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Offer for green renovations

  • Access to a full range of mortgages at competitive rates
  • Up to $500 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 for green renovations. It includes cashback, freebies, great rates and much more.

To take advantage of the program, your renovation plans have to meet the conditions of both Rénoclimat (Quebec only) and the Green Homes Program (EnerGuide rating of at least 66, confirmed after a second evaluation).

Learn more about eligibility and conditions

EnerGuide rating system
EnerGuide rating Features of the home
0 to 50 Older, unrenovated home
51 to 65 Older, renovated home
66 to 74 Older home with energy savings renovations or new standard home
75 to 79 New energy efficient home
80 to 90 New, high energy performance home
91 to 100 Home that requires little or no energy purchases

Source: Ministère des Ressources naturelles du Québec, Rénoclimat program

Cashback based on the amount of refinancing

Get up to $500 cashback based on the mortgage refinancing for your green renovations, your EnerGuide rating of at least 66, and your Rénoclimat-compliant renovations.

Rebate on your Desjardins Insurance home insurance premium

Get $50 off your home insurance premium when your EnerGuide rating is at least 66 and your renovations are recognized by Rénoclimat.

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.

Eligibility

The offer is for members who already have a Desjardins mortgage and for new members who transfer their mortgage from another financial institution and are financing their green renovations.

The eligible certification program is Rénoclimat (Quebec only).

Conditions

To take advantage of the program, your renovations have to have an EnerGuide rating of at least 66, confirmed following an evaluation performed after work is complete, as required, by Rénoclimat representatives and assessors.

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

The Green Homes Program applies to minimum financing of $25,000 for renovations (total minimum mortgage of $100,000).

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
  1. Talk about the Green Homes Program with your advisor when you refinance your mortgage.
  2. Get a Desjardins mortgage to finance your green renovations.

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

  • meet the program conditions
  • show your advisor the EnerGuide rating sticker (at least 66) following an evaluation performed after work is complete, as required, by Rénoclimat representatives and assessors.

Due to program procedures and conditions, and to renovation schedules, there may be a delay between the end of renovations and the time you receive your environmental certification.

* Applies to minimum financing of $25,000 for renovations (total minimum mortgage of $100,000).

Desjardins Insurance refers to Desjardins General Insurance Inc.

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