Manitoba Hydro Home Energy Efficiency Loan
Run by Manitoba Hydro
The Manitoba Hydro Home Energy Efficiency Loan offers homeowners and landlords low-interest loans of up to $20,000 for heat pumps, insulation, air sealing and more in Manitoba. Use a contractor registered with the program.
Loans up to
$20,000
Verified
You apply on hydro.mb.ca
No one from this program will knock on your door. Before you sign, check that your installer is on the program’s contractor list.
At a glance
| Maximum amount | $20,000 CAD (2026)Up to $12,500 per home ($20,000 with geothermal or solar) |
|---|---|
| Funding type | Loan |
| Status | Open |
| Who can apply | Homeowners, Landlords |
| Energy assessment required | No |
| Income-tested | No |
| Deadline | No end date published |
| Where | Manitoba |
| Level | Utility |
| Run by | Manitoba Hydro |
| Official page | hydro.mb.ca/account/loans/home-energy-efficiency-loan |
| Last verified | |
| Verified by | Rebate Researcher, RebateHub |
| Confidence | HighEvery figure matches the official program pages. |
Manitoba Hydro Home Energy Efficiency Loan. RebateHub.ca, https://rebatehub.ca/rebates/mb-manitoba-hydro-home-energy-efficiency-loan#key-facts. Last verified October 12, 2026. Official source: https://www.hydro.mb.ca/account/loans/home-energy-efficiency-loan/
What you can get
| Upgrade | What you get | Up to |
|---|---|---|
| Ground source heat pump or solar PVUp to $20,00015-year term; all loans on the home combined cannot exceed $20,000. | Up to $20,000 | $20,000 |
| Cold climate air source heat pumpUp to $10,00015-year term. | Up to $10,000 | $10,000 |
| Natural gas furnace or boilerUp to $7,50015-year term. | Up to $7,500 | $7,500 |
| Insulation, air sealing, windows/doors, water heating, space heating, ventilationUp to $7,500 each5-year term. | Up to $7,500 each | $7,500 |
| Central air conditioning, conventional air source heat pump, electrical upgrades, radon mitigationUp to $5,000 each5-year term. | Up to $5,000 each | $5,000 |
| Level 2 EV chargerUp to $3,0005-year term. | Up to $3,000 | $3,000 |
How it works
Manitoba Hydro lends homeowners money for qualifying energy upgrades and adds the payments to the monthly energy bill. There is no down payment, and Manitoba Hydro pays the contractor or retailer directly. The rate is 6.20% (on approved credit) for the first five years; after that the rate is based on market rates.
Total borrowing is capped at $12,500 per home. Ground source heat pumps and solar PV systems can be financed up to $20,000 over 15 years, and all loans on a home cannot exceed $20,000 combined. Other limits include $10,000 for cold climate air source heat pumps (15 years), $7,500 for natural gas furnaces and boilers (15 years), $7,500 each for insulation, air sealing, windows and doors, water heating, space heating and ventilation (5 years), $5,000 for central air, conventional air source heat pumps, electrical upgrades and radon mitigation, and $3,000 for a Level 2 EV charger.
Applications must be approved before any work starts or materials are bought. Efficiency Manitoba rebates can be combined with the loan.
Who qualifies
- Owner of the home with an active Manitoba Hydro account and approved credit
- Detached or semi-detached home (or mobile home on a permanent foundation) that is your or your tenant's primary residence
- Upgrades meet Manitoba Hydro's efficiency levels; no used equipment; gas and electrical work by licensed trades
- Approval before any work or purchase; for DIY projects only materials are financed
How to apply
Step 1: Check eligibility, then contact a participating contractor or retailer, who helps you apply
Step 2: Wait for approval before starting work or buying materials
Step 3: Sign the completion certificate when the work is done so Manitoba Hydro pays your supplier
Step 4: Repay through monthly bill payments (minimum $500 financed, minimum $15 payment)
Get quotes from Manitoba installers
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.
Stacks with this program
The program says these can be combined with it for the same home. Check each one’s rules for the same upgrade before you count on both.
- Last verified October 12, 2026OpenProvincialManitoba
Efficiency Manitoba Home Insulation Rebate
Rebates on insulation for attics, roofs, walls and foundations in Manitoba homes, based on area and R-value added, plus up to $1,000 extra for air sealing.
Varies
Rebate - Last verified October 12, 2026OpenProvincialManitoba
Efficiency Manitoba Cold Climate Air Source Heat Pump Rebate
A $2,000 rebate for a centrally ducted or $1,500 for a ductless cold climate air source heat pump added to an existing Manitoba home.
$2,000
max rebate
Rebate - Last verified October 12, 2026OpenProvincialManitoba
Efficiency Manitoba Smart Thermostat Rebate
A $50 rebate on an ENERGY STAR certified smart thermostat installed in a Manitoba home.
$50
max rebate
Rebate - Last verified October 12, 2026OpenProvincialManitoba
Efficiency Manitoba Windows and Doors Rebate
A $100 rebate for each ENERGY STAR certified triple-pane window, entry door or sliding glass door that replaces an existing one in a Manitoba home; income-qualified households get $300 each.
Varies
Rebate - Last verified October 12, 2026OpenProvincialManitoba
Efficiency Manitoba Solar Rebate for Homes
Manitoba homeowners connected to Manitoba Hydro's grid can get $0.50 per watt, up to $5,000, for a new solar PV system of up to 10 kW.
$5,000
max rebate
Rebate - Last verified October 12, 2026OpenProvincialManitoba
Efficiency Manitoba Home Energy Retrofits
A performance-based rebate for deep home renovations in Manitoba: $75 for every gigajoule of annual energy saved up to typical new-home performance, and $150 per gigajoule beyond it.
Varies
Rebate