Are You Leaving Money on the Table?
Get Your Refund - Hassle Free with Greenbrain!
We help homeowners claim government rebates, boost energy efficiency, and cut their environmental impact - effortlessly.
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Our team will:
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Verify your eligibility
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Provide a FREE energy audit (if you qualify)
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Guide you through the entire process
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Help you get your refund fast - typically within 30 days!
Do You Qualify?
To be eligible, the energy audit we conduct on your home must meet at least one of the following criteria:
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Energy
Rating
At least 20%
lower than a
typical new house
Greenhouse Gas Emissions
In the top 15%
for lowest emissions
Energy Efficiency Certification
Certified at purchase
(e.g., ENERGY STAR,
R-2000, etc.)
Not sure if you qualify? No worries! We'll conduct a FREE energy audit to find out for you.
FREQUENTLY ASKED QUESTIONS
1) What is mortgage insurance?
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The Government of Canada, through the office of the Superintendent of Financial Institutions (OSFI) requires mortgages with a down payment of less than 20% to carry mortgage default insurance.
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2) Which companies in Canada provide mortgage default insurance?
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Within Canada, there are only 3 companies with a license to provide mortgage default insurance. This includes: Canada Guaranty, CMHC (a Canadian Crown Corporation), and Sagen (formerly Genworth Canada)
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3) How does mortgage insurance work?
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If you buy a home under $1,000,000 (or under $1,500,000 after December 15, 2024), and have a down payment of less than 20%, mortgage insurance is required.
The mortgage insurance premium you pay is directly related to your loan-to-value ratio and ranges from 0.6% – 4% of the total loan amount. Your mortgage insurance premium may also be added directly to your mortgage and amortized over its length.
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4) How much of a refund can I get?
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Eligible customers can receive a 25% refund on their mortgage insurance premium. Assuming a house purchase price of $1,500,000, with a 95% loan-to-value ratio which is equivalent to a 5% down payment, the total mortgage amount would be $1,425,000.
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The total mortgage insurance premium would be $57,000 (or 4% of the mortgage amount). AND, a 25% refund on that premium would equate to a $14,250 refund cheque paid directly to the mortgage holder.
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5) How do I get started?
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Call our Greenbrain team today at 1-866-848-4998 to speak with one of our representatives to learn more and schedule your energy audit.