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You are here: Home > Personal > Cards, loans and credit > Mortgages > Green Homes Program > Green Homes Program information > Offer for new green constructions

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Offer for new green constructions

  • Access to a full range of mortgages at competitive rates
  • Up to $2,000 cashback
  • Discount on your Desjardins Insurance home insurance premium
  • Your monthly plan free for 1 year
  • Free Home Assistance when you take out Loan Insurance
  • Donations to Ecohome when you use your Visa Desjardins card to pay for your purchases

Desjardins has a complete offer when you buy a new construction. It includes cashback, freebies, great rates and many more advantages.

To take advantage of it all, just apply for a mortgage if you're planning to buy or build a green home that meets environmental certification standards recognized by Desjardins.

Learn more about eligibility and recognized programs.

Cashback based on the amount of your mortgage

Get up to $2,000 cashback when you buy a new green home that meets Novoclimat 2.0, ENERGY STAR® for New Homes or LEED® Canada standards.

Green Homes Program savings calculator

Discount on your Desjardins Insurance home insurance premium

Get $50 off your home insurance premium when you receive Novoclimat 2.0 or ENERGY STAR® for New Homes certification.

Get an annual 10% discount on your premium when you receive LEED® Canada certification (Silver, Gold or Platinum).

Your monthly plan free for 1 year

The offer is great for members whose transactions are mostly automated.

Get the cash equivalent of the annual cost of your plan, up to the cost of The Premier plan.

Free Home Assistance

When you take out Loan Insurance, get free access to a phone service that provides references and advice for home maintenance, repairs, renovations and emergencies.

Learn more about Home Assistance

Donation to an environmental organization

Donations to Ecohome will be made on behalf of members with a Visa Desjardins card with the BONUSDOLLARS program.

The donation will be the equivalent of 0.10% of purchases made with your Visa Desjardins card over 5 years.

Note: You won't receive a tax receipt since Desjardins Card Services will be making the donations.

The program is aimed at members taking out a Desjardins mortgage to buy a new construction that meets the following environmental certification standards recognized by Desjardins:

Note that environmental certification standards for new homes certify whole condo buildings, resulting in certification for each unit, if applicable.

You are eligible for the program when you buy a new home from a builder or developer and the home meets environmental certification standards recognized by Desjardins.

If you are building your own home, you may be eligible if environmental certification programs allow for it.

Eligible homes include single-family detached homes, row houses and semi-detached homes, as well as condo units and residential rental properties with 4 units or less and where the owner is an occupant.

The Green Homes Program applies to minimum financing of $125,000 for the purchase of a property.

Green Homes Program advantages are conditional upon a 5-year commitment to keeping your mortgage with Desjardins.

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

To be eligible for the reimbursement of the cost of the monthly plan, you must make or have already made the following transactions:

  • registration for online statements (Desjardins account statements, Visa Desjardins statements and Desjardins Funds statements)
  • regular or preauthorized bill payments on AccèsD (online or mobile)
  • registration for epost (at least 1 bill) on AccèsD if members use an eligible provider
  • registration for direct deposit for payroll and government refunds

As a complement to the Green Homes Program, the major mortgage insurers have developed great programs for homebuyers who need mortgage insurance.

Canadian Mortgage and Housing Corporation (CMHC)

The CMHC Green Home program offers a 15% to 25% refund of the total premium, and a premium refund for a longer amortization period (if applicable).

Learn more about the Green Home program.

Genworth Canada

Genworth Canada's Energy-Efficient Housing Program gives green home buyers and renovators a 10% refund on their Genworth mortgage insurance premium.

Learn more about the Energy-Efficient Housing Program.

  1. Talk about the Green Homes Program with your advisor when you apply for a preauthorized mortgage.
  2. Get a Desjardins mortgage to finance your green home.

You'll get all the advantages of the Green Homes Program if you:

Due to program procedures and conditions, and to building schedules, there may be a delay between the time you take possession of your home and the time you receive your environmental certification.

* Applies to minimum financing of $125,000 for the purchase of a property.

The ENERGY STAR® mark is administered and promoted in Canada by Natural Resources Canada and used with permission.

LEED® is a trademark owned by the Canada Green Building Council and is used by permission.

Desjardins Insurance refers to Desjardins General Insurance Inc.

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