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Canada Mortgage & Housing Corporation

Mark Salerno

Presenter :

Designing, Constructing & Financing Healthy Housing


Presented to Participants of Project Neutral

Designing, Constructing & Financing Healthy Housing


Agenda:

1. CMHC Research 2. Renovation Case Studies 3. Financing


a. Now House b. Federal Home Energy Audit a. Healthy HousingTM b. FlexHousingTM

Designing, Constructing & Financing Healthy Housing


Agenda:

1. CMHC Research 2. Renovation Case Studies 3. Financing


a. Now House b. Federal Home Energy Audit a. Healthy HousingTM b. FlexHousingTM

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Team
Researching Demonstrating Educating Inspiring

RESEARCH
Chain of Players

INTERNATIONAL
Tapping World Markets

FINANCE

Enabling Purchase Allowing Adoption

Extending Benefits Helping All Canadians

AFFORDABLE HOUSING

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Team Research
Researching Demonstrating Educating Inspiring

RESEARCH
Chain of Players

INTERNATIONAL
Tapping World Markets

FINANCE

Enabling Purchase Allowing Adoption

Extending Benefits Helping All Canadians

AFFORDABLE HOUSING

Designing, Constructing & Financing Healthy Housing


Agenda:

1. CMHC Research 2. Renovation Case Studies 3. Financing


a. Now House b. Federal Home Energy Audit a. Healthy HousingTM b. FlexHousingTM

Designing, Constructing & Financing Healthy Housing


Before
Typical Post WWII Home

Typical Post WWII Home

48 EnerGuide Scale 0 20 21 49
Least Efficient

50 79

80 100
Most Efficient

Designing, Constructing & Financing Healthy Housing


After
Typical Post Now House
One small house. One million opportunities.

WWII Home

Typical Post WWII Home

How Do We Get there?


50 79 80 100
Most Efficient

Now House
One small house. One million opportunities.

48 EnerGuide Scale 0 20 21 49
Least Efficient

94

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes
HEALTHY INDOORS

LAND USE

ENERGY

HEALTHY HOUSING
MATERIALS

WATER

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes

ACCESSIBLE

FLEX HOUSING
AFFORDABLE

ADAPTABLE

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes

HEALTHY HOUSING

FLEX HOUSING

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM

HEALTHY HOUSING

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
HEALTHY INDOORS

Improved IAQ

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
HEALTHY INDOORS

Improved IAQ

Control Moisture Control Mould

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
HEALTHY INDOORS

Improved IAQ

Control Moisture Control Mould Select Non-Toxic Products (Low VOC Coatings, Sealants)

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
HEALTHY INDOORS

Improved IAQ

Control Moisture Control Mould Select Non-Toxic Products (Low VOC Coatings, Sealants)

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
HEALTHY INDOORS

Improved IAQ

Control Moisture Control Mould Select Non-Toxic Products (Low VOC Coatings, Sealants) Install Effective Ventilation (Heat Recovery Ventilator)

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
ENERGY

Energy Efficiency

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
ENERGY

Energy Efficiency

Winter Rays Enter & Warm

Passive Solar Design

Summer Rays Shaded

Passive Solar Design

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
ENERGY

Energy Efficiency

Winter Rays Enter & Warm

Passive Solar Design Insulation & Air Tightness

Summer Rays Shaded

Passive Solar Design

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
ENERGY

Energy Efficiency

Winter Rays Enter & Warm

Passive Solar Design Insulation & Air Tightness Lighting, Appliances, Heating & Cooling
Summer Rays Shaded

Passive Solar Design

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
ENERGY

Energy Efficiency

Winter Rays Enter & Warm

Passive Solar Design Insulation & Air Tightness Lighting, Appliances, Heating & Cooling Renewable Energy (Active Solar & Wind Power)
Summer Rays Shaded

Passive Solar Design

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
ENERGY

Energy Efficiency

Winter Rays Enter & Warm

Passive Solar Design Insulation & Air Tightness Lighting, Appliances, Heating & Cooling Renewable Energy (Active Solar & Wind Power)
Summer Rays Shaded

Passive Solar Design

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
MATERIALS

Material Efficiency

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
MATERIALS

Material Efficiency

Durable Assemblies

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
MATERIALS

Material Efficiency

Durable Assemblies Reclaimed Material

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
MATERIALS

Material Efficiency

Durable Assemblies Reclaimed Material Waste Diversion During Construction

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
MATERIALS

Material Efficiency

Durable Assemblies Reclaimed Material Waste Diversion During Construction During Occupancy

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
MATERIALS

Material Efficiency

Durable Assemblies Reclaimed Material Waste Diversion During Construction During Occupancy

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
WATER

Water Efficiency

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
WATER

Water Efficiency

Low-Consuming Planting Indigenous Species

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
WATER

Water Efficiency

Low-Consuming Planting Indigenous Species

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
WATER

Water Efficiency

Low-Consuming Planting Indigenous Species Fixtures/Appliances

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
WATER

Water Efficiency

Low-Consuming Planting Indigenous Species Fixtures/Appliances Rainwater Re Use

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
WATER

Water Efficiency

Low-Consuming Planting Indigenous Species Fixtures/Appliances Rainwater Re Use Grey Water Re Use Black Water Re Use

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
LAND USE

Land Use Efficiency

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
LAND USE

Land Use Efficiency

Retain Trees

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
LAND USE

Land Use Efficiency

Retain Trees Storm Water


Storm Water Management

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
LAND USE

Land Use Efficiency

Retain Trees Storm Water Green Roofs


Storm Water Management

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM
LAND USE

Land Use Efficiency

Retain Trees Storm Water Green Roofs Intensification


Storm Water Management

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes Healthy HousingTM

FLEX HOUSING

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes FlexHousingTM
Accessibility
ACCESSIBLE

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes FlexHousingTM
Accessibility
ACCESSIBLE

Curbless Entry

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes FlexHousingTM
Accessibility
ACCESSIBLE

Curbless Entry
Accessible Switches

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes FlexHousingTM
Accessibility
ACCESSIBLE

Curbless Entry
Accessible Switches

42

18

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes FlexHousingTM
Accessibility
ACCESSIBLE

Curbless Entry
Accessible Switches Manoeuvring Space
42 18

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes FlexHousingTM
Accessibility
ACCESSIBLE

Curbless Entry
Accessible Switches Manoeuvring Space
42 18

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes FlexHousingTM
Accessibility
ACCESSIBLE

Curbless Entry
Accessible Switches Manoeuvring Space
42 18

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes FlexHousingTM
Accessibility
ACCESSIBLE

Curbless Entry
Accessible Switches Manoeuvring Space
42 18

Safety Provisions

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes FlexHousingTM
Accessibility
ACCESSIBLE

Curbless Entry
Accessible Switches Manoeuvring Space
42 18

Safety Provisions

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes FlexHousingTM
Adaptability
ADAPTABLE

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes FlexHousingTM
Adaptability
ADAPTABLE

2-Flr Home Duplex

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes FlexHousingTM
Adaptability
ADAPTABLE

2-Flr Home Duplex Bathroom

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes FlexHousingTM
Adaptability
ADAPTABLE

2-Flr Home Duplex Bathroom Laundry

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes FlexHousingTM
Adaptability
ADAPTABLE

2-Flr Home Duplex Bathroom Laundry Office/Living

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes FlexHousingTM
Adaptability
ADAPTABLE

2-Flr Home Duplex Bathroom Laundry Office/Living Bedroom

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes
Healthy HousingTM & FlexHousingTM

Demonstration Homes Across Canada www.cmhc.ca (Key Word: Equilibrium)

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes
Healthy HousingTM & FlexHousingTM

Demonstration Homes Across Canada www.cmhc.ca (Key Word: Equilibrium)

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


CMHC Research Themes
Healthy HousingTM & FlexHousingTM

http://www.cmhc.ca/newcomers/

Designing, Constructing & Financing Healthy Housing


Agenda:

1. CMHC Research 2. Renovation Case Studies 3. Financing


a. Now House b. Federal Home Energy Audit a. Healthy HousingTM b. FlexHousingTM

Designing, Constructing & Financing Healthy Housing

TYPICAL POST WWII HOME

48 EnerGuide Scale 0 20 21 49
Least Efficient

50 79

80 100
Most Efficient

Designing, Constructing & Financing Healthy Housing

Now House

TYPICAL POST WWII HOME

ACCESSIBLE HOUSING One small house. AFFORDABLE HOUSING One million opportunities. RESILIENT HOUSING

48 EnerGuide Scale 0 20 21 49
Least Efficient

50 79

80 100
Most Efficient

Designing, Constructing & Financing Healthy Housing

Now House

TYPICAL POST WWII HOME

ACCESSIBLE HOUSING One small house. AFFORDABLE HOUSING One million opportunities. RESILIENT HOUSING

48 EnerGuide Scale 0 20 21 49
Least Efficient

50 79

80 100
Most Efficient

Designing, Constructing & Financing Healthy Housing

Now House

TYPICAL POST WWII HOME

ACCESSIBLE HOUSING One small house. AFFORDABLE HOUSING One million opportunities. RESILIENT HOUSING

48 EnerGuide Scale 0 20 21 49
Least Efficient

50 79

80 100
Most Efficient

Designing, Constructing & Financing Healthy Housing

Now House

TYPICAL POST WWII HOME

ACCESSIBLE HOUSING One small house. AFFORDABLE HOUSING One million opportunities. RESILIENT HOUSING

48 EnerGuide Scale 0 20 21 49
Least Efficient

50 79

80 100
Most Efficient

Designing, Constructing & Financing Healthy Housing

Now House

TYPICAL POST WWII HOME

ACCESSIBLE HOUSING One small house. AFFORDABLE HOUSING One million opportunities. RESILIENT HOUSING

48 EnerGuide Scale 0 20 21 49
Least Efficient

94
50 79 80 100
Most Efficient

Designing, Constructing & Financing Healthy Housing

Now House
NEIGHBOURHOOD RENOVATION PROJECT

TYPICAL POST WWII HOME


55 2 81

ACCESSIBLE HOUSING One small house. AFFORDABLE HOUSING One million opportunities. RESILIENT HOUSING
35 4 79 18 5 77

55 1 74

28 3 79

Average

Average

EnerGuide Scale 38 0 20 21 49
Least Efficient

78
50 79 80 100
Most Efficient

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


Federal Home Energy Audit Case Study
Federal Home Energy Audit

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


Federal Home Energy Audit Case Study
Federal Home Energy Audit
1: Hire Energy Advisor
a) Sign-up On-Line* b) Perform Energy Evaluation c) Pre-Retrofit Report Cost $400
Produce Report

Gather Data

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


Federal Home Energy Audit Case Study
Federal Home Energy Audit
1: Hire Energy Advisor
a) Sign-up On-Line* b) Perform Energy Evaluation c) Pre-Retrofit Report Cost $400
Produce Report

Gather Data

* http://oee.nrcan.gc.ca/residential/personal/retrofit-register/register.cfm

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


Federal Home Energy Audit Case Study
Federal Home Energy Audit
1: Hire Energy Advisor
a) Sign-up On-Line b) Perform Energy Evaluation c) Pre-Retrofit Report Cost $400
Produce Report

Current
Potential

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


Federal Home Energy Audit Case Study
Federal Home Energy Audit
Cost
Solar Thermal Water Heating

$15,000

2: Undertake Upgrades
a) Review Pre-Retrofit Report b) Select Energy Upgrades c) Undertake Upgrades by 3/31/12
Spray Foam Insulation Cost = $200 Insulation Windows Furnace Heat Recovery Ventilator $5,500
Drain Water Heat Recovery

$250-1,000

$500/unit

$3,500

$2,000

$800

** CSA Approved & 6,000 MJ/Yr

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


Federal Home Energy Audit Case Study
Upgrade Spray Foam Insulation Insulation Windows (4 Units) Furnace/Boiler Heat Recovery Ventilator Drain Water Heat Recovery Solar Thermal Water Heating

Estimated Installed Cost

Impact on Gas Bill

$200 $1,000 $2,000 $3,500 $2,000 $800 $5,500

Before:

$2,565 Yrly
After:

$1,340Yrly
Savings:

$1,225Yrly
Payback:

TOTALS

$15,000

12.24Yrs

Designing, Constructing & Financing Healthy Housing

Designing & Constructing


Federal Home Energy Audit Case Study
Federal Home Energy Audit
3: Call Energy Advisor
a) Review Post-Retrofit Evaluation b) Confirm New Energy Rating* c) Application Submitted Cost $150
TREB Form 283: Green Property Information Statement

Realtor Considerations
Seller List with Evaluation / Rating / Construction Estimate
Shows Efficiency or Opportunities; Financing via Purchase + Improvements

Buyer Undertake Evaluation Before Closing (2 Visits)


Evaluation / Contractor Estimate / Financing via Purchase + Improvements

* Present all receipts to energy evaluator at time of post-retrofit evaluation

Designing, Constructing & Financing Healthy Housing


Agenda:

1. CMHC Research 2. Renovation Case Studies 3. Financing


a. Now House b. Federal Home Energy Audit a. Healthy HousingTM b. FlexHousingTM

Designing, Constructing & Financing Healthy Housing

Designing & Financing


CMHC Team Finance
Researching Demonstrating Educating Inspiring

RESEARCH
Chain of Players

INTERNATIONAL
Tapping World Markets

FINANCE

Enabling Purchase Allowing Adoption

Extending Benefits Helping All Canadians

AFFORDABLE HOUSING

Designing, Constructing & Financing Healthy Housing

Designing & Financing


CMHC Team Finance
Researching Demonstrating Educating Inspiring

RESEARCH
Chain of Players

INTERNATIONAL
Tapping World Markets

FINANCE

Enabling Purchase Allowing Adoption

Extending Benefits Helping All Canadians

AFFORDABLE HOUSING

Designing, Constructing & Financing Healthy Housing

Designing & Financing


Homebuying Step by Step

FINANCE

Home Buying Step by Step

Enabling Purchase Allowing Adoption

Designing, Constructing & Financing Healthy Housing

Designing & Financing


Homebuying Step by Step
1 Is Homeownership Right for You?
Home Buying Step by Step

2 Are You Financially Ready?

3 Which Home is Right for You? 4 The Homebuying Process

5 Now that Youre a Homeowner

Designing, Constructing & Financing Healthy Housing

Designing & Financing


Homebuying Step by Step Are You Financially Ready?
2 Are You Financially Ready?

1 Is Homeownership Right for You?


Home Buying Step by Step

3 Which Home is Right for You? 4 The Homebuying Process

5 Now that Youre a Homeowner

Designing, Constructing & Financing Healthy Housing

Designing & Financing


Homebuying Step by Step Total Debt Service Ratio
2 Are You Financially Ready?

1 Is Homeownership Right for You?


Total Debt Service Ratio (TDS)

3 Which Home is 40% GROSS Right for You? 4 The Homebuying Process MONTHLY = PRINCIPAL + INTEREST + TAXES + HEATING
INCOME
LEGAL Suite: Include 50% of Gross Income

5 Now that Youre a Homeowner


+
OTHER DEBT
(Car)
Buy city home & scale back to 1 car

(MORTGAGE)
With more income & reduced expenses qualify for more Mortgage LEGAL Suite: Exclude 100% of Property Taxes & Heating

* Ask Your Lender about how they address heating costs

Designing, Constructing & Financing Healthy Housing

Designing & Financing

Homebuying Step by Step Online & Hard Copies Available

www.cmhc.ca

Designing, Constructing & Financing Healthy Housing

Designing & Financing


Mortgage Financing Various Products Available
Your Lender

Green Mortgages
Purchase + Improvements Purchase Price Loan + Extra Amount for Renovations

Cash Rebate
Various Financial Products 4-7% Cash Back on Mortgage $300,000 x 7.0% = $21,000

Possible Purchases Land Transfer Tax Lawyer's Fees Moving Costs Closing Costs Energy Upgrades

Designing, Constructing & Financing Healthy Housing

Designing & Financing


Mortgage Financing CMHC Green Home Rebate
Mortgage Loan Insurance Rebates
CMHC Green Home Example:
$300,000 Loan, 5% down, 30yr Amortization Mortgage Loan Insurance (MLI) Premium $8,250 MLI Premium (2.75% of loan) $600 Amortization Surcharge (+ 0.2% for every 5 years of amortization beyond the 25 years) = $825 Rebate + $600 Waiver

Terms

Enroll in ecoENERGY

Increase by min. 5 Pts Min. Score of 50

Green Home Rebate & Waiver:


$8,250 x 10%

Designing, Constructing & Financing Healthy Housing

Designing, Constructing & Financing

www.ecoaction.gc.ca/

Designing, Constructing & Financing Healthy Housing

Designing, Constructing & Financing

microfit.powerauthority.on.ca

Designing, Constructing & Financing Healthy Housing

Designing, Constructing & Financing

Demonstration Homes Across Canada www.cmhc.ca (Key Word: Equilibrium)

Canada Mortgage & Housing Corporation

Mark Salerno

Presenter :

Designing, Constructing & Financing Healthy Housing


Presented to Participants of Project Neutral