CMHC Eco Plus: 2026 Green Mortgage Rebate Guide — EnerGuide Tiers, Eligibility & Premium Savings
Qualification requires a formal EnerGuide evaluation by a licensed energy advisor — no home qualifies automatically based on age or construction type alone.
Both new construction and existing homes that have completed qualifying energy retrofits are eligible, provided they achieve the required EnerGuide rating threshold.
The Canada Greener Homes Loan (Natural Resources Canada) was discontinued in 2024 and is no longer an active program — Eco Plus remains the primary federal green mortgage incentive in 2026.
Buyers have 24 months from their mortgage closing date to submit their Eco Plus application and EnerGuide documentation to CMHC.
Higher Ratings, Higher Rebates: Homes rated EnerGuide 86–89 qualify for an increased rebate tier, and homes rated EnerGuide 90 or above qualify for the maximum refund level available under the program.
Mandatory EnerGuide Evaluation: Qualification is never automatic — your home must be assessed by a licensed energy advisor who issues an official EnerGuide rating before CMHC will process your rebate.
New Builds and Existing Homes Both Qualify: The program covers newly constructed homes that achieve the required EnerGuide rating, as well as existing homes that have undergone qualifying energy retrofit upgrades.
Expert Research FAQ
What are the eligibility thresholds for CMHC Eco Plus in 2026?
Can lenders integrate the Eco Plus rebate upfront at funding?
How does Eco Plus impact the 30-year amortization for first-time buyers?
What happens if the property is sold within 2 years of closing?
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