Looking to buy a greener home or make your current one more energy efficient? You could qualify for a partial refund on your mortgage insurance premium — up to 25% back! Whether you're buying, building, or renovating, these three major energy-efficiency programs can help you save.

1. CMHC Eco Plus Program

What It Offers:
Get up to 25% of your CMHC insurance premium refunded when you purchase or build an energy-efficient home.

Eligibility Requirements:

• Mortgage must be insured through CMHC.
• The home must meet one of the following:
• EnerGuide rating of 82+ (pre-2015 scale)
• EnerGuide rating of 70+ (new scale, varies by province)
• Certified under Energy Star®, LEED Canada, or Built Green™
• Applies to new builds, energy-efficient renovations, or existing certified homes.

2. Sagen Energy Efficient Housing Program

What It Offers:
Receive up to 25% of your Sagen mortgage insurance premium refunded when you buy or upgrade a home to meet energy efficiency standards.

Eligibility Requirements:

• Available for both new purchases and Purchase Plus Improvements mortgages.
• Home must meet at least one of the following:
• EnerGuide rating of 82+
• Energy Star®, R-2000, or LEED certification
• Renovations must improve energy efficiency by at least 10%.
• Documentation must be submitted within 24 months of the mortgage closing date.

3. Canada Guaranty Energy-Efficient Advantage Program

What It Offers:
Get back up to 25% of your insurance premium when buying or renovating for improved energy efficiency.

Eligibility Requirements:

• Applies to both new and existing homes, including those being renovated.
• Home must:
• Achieve an EnerGuide rating of 82+
• Be built to or upgraded to meet a recognized energy-efficient building standard
• Show a minimum 10% reduction in energy use
• You must submit an energy assessment and documentation within 2 years of funding.

What You’ll Need:

To take advantage of any of these programs, you’ll typically need:

• A certified EnerGuide report or energy efficiency certification
• A post-renovation energy evaluation (if you’re upgrading)
• A completed application form (available from your broker or insurer)

Don’t Miss Out on These Valuable Rebates

These programs can mean hundreds or even thousands of dollars in savings. If you're planning to buy, build, or renovate a home in Manitoba, talk to your mortgage broker early in the process to make sure you qualify and apply on time.

Work with Manitoba’s Award-Winning Mortgage Experts

At One Link Mortgage & Financial, we’re proud to be the 2025 Regional Brokerage – Prairies Award of Excellence winner for the third year in a row, and the inaugural recipient of the Canadian Brokerage Award of Excellence. Our team is committed to helping you unlock every opportunity to save, including rebates for energy-efficient homes.

Contact us today to learn how we can help you secure the right mortgage — and the right rebate.