMHC Green Home) helps Canadians reduce energy costs, improve comfort, and add long-term value through environmentally friendly upgrades.
At Citadel Mortgages, we make it easy for homeowners and buyers to access this program — combining eco-friendly mortgage financing with expert guidance to help you save money while helping the planet.
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 additional funds for energy-efficient renovations while benefiting from CMHC insurance premium refunds and favorable lending terms.
Eligible upgrades include:
✅ High-efficiency furnaces, heat pumps, and HVAC systems
✅ Energy-efficient windows and doors
✅ Insulation upgrades (attic, basement, and exterior walls)
✅ Solar panels and renewable energy systems
✅ ENERGY STAR® appliances and water-saving fixtures
💡 The more energy-efficient your home becomes, the greater your savings — both monthly and long-term.
Learn more about today’s best mortgage rates in Canada.
Today’s Mortgage Rates updated as of April 15, 2026 10:20 am
| Benefit | Description |
|---|---|
| 💰 Save Money | Lower utility bills and potential premium refunds. |
| 🏡 Increase Property Value | Energy-efficient homes appraise higher and sell faster. |
| 🔋 Improve Comfort | Enjoy consistent temperatures and better air quality. |
| 🌱 Go Green | Reduce your carbon footprint while upgrading your lifestyle. |
| 💼 Flexible Financing | Up to 10% added to your insured mortgage for upgrades. |
| Category | Eligible Upgrades |
|---|---|
| Heating & Cooling | Heat pumps, furnaces, smart thermostats |
| Insulation | Attic, wall, and basement insulation |
| Windows & Doors | ENERGY STAR® certified products |
| Renewable Energy | Solar panels, geothermal systems |
| Water Systems | Low-flow fixtures, efficient hot water systems |
💡 Citadel Mortgages ensures your upgrades meet CMHC’s eligible criteria — so you don’t miss out on your premium refund.
Here’s how the program integrates into your mortgage process with Citadel Mortgages:
Get Pre-Approved — Apply for a CMHC-insured mortgage through Citadel Mortgages.
Choose Eligible Upgrades — Work with certified contractors or energy auditors to plan your improvements.
Access Eco Funding — Borrow up to 10% of your home’s purchase or refinance amount for approved upgrades.
Complete Improvements — Finish renovations within 2 years of closing.
Submit Proof — Provide receipts or energy audit results.
Receive Premium Refund — CMHC reimburses up to 25% of your insurance premium based on efficiency results.
🏠 Citadel Mortgages guides you through every step, from audit to refund — ensuring a seamless experience.
Scenario:
You purchase a home for $600,000 with a CMHC-insured mortgage.
You choose $40,000 in energy-efficient upgrades, including windows, insulation, and solar panels.
CMHC Incentive:
Borrow the $40,000 within your mortgage.
Upon completion and verification, receive a 25% CMHC premium refund.
Save approximately $1,800–$2,500 in insurance premiums and up to $1,200/year in energy costs.
✅ Result: A more comfortable, efficient, and valuable home — and real financial savings.
To qualify, you must:
Have a CMHC-insured mortgage (purchase or refinance).
Complete upgrades within 24 months of funding.
Provide documentation showing energy efficiency improvements (e.g., EnerGuide evaluation or certified audit).
Meet CMHC’s lending and property eligibility guidelines.
💡 The program is available for single-family homes, condos, duplexes, and multi-unit properties across Canada.
Yes — refinances with CMHC insurance are eligible for eco improvement funding.
Yes — CMHC requires an EnerGuide or equivalent evaluation to confirm improvements.
Up to 10% of your property’s value for eligible energy-efficient upgrades.
Up to 25% of your CMHC insurance premium after verified improvements.
Yes — energy-efficient new constructions can also qualify.
Simplify your financial planning with our full calculator suite:
🏦 Access to CMHC, Sagen, and Canada Guaranty programs
🌱 Dedicated eco-mortgage specialists
💡 Seamless integration of green funding into your mortgage
📈 Added property value and reduced ownership costs
🤝 Trusted national brokerage with sustainability expertise
Ready to upgrade your home with energy-efficient improvements?
Citadel Mortgages can help you access CMHC’s Eco Improvement Program and guide you through every step — from pre-approval to premium refund.
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.