Federal Programs
Canada Greener Homes Grant
Canada Greener Homes Grant: (Currently closed to new applicants) While the grant program itself has closed, it's still a valuable resource for information on energy-efficient home improvements. This page also provides links to other available programs:
Canada Mortgage and Housing Corporation (CMHC
Canada Mortgage and Housing Corporation (CMHC): Offers various incentives and programs for first-time homebuyers, energy efficiency, and accessible housing:
Home Accessibility Tax Credit (HATC)
Home Accessibility Tax Credit (HATC): Provides a tax credit for eligible renovations to improve accessibility in the home:
Provincial Programs
Ontario Renovates Program
Ontario Renovates Program: Provides assistance for low- to moderate-income homeowners to make essential repairs:
Home Energy Conservation Loan Program (HECL)
Home Energy Conservation Loan Program (HECL): Low-interest loans for energy-efficient home improvements:
Save on Energy
Save on Energy: Offers rebates and incentives for various energy-efficiency upgrades: https://saveonenergy.ca/
Municiple Programs
City of Toronto Home Energy Loan Program (HELP)
City of Toronto Home Energy Loan Program (HELP): Low-interest loans for homeowners to finance energy-saving upgrades
BetterHomesTO
BetterHomesTO: A program offering incentives and support for home energy retrofits: https://betterhomesto.ca/
Finance Services
Home Equity Line of Credit (HELOC): Borrow against your home's equity to access funds for renovations. Flexible and often with lower interest rates.
Personal Loans: Unsecured loans with fixed interest rates and repayment terms. Good for smaller renovations.
Home Improvement Loans: Loans specifically for renovations, offered by banks, credit unions, and some renovation companies.
Government Loans: Some programs like the Ontario Home Energy Conservation Loan Program (HECL) and the City of Toronto Home Energy Loan Program (HELP) offer low-interest loans for energy-efficient upgrades.
