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Rebate stacking means claiming more than one program for the same project. Programs come in four layers: federal, provincial, utility and municipal. Many combine, but three kinds of rule stop them: same-family exclusions, caps on the combined total, and limits on stacking bonuses.
Key facts
| What to know | |
|---|---|
| What it means | Using more than one program for the same upgrade or project |
| The four layers | Federal, provincial, utility and municipal |
| Rule 1: same family | Programs from the same administrator or funder rarely pay twice for the same equipment |
| Rule 2: combined caps | Many programs cap the total from all sources, such as 100% of the cost |
| Rule 3: bonus limits | Some bonuses can’t be combined with another bonus from the same program |
| Federal | Ottawa says the National Heat Pump Rebate will combine with provincial programs. It is not open yet |
| Loans | Stack for cash flow, but you repay them, so RebateHub leaves them out of stacked totals |
Rebate stacking at a glance, as of October 2026
The four layers
Federal, provincial and municipal governments, and many utilities, each run their own programs. In Ontario, for example, Home Renovation Savings is a provincial and utility rebate, and Toronto’s Home Energy Loan Program is a city loan that can be combined with provincial, utility and federal rebates.
Stacking is most likely to work across layers. The exclusions below mostly apply inside one layer, or to the same piece of equipment.
Three rules that stop programs from stacking
Same family, same equipment
- Ontario: Home Renovation Savings can’t be combined with another Enbridge, Save on Energy or Ontario government incentive for the same upgrade.
- B.C.: the Home Renovation Rebate and the income-qualified Energy Savings Program can’t both pay for the same upgrade.
- Québec: Rénoclimat can’t be combined with other Québec, federal or municipal aid, tax credits included, for the same work. A LogisVert heat pump alongside Rénoclimat wall insulation is fine, because it is different work.
Caps on the combined total
In Ontario, federal or municipal money can sit on top of Home Renovation Savings, as long as the total doesn’t exceed the cost of a heat pump or solar project, or 50% of the after-tax cost of attic insulation.
Bonus-on-bonus limits
LogisVert’s heat pump bonus for older rental buildings can’t be combined with its 5% multiple-measures bonus.
How to check before you sign
Read each program’s “combining” or “other funding” rule, and ask one question: is another program already paying for this exact equipment or work? Then sort out the order, because pre-approvals and assessments come before the contract.
Our heat pump stacking guide walks through worked examples by province and the order to apply in. The rebate finder adds up the programs that stack for your address.
See which programs apply to your home
Answer four questions and we add up every federal, provincial, utility and city rebate for your address. About a minute, no account.
Check my rebatesFrequently asked questions
Sources
Last updated . Amounts and rules come from the official program pages below. If something has changed, please tell us.
- 1Home Renovation Savings Program · Save on Energyhomerenovationsavings.ca
- 2Home Energy Loan Program · City of Torontotoronto.ca
- 3Home Renovation Rebate Program · BC Hydro and FortisBC, with funding from the Province of B.C.bchydro.com
- 4CleanBC Energy Savings Program (ground-oriented homes) · Province of B.C.betterhomesbc.ca
- 5Rénoclimat · Government of Québecquebec.ca
- 6LogisVert Efficient Homes Program · Hydro-Québechydroquebec.com
- 7National Heat Pump Rebate · Government of Canadacanada.ca
Related terms
- Rebate, grant, loan and tax credit
The four main ways home energy programs pay: rebates and grants you keep, loans you repay, and tax credits you claim on your return. Some programs also install upgrades at no cost or take money off at the checkout.
- LogisVert vs Rénoclimat
A side-by-side of Québec’s two main home renovation programs: Hydro-Québec’s LogisVert, which pays for heat pumps and electric heating, and the Québec government’s Rénoclimat, which pays for insulation, windows and resilience work.
- National Heat Pump Rebate vs Oil to Heat Pump Affordability
A side-by-side of Canada’s two federal heat pump programs: the announced National Heat Pump Rebate, which is not open yet, and the Oil to Heat Pump Affordability program, which is closed to new applicants.
Keep reading
Heat pumps · Stacking · 6 min read
Can you stack heat pump rebates? How to combine them
Often, yes. The exclusions, worked examples by province and the order to apply in, so two programs don't cancel each other out.
Heat pumps · Federal · 7 min read
Should you install now or wait for the National Heat Pump Rebate?
The federal rebate isn't open and has no launch date. When waiting is worth it, whether early installs count, and how to be ready on day one.
Heat pumps · Ontario · 9 min read
HRSP heat pump rebate by heating fuel: $7,500 vs $2,000
Why gas-heated Ontario homes get up to $2,000 for a heat pump and other homes up to $7,500, and when the HRSP assessment track pays more.