Mortgage Insurance Rebate
Existing Homes
Bought a Home With Mortgage Insurance? You May Qualify for a 25% Refund.
Homeowners with insured mortgages from CMHC (Eco Plus), Sagen, or Canada Guaranty can claim a partial refund — no renovations required in many cases.
📌 All it takes is an EnerGuide evaluation.
What’s the Rebate?
Up to 25% of Your Mortgage Insurance Premium Back
If you purchased a home with an insured mortgage, you may be eligible for a rebate of up to 25% of your insurance premium — just by completing a certified EnerGuide home evaluation.
✔ Available through:
CMHC Eco Plus
Sagen Energy Efficiency Rebate
Canada Guaranty Energy-Efficient Homes Program
✔ Applies to recently purchased homes
✔ Valid in BC, Alberta, and Ontario
How It Works
| Step | Description |
|---|---|
| 1️⃣ Book an EnerGuide Evaluation | We’ll inspect your home and produce a certified energy rating. |
| 2️⃣ Receive Your EnerGuide Report | This includes your home’s energy score and upgrade recommendations. |
| 3️⃣ Submit to Your Insurer | Upload your report to CMHC, Sagen, or Canada Guaranty’s rebate portal. |
| 4️⃣ Receive Your Refund | If eligible, you’ll receive a refund on part of your mortgage insurance premium. |
🕒 Most evaluations take 1–2 hours. Reports are usually ready within a few days.
Who Qualifies?
You’re likely eligible if:
You purchased your home within the last 2 years
You used CMHC, Sagen, or Canada Guaranty mortgage insurance
Your home meets or exceeds minimum energy performance thresholds
📌 Homes with efficient heating systems or basement insulation often qualify automatically — even without new upgrades.
Why Use Greener Homes Inc.?
✔ Licensed across BC, Alberta, and Ontario
✔ Fast appointment booking and reporting
✔ Experienced in working with all three insurers
✔ Clear advice and support throughout the process
Testimonials
“I had no idea I could get money back on my mortgage insurance. The evaluation was quick and paid off!”
— Sarah J., Calgary
“Greener Homes helped me qualify for the CMHC Eco Plus refund — no hassle, no stress.”
— Daniel W., Ottawa