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Sustainable Home Program

Get financing 1 and possible cash back 2 when you buy or build a new eco-friendly home or make energy-efficient upgrades to your current home.

Eco-friendly renovation projects

We help you make your home more sustainable by financing certain upgrades under the Rénoclimat grant program3 and Hydro-Québec's LogisVert Program.

Need a hand with renovations? RenoAssistance External link.™ connects you with a network of reliable, verified contractors for renovation and maintenance work on your property.

Rénoclimat program

Get up to $500 cash back4 based on the mortgage amount you refinanced for eco-friendly renovations.

To benefit from this program, your renovations must meet the conditions of both the Rénoclimat External link. program and the Sustainable Home Program, which require an EnerGuide label of 90 GJ/year or less.

The EnerGuide rating estimates how much energy a home uses in a year, minus any energy it produces, and is expressed in gigajoules (GJ). To learn more, visit the Natural Resources Canada External link. website.

Eligibility for sustainable renovations

You can benefit from this offer if:

  • You have a mortgage with us or are transferring your mortgage to us from another financial institution and you’re financing your eco-friendly renovations.
  • You’re refinancing your mortgage for at least an additional $10,000 to use toward renovations (total minimum mortgage of $100,000).
  • Your home is a single-family detached home, a row house or semi-detached home, or a residential rental property with 4 units or less.
  • You own and occupy the home.
  • Your renovations have an EnerGuide rating of 90 GJ per year or less, confirmed after a post-renovation assessment of your home by Rénoclimat-approved advisors.

You agree to keep your mortgage with us for 5 years to continue receiving the benefits of the Sustainable Home Program.

HydroQuébec’s LogisVert Program

Get financial assistance to implement one or more energy efficiency upgrades from the LogisVert Efficient Homes Program.

To see how you can get financial assistance from the LogisVert Efficient Homes Program, read the Participant's Guide for Residential Customers External link..

Buy or build a sustainable home

Cash back based on your mortgage amount

Get cash back of up to $2,000 when you buy or build a new eco-friendly home. To benefit from this offer, you must apply for and get a mortgage to purchase or build a home that meets the standards of an environmental certification program we recognize, such as:

Novoclimat External link.

LEED® Canada External link. (Certified, Silver, Gold, Platinum)

Eligibility to purchase or build a new sustainable home

You can benefit from this offer if:

  • You’re buying a new home from a builder or developer and the home meets environmental certification standards recognized by us. You may also be eligible if you’re building your own home in accordance with the requirements of an approved environmental certification program.
  • Your home is a single-family detached home, a row house or semi-detached home, or a residential rental property with 4 units or less.
  • You own and occupy the home.
  • You have a minimum financing of $125,000 for the purchase of a new home.

You agree to keep your mortgage with us for 5 years to continue receiving the benefits of the Sustainable Home Program.

In compliance with the National Housing Act, cash rebates cannot be factored into the calculation of your down payment.

Good to know

For new condo buildings, environmental certification programs evaluate the entire building first. If applicable, the certification is then applied to each individual condo unit.

Mortgage insurance programs

The leading mortgage insurers provide benefits to homeowners as part of the Sustainable Home Program.

Canada Mortgage and Housing Corporation (CMHC)

CMHC’s Eco products offer a 25% rebate on your mortgage insurance premium when you buy a new sustainable home or undergo eco-friendly renovations.

Learn more about CMHC’s Eco products External link.

Sagen

The Sagen Energy-Efficient Housing Program refunds up to 25% of your Sagen mortgage insurance premium when you buy a new sustainable home or undergo energy-efficient renovations.

Learn more about the Energy-Efficient Housing Program External link.

Benefit from the Sustainable Home Program

  1.  Step  1 Speak with your advisor 

    Discuss the Sustainable Home Program with your advisor when applying to refinance your mortgage for eco-friendly renovations or when seeking mortgage pre-approval to buy a sustainable home.

  2.  Step 2 Finance your project

    Get a mortgage1 with us to finance your sustainable home purchase or renovation.

  3.  Step 3Show proof

    To get your cash back, you must meet the conditions5 for the Sustainable Home Program and show your advisor the required documents.

    For sustainable renovations, present the EnerGuide rating sticker showing a result of 90 GJ per year or less, based on a post-renovation assessment by Rénoclimat-approved advisors.

    For the purchase or construction of a new sustainable home, show proof of environmental certification from a program we recognize.

    Due to program requirements and construction timelines, there may be a delay between taking possession of your home and receiving the final environmental certification.

Partners and resources

This program is supported by reputable partners who are committed to protecting the environment and reducing our environmental footprint.

Call us

Monday to Friday: 8 AM to 9 PM
Saturday: 9 AM to 6 PM

Montreal area:
514-745-9499 This link opens your phone app.

Elsewhere in Canada:
1-844-626-2476 This link opens your phone app.

We can also call you when it's convenient.

Schedule a call with the mortgage financing team.

Book appointment

If you’re a member, book an appointment online to speak with an advisor in person, by phone or by video call.

Book appointment using our mobile and online services.
The ENERGY STAR ® brand is administered and promoted in Canada by Natural Resources Canada. LEED ® is a trademark owned by the Canada Green Building Council and is used with permission. RenoAssistanceTM is a trademark of RénoAssistance Inc., used with permission. All financing subject to Desjardins credit approval.Applies to minimum financing of $125,000 for the purchase of a property and $10,000 for renovations (total minimum mortgage of $100,000). Other conditions may apply.You could receive cash back when you buy a new sustainable home that meets Novoclimat, ENERGY STAR® for New Homes or LEED® Canada standards. Other conditions may apply.Calculated on how much you refinance for a renovation project that meets Rénoclimat program conditions, as well as on the EnerGuide rating received. Other conditions may apply.Contact an advisor for more information and to verify your eligibility.