# What happens if the property is sold within 2 years of closing?

> There is no specific information in the regulatory guidelines about what happens to mortgage insurance rebates or premiums if the property is sold within 2 years of closing.

Category: Strategy
Last verified: 2026-04-14
Source: https://ratellow.com/faqs/strategy/what-happens-if-the-property-is-sold-within-2-years-of-closing

## Answer
### Section Summary

- There is no regulatory guidance regarding the treatment of mortgage insurance rebates or premium refunds if a property is sold within 2 years of closing.
- CMHC Eco Plus offers a 25% premium refund for energy-efficient homes, but eligibility and refund conditions are subject to CMHC's program rules and are not guaranteed for all applicants.

## Institutional highlights
- CMHC Eco Plus: 25% premium refund for energy-efficient homes (eligibility subject to CMHC rules).
- No regulatory guidance on rebate or premium refund ownership or clawback if property is sold within 2 years.

## Related guide
- https://ratellow.com/guides/cmhc-eco-plus-rebates

## Sources
- CMHC Eco Plus Official Program Page - CMHC — https://www.cmhc-schl.gc.ca/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products/cmhc-eco-plus
- CMHC Eco Improvement Official Page - CMHC — https://www.cmhc-schl.gc.ca/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products/cmhc-eco-improvement