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Energy Efficient Mortgages

CMHC: Mortgage Loan Insurance Refund For Energy Efficient Houses
CMHC is offering a 10% CMHC mortgage loan insurance premium refund and extended amortization periods of up to 40 years without surcharge when CMHC insured financing to purchase an energy-efficient home or make energy-saving renovations.

EcoBuilding: Energy-Related Mortgage Innovations To Come?
EcoBuilding describes three recent studies addressing advantages of energy efficiency as it relates to home ownership. They could have a significant impact on the way buyers finance home purchases in the near future. The studies point to a convergence among thought leaders in the financial, energy, and homebuilding industries, and may provide needed momentum for current efforts to change mortgage lending practices to include energy-related improvements.

Genworth Financial: Energy Efficient Housing Mortgage Insurance Program
Genworth Financial Energy-Efficient Housing Program for home buyers purchasing an energy-efficient home or refinancing an existing home to make energy-saving renovations with Genworth-insured mortgages are now eligible to receive a 10 per cent premium refund.

IMT: Designing A Mortgage Process For Energy Efficiency
Institute for Market Transformation study Designing a Mortgage Process for Energy Efficiency says to date, residential retrofit strategies have broadly targeted homeowners, with less emphasis placed on leveraging the home purchase process to trigger renovations early in a homeowner's tenure. (PDF)

Milken Institute: Integrating Energy-Efficiency Programs & Financial Instruments
Milken Institute report Financing the Residential Retrofit Revolution, finds that various government programs and private-sector financing options, if properly integrated, can jumpstart the transition to a cleaner, more efficient use of energy in houses.
Incentive & Rebate Programs

ACEEE: Energy Efficiency Finance: A US Market Reassessment
American Council for an Energy-Efficient Economy online report Energy Efficiency Finance: A Market Reassessment describes the current state of energy efficiency financing, highlighting what is and isn’t working, while offering a look at the future of the industry. (PDF)

BC Gov: List Of Incentive & Rebate Programs Available In BC
BC Government LiveSmart BC programs are designed to empower BC citizens, businesses and consumers to make smarter, greener lifestyle choices. The decision to take climate action may come in the form of behaviour changes (modes of transportation, home utility usage), consumer choices (energy and fuel efficient products, home heating systems), or conservation decisions (home retrofits, business upgrades). Rebates and incentives listed here are designed to decrease your energy consumption (electricity, natural gas, motor fuel) and help you enjoy savings from lower monthly bills.

BC Hydro: Incentives For Home Energy Efficiency Improvements
BC Hydro Power Smart in partnership with FortisBC provide The Home Energy Rebate Offer which offers a wide variety of incentives to help make it easy for you to reduce ongoing energy costs and improve the comfort of your home.

BC Hydro: Power Smart Programs & Incentives For Business
Power Smart provides incentive programs, tools, and resources for BC businesses to achieve energy efficiency and sustainability.

BC Hydro: Power Smart Residential Rebates & Buy Backs
BC Hydro Power Smart describes their various rebates & buy backs for energy efficient products including appliances, fridges and home renovation.

Canada Gov: Search For Incentives & Rebates For Energy & Environment
Environment Canada allows you to search by province and program for grants, rebates, discounts, and other incentives to help you use less energy, switch to renewable energy and produce less waste at home and on the road.

City Green: BC List Of Energy Efficiency & Green Grants & Incentives
City Green provides a listing, short descriptions, and links, to BC grant and incentive programs available for those who implement energy efficient and green measures on existing homes, new homes, and multi-unit residential buildings.

FortisBC: Incentive Programs For Energy Efficiency
FortisBC provides customers with incentives, rebates and special offers to save energy & money while making home improvements or simply shopping for new appliances.

LBL: US Energy Efficiency Program Financing Summary
Lawrence Berkeley report Energy Efficiency Program Financing, Where it comes from, where it goes, and how it gets there, characterizes the programmatic energy efficiency financing market from a quantitative perspective. Lab researchers document a total of $4.8 billion loaned to end users from programmatic sources in 2014. LBNL gathered and reported data on the volume of capital for energy efficiency financing that originated from five programmatic sources: on-bill programs; other utility financing programs; property assessed clean energy (PACE) programs; state energy office revolving loan funds (RLF); and energy savings performance contracting (ESPC) programs. Researchers estimated the amount of investment moving through energy efficiency financing programs, the sources of capital they employ, and program availability and activity by geography and market sector (residential vs. non-residential consumers). The brief also presents information on trends in investment by program type, and on the presence or absence of certain program design features, such as credit enhancements and interest rate buydowns. (PDF)

LBNL: Current Practices in Efficiency Financing
Lawrence Berkeley National Lab report Current Practices in Efficiency Financing, is a guide to all customer-facing financing products, products offered by a lender directly to a borrower, used to pay for energy efficiency. (PDF)

Milken Institute: Integrating Energy-Efficiency Programs & Financial Instruments
Milken Institute report Financing the Residential Retrofit Revolution, finds that various government programs and private-sector financing options, if properly integrated, can jumpstart the transition to a cleaner, more efficient use of energy in houses.

NRCan: List Of Canadian Energy Efficiency Incentives & Rebates
Canadian Office Of Energy Efficiency provides details on incentives and rebates available from Natural Resources Canada Office of Energy Efficiency, which strengthens and expands the Canadian commitment to energy efficiency in order to address the challenges of climate change.

NRCan: Search For Energy Efficiency Programs In Canada
Natural Resources Canada directory of energy efficiency and alternative energy programs in Canada allows search for efficiency and alternative energy programs of the Canadian government, provincial and territorial governments, major electric and gas utilities and companies and major municipalities in Canada.
PACE & Property Taxes

GBA: Setting the PACE for Consumer Protection
Green Building Advisor says consumer protection standards for property assessed clean energy help prevent homeowners from getting in over their heads.

GBE: PACE Loans Interfere With Home Sales
Green Building Elements says the conflict between mortgage lenders and PACE lenders must be resolved before the full power of the PACE program can be realized.

LBL: Transferring PACE Assessments Upon Home Sale
US Lawrence Berkeley National Laboratory policy brief analyzes one of the advantages of PACE, which is the transferability of the special assessment from one homeowner to the next when the home is sold. This analysis focuses on the potential for the outstanding lien to impact the sales negotiation process, rather than the legal nature of the lien transfer itself. (PDF)

LBL: Update On Commercial Property Assessed Clean Energy Financing Programs
Lawrence Berkeley Laboratory policy brief provides an overview of all currently operating commercial PACE programs, including project data, the various financing mechanisms that are being piloted, and common challenges across programs. It also includes a summary of programs in the mid-to-late developmental stage. (PDF)

Lexology: Accelerating The Commercial PACE
Chadbourne & Parke LLP says PACE (or property assessed clean energy) financing is still in its infancy, but could be a vast growth market. It is a form of financing for energy efficiency improvements to buildings.

Milken Institute: Integrating Energy-Efficiency Programs & Financial Instruments
Milken Institute report Financing the Residential Retrofit Revolution, finds that various government programs and private-sector financing options, if properly integrated, can jumpstart the transition to a cleaner, more efficient use of energy in houses.

NREL: Economic Impacts From Using Property-Assessed Clean Energy Financing
US National Renewable Energy Laboratory case study Economic Impacts From Using Property-Assessed Clean Energy Financing examines the economic effects of PACE for energy efficiency and renewable energy projects at the local level, including job growth, economic activity, and energy savings. (PDF)

PACE: Property Assessed Clean Energy Financing
Vote Solar describes Property Assessed Clean Energy Financing (PACE) where cities set up special clean energy finance districts capable of issuing low-interest bonds. Participating homeowners can opt to use the bond money to pay for renewable energy and energy efficiency improvements, and then pay the loan back through a long-term assessment on their property taxes.

SRS: Underwriting Energy Efficiency Financing In Innovative Connecticut PACE Program
Sustainable Real Estate Solutions paper Underwriting Energy Efficiency Financing in the Innovative Connecticut PACE Program describes the unique approach taken by Connecticut’s PACE tax lien financing program to jump start energy efficiency investments in the commercial and industrial real estate market. It also describes how the program has incorporated innovative technical and financial underwriting standards to insure that stakeholders can have a high degree of confidence in projected energy savings. (PDF)

US DOE: Best Practice Guidelines For Residential PACE Financing Programs
US Department of Energy online Best Practice Guidelines for Residential PACE Financing Programs focus on best practices for program design, including protections to both consumers who voluntarily opt into PACE programs, and to lenders who hold mortgages on properties with PACE assessments; compatibility of PACE with other energy efficiency programs and services; and evaluation of program outcomes, including cost effectiveness, energy savings, and non-energy benefits such as improved health and comfort. (PDF)
Tax Exemptions & Credits

BC Gov: PST Bulletin On Energy and Energy Conservation
BC Government bulletin provides information on how the provincial sales tax (PST) applies to energy purchased in BC or brought, sent or delivered into BC, information on exemptions for certain uses of energy, and how the tax applies to materials and equipment used to conserve energy, effective April 1, 2013. (PDF)
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