Register | Recover Password

Mortgage Options & Ontario Incentives

Making the choice to buy an energy efficient home will save you more than just money on your energy consumption! With a huge push from the Province and the Country towards finding sustainable solutions, your commitment to a shared vision will not go unrewarded.



With more than 17% of the energy consumed in Canada being used to run our homes, buying an energy-efficient home or making energy-saving renovations can offer big savings!

A 10% CMHC mortgage loan insurance premium refund, and a premium refund for a longer amortization period (if applicable) may be available when you use CMHC insured financing to purchase an energy-efficient home or make energy-saving renovations.

For more information on how to take advantage of this offer, please visit the CMHC website HERE



Genworth Financial Canada wants to help protect the environment and support consumers as they make environmentally friendly choices. Through their Energy-Efficient Housing Program, home buyers purchasing an energy-efficient home or making energy saving renovations are now eligible for significant premium savings when Genworth insurance is obtained.

 Consumer Benefits

  •     A 10% refund of the Genworth mortgage insurance premium
  •     Refund of any extended amortization insurance premium surcharge (Stipulations apply)
  •     Access to Genworth’s Homebuyer Privileges™, an exclusive on-line discount program
  •     Enhanced qualifying: Debt Servicing Ratios can be calculated using reduced heating costs

For more information on how to take advantage of this offer, please visit the Genworth website HERE



With TD Canada Trust’s Green Mortgage, you are provided with a discounted rate of 1% lower than the posted 5-year fixed mortgage rate. In addition, when you buy CSA® approved solar panels or make ENERGY STAR® certified purchases, TD offers a cash rebate of up to 1% on the cost of a mortgage, or on the fixed portion of your Home Equity Line of Credit (HELOC). For every Green Mortgage, TD will also make a $100 donation to TD Friends of the Environment Foundation!

For more information on this mortgage option, please visit the TD Canada Trust website HERE



BMO Eco Smart Mortgage offers a mortgage rate at 4.74% (As of April 2015 – subject to change) on a 5-year fixed mortgage for energy efficient homes. To qualify, your home must meet the requirements outlined in the BMO Eco Smart Mortgage checklist as confirmed by a third party appraiser (or energy auditor) arranged by BMO.

For single family homes, including townhouses (condo or freehold), your home will need 6 out of 7 features to qualify:

  • High efficiency heating system
  • High efficiency air cooling system or no air cooling system
  • Good quality attic insulation
  • ENERGY STAR® qualified windows with no cracks or air gaps
  • ENERGY STAR qualified hot water system or solar or tankless hot water system
  • ENERGY STAR qualified doors with no cracks or air gaps
  • At least three ENERGY STAR qualified major appliances

For more information on this mortgage, please visit the BMO website HERE



Choose the RBC Energy Saver Loan and you’ll receive 1% off the loan interest rate or a $100 rebate on a home energy audit on a fixed rate instalment loan over $5,000 when you purchase eligible products or services  services.  Loans range from 5 to 10 years with NO early re-payment charges!

For more information on this Loan , please visit the RBC website HERE




Ontario is a leader in encouraging micro energy generation projects. The FIT program (Feed-In-Tariff) pays you for power you generate privately. After your personal energy consumption needs are met, any surplus power you have generated gets fed back into the power grid, and in turn you will get paid a very respectable rate. If you lack the funds to get set up, leasing programs are available!

For more information on this program, please visit the website HERE



A great opportunity to maximize your energy-efficiency savings with these great incentives on heating and cooling, peak-saver thermostats and other coupons!

For more information on all the coupons & incentives available, visit the website HERE



Incentives available to Ontario builders in the Enbridge Gas Distribution franchise area. The Savings by Design program offers support and financial incentives during the design, construction and commissioning stages of your projects.

For more information on this incentive, visit the website HERE