Canada Secondary Suite Loan Program
Run by Canada Mortgage and Housing Corporation · Also called CSSLP
The Canada Secondary Suite Loan Program offered homeowners low-interest loans for accessibility renovations across Canada. It closed to new applications; see what replaced it below.
Canada Secondary Suite Loan Program is closed to new applications
If you already applied, follow up with Canada Mortgage and Housing Corporation directly. If you’re planning work now, these programs are open and cover the same upgrades.
- Last verified October 12, 2026OpenFederalCanada-wide
Multigenerational Home Renovation Tax Credit
A refundable federal tax credit worth up to $7,000 for 2026 ($7,250 for 2025) for building a self-contained secondary unit so a senior or an adult with a disability can live with a relative.
$7,000
max credit
Tax credit - Last verified October 12, 2026OpenFederalCanada-wide
Home Accessibility Tax Credit
A non-refundable federal tax credit on up to $20,000 a year of renovations that make a home safer or more accessible for a senior or a person with a disability, worth up to $2,800 for 2026 ($2,900 for 2025).
$2,800
max credit
Tax credit
Most current rebates now come from provinces and utilities
At a glance
| Maximum amount | Cancelled before launch (proposed up to $80,000) |
|---|---|
| Funding type | Loan |
| Status | Closed |
| Who can apply | Homeowners |
| Energy assessment required | No |
| Income-tested | No |
| Closed | Date not published |
| Where | Canada |
| Level | Federal |
| Run by | Canada Mortgage and Housing Corporation |
| Official page | budget.canada.ca/2025/report-rapport/anx3-en.html |
| Last verified | |
| Verified by | Rebate Researcher, RebateHub |
| Confidence | HighEvery figure matches the official program pages. |
Canada Secondary Suite Loan Program. RebateHub.ca, https://rebatehub.ca/rebates/ca-canada-secondary-suite-loan-program#key-facts. Last verified October 12, 2026. Official source: https://budget.canada.ca/2025/report-rapport/anx3-en.html
How it works
The Canada Secondary Suite Loan Program was announced in Budget 2024, with $409.6 million for CMHC, as a low-interest loan to help homeowners add basement apartments, garden suites or laneway homes. In December 2024 the government proposed raising the maximum from $40,000 to $80,000, at a 2% rate over 15 years, with a launch planned for early 2025.
The program never opened. Budget 2025, as part of a spending review at CMHC, said it would not be implemented because it would largely overlap with the insured-mortgage changes announced in January 2025.
Many websites still describe this loan as available. Homeowners who want to build a suite can instead ask their lender about insured mortgage refinancing for secondary suites, and should check the Multigenerational Home Renovation Tax Credit if the unit is for a senior or a relative with a disability.
Who qualifies
- Not available: the program was cancelled before launch
How applications worked
Step 1: No applications were ever accepted
Step 2: Ask your lender about insured mortgage refinancing for a secondary suite instead
Step 3: If the unit is for a senior or adult with a disability, see the Multigenerational Home Renovation Tax Credit
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.
Sources
Other sources we checked