Energy Efficient Housing Program

Rewards home buyers purchasing energy-efficient homes or making energy saving renovations with significant savings.
A silhouette of a home in a dark sky

Help the Environment While Your Customers Save

This program offers a refund of 25% (including applicable provincial sales tax) of the mortgage insurance premium for borrowers purchasing an energy-efficient home or making energy-saving renovations.

Standard Premium Rate Chart

LTV Ratio Premium Rate Top-Up Premium
Up to 65% 0.60% 0.60%
65.01% - 75% 1.70% 5.90%
75.01% - 80% 2.40% 6.05%
80.01% - 85% 2.80% 6.20%
85.01% - 90% 3.10% 6.25%
90.01% - 95% 4.00% 6.30%


  • Available on all mortgage insurance products

Note: If the loan was received by Sagen prior to June 20, 2022, the loan may be eligible under the previous program criteria.

To apply for the Energy-efficient rebate, please complete the online application and upload the required documentation electronically or download and complete the PDF version. Submit the document by mailing or faxing your completed application, along with the required documentation to:

2060 Winston Park Drive
Suite 300
Oakville, ON L6H 5R7

Attention: Finance Department – Energy Efficient Group

Underwriting Policies and Standards thumbnail with Sagen logo

Learn more about this program in the Underwriting Policies & Standards (UPS)

View Energy-Efficient Housing Program in UPS