# What are the eligibility criteria for CMHC Eco Plus?

> Homeowners must provide an EnerGuide evaluation (Level 1 and Level 2) showing the home meets specific energy targets or has been improved to achieve a reduction in energy consumption of at least 20%.

Category: Financing
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/financing/what-are-the-eligibility-criteria-for-cmhc-eco-plus

## Answer
Homeowners must provide an EnerGuide evaluation (Level 1 and Level 2) showing the home meets specific energy targets or has been improved to achieve a reduction in energy consumption of at least 20%. Applications for the 25% refund must be submitted within 24 months of the mortgage closing date. The property must be insured by CMHC, Sagen, or Canada Guaranty.

## Related guide
- https://ratellow.com/guides/renovation-financing-guide

## Sources
- CMHC Eco Plus Program — https://assets.cmhc-schl.gc.ca/sf/project/cmhc/pdfs/factsheets/new/cmhc-quick-reference.pdf
- Financing Renovations Guide — https://www.canada.ca/en/financial-consumer-agency/services/industry/laws-regulations/guideline-existing-mortgage-loans-exceptional-circumstances.html#toc3