Green Home Financing

Through our Green home Housing Program, home buyers purchasing a sustainable home or making energy and water saving renovations are now eligible for significant mortgage insurance premium savings and other benefits.

Energy and Water Efficiency in Your Home is Important

With unprecedented levels of volatility in global energy markets and an upward trend in a greener lifestyle, more and more homeowners are exploring ways to use energy and water more conservatively with eco-friendly homes.

Whether you are interested in slashing energy and water bills or are simply motivated by a greener planet, there are policy and financing initiatives available to help you achieve those goals.


  • More than 17% of energy consumed in Canada is used to run our homes
  • Buying an energy-efficient home or making energy-saving renovations can offer big savings

Green Home Purchase and Retrofit Refinance Options

We provide advice and mortgage financing options:

  • to build or purchase an energy efficient new house
  • to buy and renovate an existing property immediately following purchase
  • to renovate your current home to make it more energy efficient

TIP: check out this short guide called Homeowner’s Guide to Energy Efficiency produced by National Resources Canada and the Canadian Real Estate Association.

Depending on your situation and requirements, flexible mortgage financing is available in a single advance or via progress advances.

Important - In addition to the considerations on this page, please make sure you can mortgage-qualify under the new rules!

"To mortgage qualify, you need sufficient Income, Credit, and Equity (I.C.E.)"

Mortgage Financing Programs for Green / Eco Home Purchase or Renovations

  • Purchase Plus Improvements
  • Refinance Plus Improvements
  • Home Equity Line of Credit / Second mortgages
  • Construction Draw Mortgages
  • Green Home New Purchase

To learn more about mortgage financing programs for home renovations, click here.
To be be pre-approved for a Green Home Mortgage, please click here


Green Home Rebates and Incentives 

There are plenty of local and regional energy efficient rebates and incentives; however, Canada lags far behind some countries on a national level. That being said, there is a good amount of pressure on our governments at all levels to expand green incentive programs and the list is ever evolving.

Check out the following links to determine whether you qualify for any rebates or incentives in your region and to learn more about energy efficiency.  

Generally, to be eligible for rebates and incentives, the homeowner must prove they have complied with the program requirements. This could be as simple as proof of purchase on an applicance, purchasing a home from an approved energy-efficient building program builder, or more advance NRD pre- and post-improvement energy audits, 


Top Sustainable Home Improvements


Benefit the Planet, Save Your Money!

      1. Upgrade  to an energy efficient furnace and hot water heater

      2. Install low flow taps, shower heads, and toilets

      3. Invest in energy star rated appliances

      4. Install triple pane or argon insulated windows

      5. Upgrade to energy efficient doors

      6. Improve home insulation

      7. Consider a home energy management system (HEM)

      8. Install a grey water recycling system

        Canadian Water Use
      9. Seal any drafts and heat leaks

      10. Seal ducts and insulate pipes

      11. Put in CFL interior and LED exterior lighting

      12. Consider a rainwater collection system

      13. Explore alternate forms of energy production (solar and wind)

      14. Explore alternate forms of heating (geothermal and solar)


Sustainable Living Consultants

If you are interested in learning more about sustainable living and what projects make sense, there is a new category of specialty adviser emerging which we call a Sustainable Living Consultant that may be able to help.  


Features of Typical Green Home Builders

In Canada, there are a number of "green home" and "energy-efficient" home building standards. A resource list of these programs is included below.

The goal of these building standards is to provide best-in-class energy-efficient new home construction that include high levels of insulation, clean air features and measures to help protect the environment. This translates into energy savings, increased comfort, and a healthier environment for the homeowner.

The features most common from builder to builder are as follows:

  • High insulation levels in walls, ceilings and basements
  • High-efficiency windows and doors
  • High-efficiency heating
  • Whole-house mechanical ventilation
  • Testing to ensure minimal air leakage
  • Water-conserving fixtures

Tip: Check out this Homeowner’s Guide to Energy Efficiency (click here) published by Natural Resources Canada and the Canadian Real Estate Association.

Normally, the standards require for the home to be:

  • Constructed by trained builders who are licensed by the Government of Canada or Provincial authority
  • Evaluated, inspected and tested by an independent third-party inspector
  • Certified by the Government of Canada or Provincial authority

List of Green Home Building Programs

Important - In addition to the considerations on this page, please make sure you can mortgage-qualify under the new rules!

"To mortgage qualify, you need sufficient Income, Credit, and Equity (I.C.E.)"


As licensed professional mortgage brokers, we know exactly what it takes to qualify you for a mortgage and we do more than just get you a great mortgage at a great rate, we will show you the way, too.

Can I get a mortgage? Find out now.
Eco Friendly Home

Get in touch with us and find out how value-added refinancing could be the answer to sustainably retrofit your home without putting up big bucks upfront. Refinancing with improvements means that you can remortgage your property at it's current market value plus the value added through improvements. In the long term, smart investments in energy efficiency can turn a big profit. Learn more about financing home renovations.

If you are looking to purhase a new green home, we'd be happy to show you the way.

Home Buyer Pre-Assessment Questionnaire


Resource List

Here is a list of builders and suppliers in the Greater Calgary area

SkyFire Energy - Solar Energy Systems

Eclipse Sustainability Projects - solar energy heating systems

(more links coming)

Here is a list of builders and suppliers in the Greater Edmonton area

SkyFire Energy - Solar Energy Systems

Here is a list of builders and suppliers in the Greater Red Deer area

(links coming)

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