First confirm which company insured your mortgage. Then use only that insurer's current application and gather the required EnerGuide label or approved certification. Do not assume an energy-efficient feature or renovation qualifies until the insurer confirms it.
What is the energy-efficient mortgage insurance rebate?
Canada's three mortgage default insurers publish programs that can return 25% of the mortgage insurance premium to eligible borrowers. CMHC calls its new-home option Eco Plus and its renovation option Eco Improvement. Sagen offers an Energy-Efficient Housing Program, and Canada Guaranty offers Energy-Efficient Advantage.
The refund applies to the mortgage default insurance premium associated with an insured mortgage. It is different from property insurance, utility rebates, tax credits or renovation grants.
Who may qualify in Regina?
Eligibility begins with an insured mortgage from the same insurer whose program you apply to. A newly built home may qualify through an accepted certification or qualifying energy-consumption result. The insurer may require an EnerGuide label, ENERGY STAR, R-2000, Built Green, Passive House, Net Zero or another certification it accepts.
CMHC also publishes Eco Improvement for eligible energy-efficient renovations completed after purchase. CMHC states that borrowers must have CMHC mortgage insurance, spend at least $20,000 on eligible energy improvements and submit the request within two years of closing. Sagen and Canada Guaranty have their own program rules, so do not apply CMHC's renovation criteria to another insurer.
What documents should you collect?
- Your mortgage insurer's name and reference information.
- The home's EnerGuide label or an accepted energy-efficiency certificate.
- The insurer's current application form and required borrower information.
- For an eligible CMHC renovation application, paid invoices and supporting documents for qualifying work.
- A complete copy of everything submitted and proof of submission.
EnerGuide is Natural Resources Canada's home energy rating system. A registered energy advisor evaluates the home and produces a label showing estimated energy use. The insurer—not the advisor or broker—decides whether the documentation satisfies its refund program.
How do the three insurer programs differ?
CMHC: Eco Plus covers eligible newly built energy-efficient homes, while Eco Improvement provides a route for eligible improvements after purchase. CMHC's current pages describe a 25% partial premium refund.
Sagen: its Energy-Efficient Housing Program describes a 25% refund of the Sagen mortgage insurance premium for eligible borrowers and requires its accepted certification or EnerGuide documentation.
Canada Guaranty: Energy-Efficient Advantage describes a 25% premium refund for qualified borrowers purchasing eligible newly constructed energy-efficient homes. Its current product information says a request must be submitted within 24 months of closing.
Program terms and accepted documents can change. Check the current insurer page before spending money or filing an application.
What are the practical steps to apply?
- Confirm whether CMHC, Sagen or Canada Guaranty insured your mortgage.
- Open the current program page for that insurer and check the property, timing and documentation rules.
- Gather the EnerGuide label or accepted certification and any other required records.
- Complete and submit the insurer's application through its stated method.
- Keep copies and follow up directly with the insurer if its stated processing period passes.
For planning support, review the Regina homebuying guide, compare payments using the mortgage tools, or contact Ramin before your financing is finalized.
Which details are confirmed and which require insurer approval?
Confirmed: CMHC, Sagen and Canada Guaranty currently publish energy-efficient mortgage insurance refund programs, and each describes a 25% refund for qualifying borrowers.
Requires confirmation: whether your mortgage is insured by a particular insurer, whether your home or improvements meet its current criteria, whether your documentation is acceptable, and whether your application is complete and on time. A broker can help identify the likely insurer and documents, but cannot approve the rebate.
Official program pages: CMHC Eco Products; Sagen Energy-Efficient Housing Program; Canada Guaranty Energy-Efficient Advantage.
What is the official source?
This is an original Mortgages by Ramin summary of information published by Canada Mortgage and Housing Corporation on 2025-07-11. Review the official page for complete details and current eligibility rules.
Structured answers
Frequently asked questions
Is this a rebate on home insurance?
No. It is a potential refund of part of the mortgage default insurance premium paid on an eligible insured mortgage.
How much is the energy-efficient mortgage insurance refund?
CMHC, Sagen and Canada Guaranty currently describe a 25% refund for qualifying borrowers, subject to each insurer's rules and approval.
Do all energy-efficient renovations qualify?
No. CMHC's Eco Improvement has specific insured-mortgage, spending, timing and eligible-work rules. Requirements from one insurer should not be assumed to apply to another.
What if I do not know who insured my mortgage?
Ask your lender or mortgage broker to identify the mortgage insurer before starting an application.
Is an EnerGuide evaluation always required?
Not always. Some programs accept qualifying certifications, while other applications use an EnerGuide label. Follow the current document list for your insurer and property type.
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Turn the general guidance into a Regina mortgage plan.
Ramin can review your goals, documents and timing, then explain suitable lender paths and the trade-offs that matter.
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