Home energy loans in Nova Scotia
No rebate pays for home energy upgrades in in Halifax right now, but 2 programs offer financing: through the HalifACT Home Energy Upgrade Program in Halifax and others. Loans are repaid, so we never add them to a rebate total.
3 current programs cover home energy upgrades in Nova Scotia, from the federal government and Halifax. Keep the invoice with the model numbers; you’ll need them to apply. Checked October 19, 2026.
Loans & financing · Nova Scotia
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 |
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, 2026OpenMunicipalHalifax
HalifACT Home Energy Upgrade Program
Owners of oil-heated Halifax homes built before 2000 can finance heat pumps, insulation and electric water heaters at a fixed 4.75% over 10 years, if the upgrades cut the home's energy use by at least half.
Varies
Loan - Last verified October 11, 2026OpenMunicipalHalifax
Solar City
Halifax property owners can finance a solar installation through the municipality at a fixed rate and repay it over ten years as a charge separate from their tax bill.
Varies
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, 2026ClosedMunicipalAmherst, Bridgewater, Cumberland County, East Hants, District of Lunenburg, Victoria County, District of Barrington, District of Chester, District of Digby, Inverness County, New Glasgow, District of Yarmouth
Clean Energy Financing
Clean Energy Financing, which let homeowners in 12 Nova Scotia municipalities repay energy upgrades through their property tax bill, is no longer accepting new applications.
$40,000
max loan
Loan
If you were counting on a program that closed: what replaced Canada Greener Homes Loan.
Using rebate financing well in Nova Scotia
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 Nova Scotia
- Heat pumps7 current programs
- Insulation6 current programsopen today, up to$1,500
- Windows & doors2 current programs
- Air sealing4 current programsopen today, up to$200
- Water heaters4 current programsopen today, up to$1,600
- Smart thermostats3 current programsopen today, up to$205
- Energy audits4 current programs
- Solar panels2 current programs
- Furnaces & boilers2 current programsopen today, up to$1,000
- Appliances1 current programopen today, up to$150
- Free upgrades5 current programs
Get up to 3 quotes in Nova Scotia
Tell us about your home. We’ll send your request to up to 3 installers who know the Nova Scotia 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.