Canada Greener Homes Loan
Run by Canada Mortgage and Housing Corporation (with Natural Resources Canada)
The Canada Greener Homes Loan offered homeowners interest-free loans of up to $40,000 for heat pumps, insulation, air sealing and more across Canada. It closed to new applications on October 1, 2025; see what replaced it below.
Canada Greener Homes Loan is closed to new applications
It stopped accepting applications on October 1, 2025. If you already applied, follow up with Canada Mortgage and Housing Corporation (with Natural Resources Canada) directly. If you’re planning work now, these programs are open and cover the same upgrades.
The full story, with dates and every program that replaced it: what to use now that it has closed.
- Last verified October 12, 2026OpenFederalCanada-wide
Canada Greener Homes Affordability Program
Federally funded, no-cost home energy upgrades for low- and median-income homeowners and tenants. You apply through your province's or utility's partner program, not through Ottawa.
Free
Free upgrade - Last verified October 12, 2026UpcomingFederalCanada-wide
National Heat Pump Rebate
A new federal rebate announced on October 8, 2026 that will pay $2,000 toward an eligible cold-climate air-source heat pump, or up to $10,000 for households below the median income. Applications are not open yet.
$2,000
max rebate
Up to $10,000 if income-qualified
Rebate
Most current rebates now come from provinces and utilities
At a glance
| Maximum amount | $40,000 CAD (2026)$5,000 to $40,000 interest-free (closed) |
|---|---|
| Funding type | Interest-free loan |
| Status | Closed |
| Who can apply | Homeowners |
| Energy assessment required | Yes, before you start |
| Income-tested | No |
| Closed | October 1, 2025 |
| Where | Canada |
| Level | Federal |
| Run by | Canada Mortgage and Housing Corporation (with Natural Resources Canada) |
| Official page | natural-resources.canada.ca/energy-efficiency/home-energy-efficiency/canada-greener-homes-initiative/canada-greener-homes-loan |
| Last verified | |
| Verified by | Rebate Researcher, RebateHub |
| Confidence | HighEvery figure matches the official program pages. |
Canada Greener Homes Loan. RebateHub.ca, https://rebatehub.ca/rebates/ca-canada-greener-homes-loan#key-facts. Last verified October 12, 2026. Official source: https://natural-resources.canada.ca/energy-efficiency/home-energy-efficiency/canada-greener-homes-initiative/canada-greener-homes-loan
What you can get
| Upgrade | What you get | Up to |
|---|---|---|
| Interest-free retrofit loan, 10-year term$5,000 to $40,000Up to 15% advance (25% in the North or off-grid). Closed to new applicants. | $5,000 to $40,000 | $40,000 |
How it works
The Canada Greener Homes Loan offered homeowners an unsecured, interest-free loan of between $5,000 and $40,000, repayable over 10 years, to pay for retrofits recommended in an EnerGuide evaluation. Part of the loan could be advanced upfront to cover contractor deposits.
The last day to apply was October 1, 2025, and the program is now closed to new applicants. Borrowers who were already approved may continue their retrofits and submit funding requests through the loan portal.
There is currently no federal replacement loan for individual homeowners. Many provinces and municipalities run their own low- or zero-interest retrofit loans.
Who qualifies
- Closed to new applicants since October 1, 2025
- Previously approved borrowers can continue their projects
How applications worked
Step 1: New applications are not accepted
Step 2: Existing borrowers: log in to the loan portal to submit post-retrofit results and funding requests
Still planning the upgrade? Get up to 3 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.