Home energy loans in Manitoba
No rebate pays for home energy upgrades in right now, but 2 programs offer financing: up to $20,000 through the Manitoba Hydro Home Energy Efficiency Loan and others. Loans are repaid, so we never add them to a rebate total.
3 current programs cover home energy upgrades in Manitoba, from the federal government, the province and Manitoba Hydro. Keep the invoice with the model numbers; you’ll need them to apply. Checked October 19, 2026.
Loans & financing · Manitoba
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 |
Financing
Repayable, never added to the total
3 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, 2026OpenProvincialManitoba
Affordable Home Energy Program: Ground Source Heat Pump Offer
Qualifying Manitoba homeowners can install a ground source (geothermal) heat pump with no upfront cost and repay a fixed, interest-free $75 a month for 15 years ($13,500 in total) on their energy bill.
Varies
Interest-free loan - Last verified October 12, 2026OpenUtilityManitoba
Manitoba Hydro Home Energy Efficiency Loan
On-bill financing from Manitoba Hydro of up to $12,500 per home, or up to $20,000 when it includes a ground source heat pump or solar, at 6.20% for the first five years.
$20,000
max loan per home
Loan
Closed programs for loans & financing2 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
If you were counting on a program that closed: what replaced Canada Greener Homes Loan.
Using rebate financing well in Manitoba
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 Manitoba
- Heat pumps7 current programsopen today, up to$2,000
- Insulation5 current programs
- Windows & doors5 current programsopen today, up to$100
- Air sealing4 current programsopen today, up to$1,000
- Water heaters1 current program
- Smart thermostats3 current programsopen today, up to$50
- Energy audits3 current programsopen today, up to$400
- Solar panels3 current programsopen today, up to$5,000
- EV chargers1 current program
- Electric vehicles2 current programsopen today, up to$9,000
- Furnaces & boilers3 current programs
- Free upgrades3 current programs
Get up to 3 quotes in Manitoba
Tell us about your home. We’ll send your request to up to 3 installers who know the Manitoba 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.