Home energy loans in Ontario
No rebate pays for home energy upgrades in right now, but 7 programs offer financing: up to $125,000 through the Better Homes Ottawa Loan Program and others. Loans are repaid, so we never add them to a rebate total.
8 current programs cover home energy upgrades in Ontario, from the federal government and 7 city and regional programs. Keep the invoice with the model numbers; you’ll need them to apply. Checked October 19, 2026.
Loans & financing · Ontario
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
- BHOLP (Ottawa)$125,000
- Durham Greener Homes (Durham Region)$125,000
- HELP (Toronto)$125,000
- Better Homes Peterborough (Peterborough)$50,000
- Guelph Greener Homes (Guelph)$50,000
- BetterHomes London (London)$40,000
- RetrofitWR (Waterloo Region, Cambridge)$40,000
8 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, 2026OpenMunicipalOttawa
Better Homes Ottawa Loan Program
Ottawa homeowners can borrow $10,000 to $125,000 at a fixed 4.33% over 20 years for energy retrofits, repaid on the property tax bill. The program also offers per-ton heat pump incentives and a limited-time $600 loan reduction for EnerGuide assessments.
$125,000
max loan
Loan - Last verified October 12, 2026OpenMunicipalDurham Region
Durham Greener Homes Loan Program
Durham Region homeowners (outside Pickering) can borrow up to $125,000 at a fixed 2% over 15 years for energy retrofits, repaid on the property tax bill, along with free coaching and a free weather-readiness home assessment.
$125,000
max loan
Loan - Last verified October 12, 2026OpenMunicipalToronto
Home Energy Loan Program
Toronto homeowners can borrow up to $125,000 at a fixed low rate for energy upgrades and repay it on the property tax bill over up to 20 years. Heat pump-only and solar-only projects no longer need an EnerGuide assessment.
$125,000
max loan
Loan - Last verified October 12, 2026OpenMunicipalPeterborough
Better Homes Peterborough
Peterborough homeowners and landlords can finance energy retrofits with a City loan of $10,000 to $50,000 at 4.50% fixed over 15 years, or a Kawartha Credit Union loan, and earn performance incentives of up to $3,600 for large energy savings.
$50,000
max loan
Loan - Last verified October 12, 2026OpenMunicipalLondon
BetterHomes London
London homeowners can borrow up to $40,000 at a fixed 2.5% rate for energy retrofits and repay it on the property tax bill over 10, 15 or 20 years. Households under the income limits can also get up to $10,000 in incentives that reduce what they repay.
$40,000
max loan
Loan - Last verified October 12, 2026OpenMunicipalWaterloo Region, Cambridge, North Dumfries
RetrofitWR
GrandBridge Energy customers in Cambridge and North Dumfries can borrow up to $40,000 at 2.5% for home energy retrofits, repaid on their monthly hydro bill, plus heat pump and income-qualified incentives. Free energy coaching is open to homeowners across Waterloo Region.
$40,000
max loan
Loan - Last verified October 12, 2026WaitlistMunicipalGuelph
Guelph Greener Homes
Guelph offers 0% interest loans of up to $50,000 for home energy upgrades, but loan funding is nearly used up and new applicants go on a waitlist. Low-income households can still apply for grants of up to $15,000 toward an air-source heat pump.
$50,000
max 0% loan
Interest-free loan
Closed programs for loans & financing5 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, 2026ClosedMunicipalKingston
Better Homes Kingston
Kingston's property-tax retrofit loan of up to $50,000, plus rebates for Utilities Kingston natural gas customers, came back in 2026 but is no longer taking applications. You can join the City's waitlist to hear about the next round.
$50,000
max loan
Loan - Last verified October 12, 2026ClosedMunicipalHamilton
Better Homes Hamilton Pilot Program
Hamilton's pilot offered 0% loans of up to $20,000 for insulation, air sealing and heat pumps, repaid through property taxes. It closed to applications on February 1, 2024.
$20,000
max 0% loan
Interest-free loan - Last verified October 17, 2026ClosedMunicipalBurlington
Better Homes Burlington Zero-Interest Heat Pump Loan
Burlington offered a limited number of zero-interest loans of up to $10,000 to help homeowners switch from gas or oil heating to an air-source heat pump. The loan has ended, but the City's free Better Homes Burlington concierge service continues.
$10,000
max 0% loan
Interest-free loan
If you were counting on a program that closed: what replaced Canada Greener Homes Loan and what replaced BHH.
Using rebate financing well in Ontario
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 Ontario
- Heat pumps13 current programsopen today, up to$7,500
- Insulation12 current programsopen today, up to$7,700
- Windows & doors10 current programs
- Air sealing11 current programsopen today, up to$250
- Water heaters9 current programsopen today, up to$500
- Smart thermostats8 current programsopen today, up to$300
- Energy audits9 current programsopen today, up to$600
- Solar panels9 current programsopen today, up to$5,000
- Home batteries6 current programsopen today, up to$5,000
- EV chargers4 current programs
- Electric vehicles2 current programsopen today, up to$5,100
- Furnaces & boilers1 current program
- Appliances3 current programsopen today, up to$200
- Free upgrades6 current programs
Get up to 3 quotes in Ontario
Tell us about your home. We’ll send your request to up to 3 installers who know the Ontario 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.