Home energy loans in British Columbia
No rebate pays for home energy upgrades in right now, but 4 programs offer financing: up to $16,000 through the Nelson Hydro On-Bill Financing and others. Loans are repaid, so we never add them to a rebate total.
6 current programs cover home energy upgrades in British Columbia, from the federal government, FortisBC and 4 city and regional programs. Keep the invoice with the model numbers; you’ll need them to apply. Checked October 19, 2026.
Loans & financing · British Columbia
As of October 19, 2026
| Program | Up to |
|---|---|
| No rebates or grants that every household can claim are listed for this yet. | |
| Open today, up toProgram maximums if you qualify for each. Loans and city-only programs aren’t added. | $0 |
Also available in some cities
Not added to the total
Financing
Repayable, never added to the total
6 current programs for loans & financing
Home energy loans in every province- Last verified October 12, 2026OpenFederalCanada-wide
CMHC Eco Plus
A 25% refund of your CMHC mortgage insurance premium when you buy a newly built, energy-efficient home with a CMHC-insured mortgage.
Varies
Rebate - Last verified October 12, 2026OpenUtilityBritish Columbia
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, 2026OpenMunicipalNelson
Nelson Hydro On-Bill Financing (EcoSave Energy Retrofit Loan)
City of Nelson homeowners can borrow up to $16,000 for energy efficiency upgrades and repay it on their Nelson Hydro electric bill. The July 2026 terms show a 3.5% fixed rate over 2, 5 or 10 years.
$16,000
max loan
Loan - Last verified October 12, 2026OpenMunicipalCentral Saanich
Central Saanich Heat Pump Financing Program
Central Saanich offers up to $12,000 in interest-free financing, repaid on the property tax bill over 10 years, to replace an oil, propane or natural gas furnace or boiler with an electric heat pump. Funding for 2026 covers only four homes.
$12,000
max 0% loan
Interest-free loan - Last verified October 12, 2026OpenMunicipalRegional District of Central Kootenay, Nelson, Castlegar, Creston, Kaslo, Nakusp, New Denver, Salmo, Silverton, Slocan
HomeSave Central Kootenays Retrofit Rebate and Loan Access
Homes anywhere in the Regional District of Central Kootenay can earn a $2,500 or $5,000 rebate for upgrades that cut energy use by at least 20% or 50%, plus free advice, subsidized EnerGuide evaluations and access to a credit union retrofit loan.
$5,000
max rebate
Rebate - Last verified October 19, 2026Closing soonMunicipalNanaimo
Nanaimo Home Energy Retrofit Financing Program
Nanaimo homeowners can borrow up to $15,000 interest-free for heat pumps, insulation, windows and doors, solar and batteries, repaid over 10 years on the property tax bill. The current intake runs September 14 to October 31, 2026.
$15,000
max 0% loan
Interest-free loan
Closed programs for loans & financing3 programs no longer taking applications, with what replaced them
- Last verified October 12, 2026ClosedFederalCanada-wide
Canada Greener Homes Loan
An interest-free loan of $5,000 to $40,000 for energy retrofits that closed to new applicants on October 1, 2025. Homeowners already approved can still finish their projects.
$40,000
max 0% loan
Interest-free loan - Last verified October 12, 2026ClosedFederalCanada-wide
Canada Secondary Suite Loan Program
A proposed low-interest federal loan of up to $80,000 for adding a secondary suite. It never opened to applicants, and Budget 2025 confirmed it will not be implemented.
Varies
Loan - Last verified October 12, 2026ClosedMunicipalSaanich
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
If you were counting on a program that closed: what replaced Canada Greener Homes Loan.
Using rebate financing well in British Columbia
Each program’s own rules come first.
- Loans don't reduce your cost
- Loans spread the cost out; rebates and grants reduce it. Count them separately when you compare offers.
- Read the repayment terms
- Municipal programs often attach repayment to your property tax bill. Check what happens if you sell the home.
- Line up the rebates first
- Many loans cover your costs before rebates arrive. Make sure the rebate applications are in order so the loan isn't larger than you need.
Other upgrades in British Columbia
- Heat pumps19 current programsopen today, up to$5,000
- Insulation8 current programsopen today, up to$6,700
- Windows & doors6 current programsopen today, up to$2,000
- Air sealing6 current programs
- Water heaters8 current programsopen today, up to$1,000
- Energy audits8 current programs
- Solar panels5 current programsopen today, up to$5,000
- Home batteries3 current programsopen today, up to$5,000
- EV chargers3 current programsopen today, up to$350
- Furnaces & boilers1 current program
- Appliances2 current programs
- Free upgrades6 current programs
Get up to 3 quotes in British Columbia
Tell us about your home. We’ll send your request to up to 3 installers who know the British Columbia rebate paperwork for home energy upgrades.
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. Your project
- 2. Your contact details
- 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.