Home energy loans in New Brunswick
No rebate pays for home energy upgrades in in Saint John right now, but one program offers financing: up to $10,000 through the Zero30 Heat Pump Rental Program in Saint John. Loans are repaid, so we never add them to a rebate total.
2 current programs cover home energy upgrades in New Brunswick, from the federal government and Saint John Energy. Keep the invoice with the model numbers; you’ll need them to apply. Checked October 19, 2026.
Loans & financing · New Brunswick
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 |
2 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 17, 2026OpenUtilitySaint John
Zero30 Heat Pump Rental Program
Saint John Energy rents ductless mini-split heat pumps with no upfront cost, from $55.36 a month for Saint John Energy customers, including installation, inspections, repairs and replacement. Customers with a good payment history can instead finance a heat pump of their choice, up to $10,000 over seven years.
$10,000
max loan
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 New Brunswick
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 New Brunswick
- Heat pumps6 current programsopen today, up to$1,500
- Insulation5 current programs
- Windows & doors3 current programs
- Air sealing5 current programsopen today, up to$550
- Water heaters2 current programsopen today, up to$550
- Smart thermostats2 current programsopen today, up to$45
- Energy audits3 current programs
- Furnaces & boilers2 current programsopen today, up to$1,000
- Appliances1 current programopen today, up to$150
- Free upgrades3 current programs
Get up to 3 quotes in New Brunswick
Tell us about your home. We’ll send your request to up to 3 installers who know the New Brunswick 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.