National Residential Financial Incentives for Insulation

Energy Efficient Housing Program

Energy Efficient Housing Program

The Bank of Montreal offers low interest rates and pre-payment options on 5-year closed mortgages for energy efficient single-family homes and high-rise condominiums.

Single-family homes require 6 of the 7 energy efficient features, including good quality attic insulation (minimum RSI 8.6, R-49). High-rise condominiums do not require insulation as an energy efficiency feature.

CMHC Green Home

CMHC Green Home

Apply here: https://www.cmhc-schl.gc.ca/en/data-and-research/publications-and-reports/green-home-program-partial-premium-refund-application

Building Standard Insurance Premium Refund
R-2000 (national) 25%
Built Green™ (national) 15%
ENERGY STAR® (national) 15%
GreenHouse™ (Ontario) 15%
GreenHome™ (Yukon) 15%
LEED Canada for Homes (national) 15%
Novoclimat (Quebec) 15%
Manitoba Hydro’s New Homes Program (Manitoba) 15%
FOR HOME RENOVATIONS  
  EnerGuide rating
0-100 scale
EnerGuide rating
Gigajoules scale
If pre-retrofit rating is < 55 If pre-retrofit rating is ≥ 55 If pre-retrofit rating is ≥ 200 If pre-retrofit rating is < 200
15% Insurance Premium Refund Minimum increase of 10 points, with resulting rating of at least 60 Minimum increase of 5 points Minimum decrease of 45 GJ/year, with resulting GJ/year not to exceed 250 Minimum decrease of 20 GJ/year
25% Insurance Premium Refund Minimum increase of 20 points, with resulting rating of at least 60 Minimum increase of 10 points Minimum decrease of 90 GJ/year, with resulting GJ/year not to exceed 250 Minimum decrease of 45 GJ/year
RBC Energy Saver Loan

RBC Energy Saver Loan

The Royal Bank of Canada (RBC) offers a 1% interest rate discount or a $100 rebate on a home energy audit with a qualifying purchase through a fixed rate loan over $5,000.

RBC Energy Saver Mortgage

RBC Energy Saver Mortgage

The Royal Bank of Canada (RBC) offers a $300 rebate for a home energy audit.

Refinance your existing mortgage, purchase a home, and/or make improvements to resale properties to qualify.