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Saanich home energy rebates and loans

The district’s Home Energy Navigator offers free energy advice. For an air-source heat pump, rebates add up to $5,000 today from the Home Renovation Rebate Program and the BC Hydro Air Source Heat Pump Bonus Rebate (Fall 2026). The federal National Heat Pump Rebate will add $2,000, or up to $10,000 below the median income, once it opens.

Saanich is Greater Victoria’s largest municipality, mostly detached houses from the post-war decades onward on the edge of farmland and the Saanich Peninsula. Winters are mild and wet, which suits heat pumps well, and the District’s financing is aimed at homes still heated with oil, gas or propane.

Programs last verified

A 1960s Saanich rancher with a low roof and big windows among Garry oaks, a heat pump unit beside the carport.

Saanich at a glance

Saanich’s own programs
2 current · 1 closed
Air-source heat pump, open today
$5,000
Heat pump financing
Up to $6,500
Current programs that apply here
19 local, B.C. and federal

Saanich’s own programs

Only for homes inside Saanich.

  • OpenMunicipal

    Home Energy Navigator (Greater Victoria)

    Greater Victoria homeowners can get free help from a local Energy Concierge to plan home energy upgrades, review contractor quotes and apply for rebates.

    Free

    Free upgrade
    Last verified October 17, 2026
  • OpenMunicipal

    Strata Energy Advisor (Victoria and Saanich)

    Condo stratas in Victoria and Saanich that use natural gas can get a free energy advisor and a decarbonization plan for the building.

    Free

    Free upgrade
    Last verified October 17, 2026
Closed Saanich programs1 program no longer taking applications, with what replaced them
  • ClosedMunicipalSaanich

    Saanich Heat Pump Financing Program

    Zero-interest financing of up to $12,000, repaid on your property taxes over 10 years, for Saanich homes replacing oil, gas or propane heat with an electric heat pump.

    $12,000

    max 0% loan

    Interest-free loan
    Last verified October 12, 2026

How Home Energy Navigator works

Open

The Home Energy Navigator is a free program created by the Capital Regional District (CRD) and local governments in the capital region. City Green Solutions, a local non-profit, runs it. After you register, an Energy Concierge holds a virtual home energy consultation, helps you choose upgrades, reviews quotes and helps with rebate applications. You also get a personalized retrofit guide.

What it pays
Free advice and support · Free upgrade
  • Energy Concierge support, virtual consultation and retrofit roadmapFree
  • Neighbourhood Energy Navigator Offer ($75 enhanced EnerGuide evaluation)$75 evaluation (offer full)
Who qualifies
  • Homeowners in the capital region, including the City of Victoria.
  • Special offers are limited and open only in select communities when available.
Steps, in order
  1. Register at homeenergynav.ca or call 1-866-381-9995 for help with registration.
  2. An Energy Concierge contacts you to book a free virtual consultation.
Energy assessment
No
Run by
Capital Regional District and local government partners (delivered by City Green Solutions)
Official Home Energy Navigator page(opens in a new tab)Full details and sourcesVerified

How Strata Energy Advisor works

Open

The City of Victoria launched the Strata Energy Advisor program in 2024 with the District of Saanich and the Zero Emissions Innovation Centre (ZEIC). An energy advisor works with the strata council, reviews whole-building utility data, visits the building and a few suites, and prepares a free plan that times upgrades like heat pumps with replacements the building already needs.

What it pays
Free energy advisor and decarbonization plan · Free upgrade
Who qualifies
  • A residential strata in an apartment-style building in the City of Victoria or the District of Saanich.
  • The building is four or more storeys above ground, or has at least 7 to 8 units per floor.
  • The building uses natural gas for heating, hot water, ventilation or fireplaces.
Steps, in order
  1. Take the eligibility quiz and register on the ZEIC Strata Energy Advisor page (strataenergyadvisorbc.ca).
  2. An advisor contacts the strata to review eligibility and goals, then the strata signs a participant agreement.
Energy assessment
No
Run by
Zero Emissions Innovation Centre, in partnership with the City of Victoria and District of Saanich
Official Strata Energy Advisor page(opens in a new tab)Full details and sourcesVerified

What an air-source heat pump can get in Saanich

Every rebate you could combine for an air-source heat pump in Saanich, with the district’s programs counted, if you qualify for each. Each program has its own rules about equipment, contractors and pre-approval, so treat this as the most you could get, not a quote.

Heat pump rebates in British Columbia

Heat pump · Saanich

As of October 19, 2026

Heat pump rebates available in Saanich, stacked
ProgramUp to
Provincial
PST Exemption on Heat PumpsHeat pump equipmentVaries
Utility
Home Renovation Rebate ProgramHeat pump, whole-home heating (replacing electric heat)$4,000
BC Hydro Air Source Heat Pump Bonus Rebate (Fall 2026)Closing soonWhole-home heat pump (Home Renovation Rebate Program)$1,000
Municipal
Strata Energy Advisor (Victoria and Saanich)Varies
Open today, up toProgram maximums for an air-source heat pump if you qualify for each. Loans are listed separately and never added.$5,000
When the National Heat Pump Rebate opens (not open yet)+ $2,000

Financing

Repayable, never added to the total

British Columbia and federal programs that also apply

These cover homes across British Columbia or Canada, so they stack on top of the district’s own programs.

Federal programs

Run by the Government of Canada. These apply everywhere.

5 programs

  • OpenFederal

    Multigenerational Home Renovation Tax Credit

    A refundable federal tax credit worth up to $7,000 for 2026 ($7,250 for 2025) for building a self-contained secondary unit so a senior or an adult with a disability can live with a relative.

    $7,000

    max credit

    Tax credit
    Last verified October 12, 2026
  • OpenFederal

    Electric Vehicle Affordability Program

    A point-of-sale discount of up to $5,000 on a new battery-electric or fuel-cell vehicle (up to $2,500 for plug-in hybrids), applied by the dealer. Amounts drop starting in 2027.

    $5,000

    max discount

    Instant discount
    Last verified October 12, 2026
  • OpenFederal

    Home Accessibility Tax Credit

    A non-refundable federal tax credit on up to $20,000 a year of renovations that make a home safer or more accessible for a senior or a person with a disability, worth up to $2,800 for 2026 ($2,900 for 2025).

    $2,800

    max credit

    Tax credit
    Last verified October 12, 2026
  • OpenFederal

    Canada Greener Homes Affordability Program

    Federally funded, no-cost home energy upgrades for low- and median-income homeowners and tenants. You apply through your province's or utility's partner program, not through Ottawa.

    Free

    Free upgrade
    Last verified October 12, 2026
  • UpcomingFederal

    National Heat Pump Rebate

    A new federal rebate announced on October 8, 2026 that will pay $2,000 toward an eligible cold-climate air-source heat pump, or up to $10,000 for households below the median income. Applications are not open yet.

    $2,000

    max rebate

    Up to $10,000 if income-qualified

    Rebate
    Last verified October 12, 2026

British Columbia programs

Run by the provincial or territorial government or its energy agency.

3 programs

  • OpenProvincial

    CleanBC Energy Savings Program (ground-oriented homes)

    Income-tested rebates, paid directly to registered contractors, that cover up to the full cost of a heat pump or heat pump water heater for lower- and middle-income B.C. households.

    $16,500

    max rebate, income-qualified

    Rebate
    Last verified October 12, 2026
  • OpenProvincial

    CleanBC Energy Savings Program Condo and Apartment Rebate

    Income-tested rebates of up to $5,000 for an in-suite heat pump and up to $3,500 for a heat pump water heater in electrically heated condos and apartments.

    $8,500

    max rebate, income-qualified

    Rebate
    Last verified October 12, 2026
  • OpenProvincial

    PST Exemption on Heat Pumps

    Heat pumps bought in B.C. are exempt from the 7% provincial sales tax, while fossil-fuel heating equipment is taxed at 12%.

    Varies

    Instant discount
    Last verified October 12, 2026

Utility programs

Offered by electricity and gas utilities to their own customers.

9 programs

  • OpenUtility

    Home Renovation Rebate Program

    Rebates for B.C. households of any income for heat pumps in electrically heated homes, insulation, windows and doors, and heat pump water heaters, plus larger heat pump rebates for northern homes leaving oil, gas or propane.

    $12,500

    max rebate

    Rebate
    Last verified October 12, 2026
  • OpenUtility

    FortisBC Heat Pump Rebate for Income-Qualified Customers

    Heat pump rebates of up to $12,000 for income-qualified FortisBC electricity customers replacing electric heat.

    $12,000

    max rebate, income-qualified

    Rebate
    Last verified October 12, 2026
  • OpenUtility

    BC Hydro Solar and Battery Rebates (Residential)

    Rebates of up to $5,000 for rooftop solar and up to $5,000 for a home battery enrolled in BC Hydro's Peak Saver program.

    $10,000

    max rebate

    Rebate
    Last verified October 12, 2026
  • OpenUtility

    FortisBC Heat Pump Loan

    Low-interest financing of up to $6,500 at 1.9% over ten years for FortisBC electricity customers replacing electric heat with an air source heat pump.

    $6,500

    max loan

    Loan
    Last verified October 12, 2026
  • OpenUtility

    FortisBC Insulation Rebates

    Rebates for adding insulation to attics, walls, basements and floors in homes heated by FortisBC natural gas or electricity.

    $5,800

    max rebate

    Rebate
    Last verified October 12, 2026
  • OpenUtility

    BC Hydro Condo and Apartment Rebate Program

    Rebates of up to $2,250 for an in-suite heat pump and $1,000 for a heat pump water heater in electrically heated condos, apartments and stacked townhomes, with no income test.

    $3,250

    max rebate

    Rebate
    Last verified October 12, 2026
  • OpenUtility

    BC Hydro Home EV Charger Rebate

    Rebate of half the cost of a Level 2 home EV charger, up to $350, with an extra $200 for a power management device.

    $550

    max rebate

    Rebate
    Last verified October 12, 2026
  • OpenUtility

    Energy Conservation Assistance Program

    Free home energy evaluation and no-cost installation of upgrades such as heat pumps, insulation and draft-proofing for income-qualified B.C. households.

    Free

    Free upgrade
    Last verified October 12, 2026
  • Closing soonUtility

    BC Hydro Air Source Heat Pump Bonus Rebate (Fall 2026)

    A limited-time extra $500 to $1,000 for BC Hydro customers who replace electric heat with an eligible air source heat pump installed, invoiced and paid between August 1 and October 31, 2026.

    $1,000

    max rebate

    Rebate
    Last verified October 19, 2026

Good to know in Saanich

Who supplies energy here

  • BC HydroElectricity
  • FortisBCNatural gas

Utility rebates only go to that utility’s customers. Check the name on your bill.

Wait for the bylaw
Saanich financing is approved by bylaw in batches. Fall 2026 participants can install their heat pump after Council adopts the bylaws, scheduled for November 23, 2026.
Oil tanks must go
Oil-heated homes have to remove all oil heating equipment and the tank, with Saanich Fire Department permits, to use the financing.
Half the spaces are income-qualified
Each year half of the program’s spaces are reserved for income-qualified households, and tenanted homes can join that stream.

Rebates by upgrade in Saanich

Totals include the district’s programs where they pay for that upgrade. Each link opens the full British Columbia breakdown.

Saanich rebate questions

Answers are generated from the programs above, so they change when the programs do.

Yes. As of October 19, 2026, the district’s Home Energy Navigator offers free energy advice; Strata Energy Advisor offers free energy advice. Saanich Heat Pump Financing Program has closed.

Up to $5,000 for an air-source heat pump today, from Home Renovation Rebate Program and BC Hydro Air Source Heat Pump Bonus Rebate (Fall 2026), if your home and equipment qualify. The National Heat Pump Rebate will add $2,000 (up to $10,000 below the median income) once it opens; it isn’t open yet. Income-qualified households can get up to $33,500 from programs open today. Financing is separate and never counted: FortisBC Heat Pump Loan (up to $6,500).

Programs run by different levels of government usually stack, but Home Energy Navigator doesn’t list specific programs it combines with. Check each program’s rules for the same upgrade before you count on both.

Homeowners in the capital region, including the City of Victoria. Special offers are limited and open only in select communities when available. Full rules are on the official program page.

Register at homeenergynav.ca or call 1-866-381-9995 for help with registration. An Energy Concierge contacts you to book a free virtual consultation.

Yes. Canada Greener Homes Affordability Program, CleanBC Energy Savings Program (ground-oriented homes), CleanBC Energy Savings Program Condo and Apartment Rebate, FortisBC Heat Pump Rebate for Income-Qualified Customers and 3 more offer free or enhanced support to income-qualified households. Income limits depend on household size.

BC Hydro: electricity; FortisBC: natural gas. Utility programs only apply to that utility’s own customers, so check whose name is on your bill.

Other British Columbia places with their own programs

See British Columbia rebates

Get up to 3 quotes from installers in Saanich

Tell us what you’re planning. We’ll send your request to up to 3 installers who work in Saanich and know the British Columbia rebate paperwork.

We’re independent. We never take rebate applications or charge you to apply; always apply through the official program.

Request quotes

Free, no obligation. We pass your request to up to 3 independent installers who serve your area and, where a program requires it, are registered with it.

  1. 1. Your project
  2. 2. Your contact details

Step 1 of 2: your project

What would you like quoted?

We use it to find installers who serve your area.

When would you like to start?
Do you own the home?
What kind of home is it?Optional
How do you heat it today?Optional
  • Installers checked against your program’s contractor list, where it has one
  • Installers pay us, never you
  • Sent to up to 3 installers who serve your area. We don't sell or rent lists.