Energy-Efficient
Housing Program

Consumer Benefits:

• A 10% refund of the Genworth Canada mortgage insurance premium 
• Enhanced qualifying: Debt Servicing Ratios can be calculated using the estimated reduced heating costs as per the energy efficiency evaluation report 
• Available on all Genworth Canada mortgage insurance products 

Mortgage Insurance Premium Refund Example:

$300,000 mortgage @ 95% LTV	Premium Payable*
Standard Premium (95% LTV = 3.60%)	$10,800
Energy-Efficient Premium Refund (10%)	($1,080)
Total Premium	$9,720

* Mortgage Insurance Premium does not include any applicable provincial sales tax

Loan Purpose:

• Purchase (New Construction or/ Existing Home)
• Purchase Plus Improvements or Refinance with Improvements (Where the improvements are being made to make the home more energy-efficient and are funded through a Genworth Canada insured mortgage)

How to Get Your Refund:

Getting your energy-efficient refund is as easy as 1-2-3:

1) Satisfy our eligibility requirements below:

• Purchasing a new or existing home*:
  • Built under a Genworth Canada qualifying energy efficient building program (to view the current list, browse to the bottom of this page or simply click here) or
  • Meet the minimum EnerGuide rating as per the table below:

    Closing Date	Minimum EnerGuide Rating
    On or after January 1, 2013	82
    From January 1, 2011 to December 31, 2012	80
    On or before December 31, 2010	77

• For high-rise condominium units, the building in which the unit is being purchased must be:
  • Registered with the Canada Green Building Council or LEED© certified or
    
    • If closing date is before January 1st, 2013 the building must be:
      • 25% more energy efficient than Canada’s Model National Energy Code for Buildings
    • If closing date is on or after January 1st, 2013 the building must be the greater of:
      • 5% more energy efficient than provincial/territorial requirements (if applicable), or
      • 20% more energy efficient than the model National Energy Code for buildings
• Renovating an existing home (Purchase Plus Improvements or Refinance
  with Renovations)*:
  • Obtain a Genworth Canada insured mortgage to make energy-efficient improvements
  • Certify that energy-efficient improvements have been made to increase its EnerGuide rating by at least five points to a minimum rating of 40
• *The home being purchased or renovated must be Genworth-insured and funded on or after January 1, 2005

2) To apply for the Energy Efficient Rebate please select one of the following options below:

• Complete the Online application and upload the required documentation electronically
  OR
• Download and complete the PDF version and submit by mailing or faxing your completed application, along with the required documentation (see below) to:

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

  Fax: 1 877 246.5509
  Attention: Finance Department - Energy Efficient Group

Documentation requirements to accompany application form:

• Purchasing a new or existing home:

  • Provide a copy of the first page of your energy efficiency evaluation report or R-2000 certification or
  • Provide documentation certifying your home was built under a Genworth Canada qualifying energy efficient building program

  For high-rise condominiums, provide a copy of the building's LEED ® - Certification or confirmation that the project has been registered** with the Canada Green Building Council or

  Confirmation from the builder that the condominium is 25% more energy efficient than Canada’s Model National Energy Code for Buildings if closing date is before January 1st 2013. If closing date is on or after January 1st 2013, confirmation that the building is the greater of 5% more energy efficient than provincial/territorial requirements (if applicable) or 20% more energy efficient than the model National Energy Code for buildings

• Renovated existing homes:

  Provide a copy of both the pre-improvement and the post-improvement energy efficiency evaluation report (For an EnerGuide rating please refer to a licensed energy advisor)

  To contact an Energy Advisor click here.

Refunds are processed and mailed within 30 business days of receipt of application. Genworth Canada must receive all mortgage insurance premiums and fees prior to issuing the premium refund.

Genworth Canada Eligible Energy-Efficient Building Programs:

• R-2000 (National)
• LEED® Canada for Homes
• Built Green ™ (Alberta and British Columbia) - Platinum Label Homes (Note: Gold, Silver, and Bronze label homes are only eligible if they receive an EnerGuide rating indicating they meet Genworth’s minimum score based on the property’s closing date*)
• Novoclimat™ (Quebec):
  • Novoclimat Program – Applicable to homes that closed on or before
    December 31, 2013
  • Novoclimat Program 2.0 – Applicable to homes that closed on or after
    January 1, 2014
• EnergyStar® (National)
• Greenhouse™ (Ontario)
• Power Smart™ (Manitoba)
• Power Smart™ (British Columbia)
• GreenHome (Yukon)

* Please refer to the EnerGuide rating table listed in the “How to get your refund” section for details