HalifACT Home Energy Upgrade Program
Run by Halifax Regional Municipality · Also called HHEU
The HalifACT Home Energy Upgrade Program offers homeowners low-interest loans for heat pumps, insulation and water heaters in Halifax, Nova Scotia. You need an energy assessment before any work starts.
Loans up to
Financing at 4.75% over 10 years
Verified
At a glance
| Maximum amount | Financing at 4.75% over 10 years |
|---|---|
| Funding type | Loan |
| Status | Open |
| Who can apply | Homeowners |
| Energy assessment required | Yes, before you start |
| Income-tested | No |
| Deadline | No end date published |
| Where | Halifax, Nova Scotia |
| Level | Municipal |
| Run by | Halifax Regional Municipality |
| Official page | halifax.ca/about-halifax/environment-climate-change/halifact-energy-upgrade |
| Last verified | |
| Verified by | Rebate Researcher, RebateHub |
| Confidence | HighEvery figure matches the official program pages. |
HalifACT Home Energy Upgrade Program. RebateHub.ca, https://rebatehub.ca/rebates/ns-halifax-halifact-home-energy-upgrade#key-facts. Last verified October 12, 2026. Official source: https://www.halifax.ca/about-halifax/environment-climate-change/halifact-energy-upgrade
What you can get
| Upgrade | What you get | Up to |
|---|---|---|
| Oil-to-heat-pump conversion and insulation financing (Local Improvement Charge)Covers approved upgrade costs at a fixed 4.75%, repaid over 10 yearsThe municipality's pilot found average upgrade costs of about $30,000 to reach a 50% energy reduction. | Covers approved upgrade costs at a fixed 4.75%, repaid over 10 years | Varies |
How it works
The HalifACT Home Energy Upgrade program, launched in April 2026, finances deep energy upgrades for oil-heated homes in the Halifax Regional Municipality. The municipality pays your installers, then places a voluntary Local Improvement Charge on the property. You repay it once a year, separately from your property tax bill, over 10 years at a fixed 4.75%. You can pay off the balance at any time without penalty, and the charge can transfer to a buyer if both parties agree.
Eligible work includes heat pumps from Efficiency Nova Scotia's eligible list, removing the old oil tank and furnace, electrical service upgrades needed for the heat pump, duct changes, HRV/ERVs, electric water heaters and attic, basement, crawlspace and exterior wall insulation. The upgrades must be recommended in your home energy assessment and add up to an estimated 50% or greater cut in energy use. Solar isn't included, so use the Solar City program for that.
A free Navigator guides you through registration, the assessment, contractor quotes and the participant agreement. Financing is limited to about 100 homes.
Who qualifies
- You own a residential property in the Halifax Regional Municipality that isn't used to earn business income.
- The home was built before 2000 and is heated mainly with oil.
- Property taxes and other municipal charges are paid up, and any municipal lien is paid or on a payment plan.
- The recommended upgrades must achieve an estimated 50% or greater reduction in energy use, including the minimum heat pump and insulation specifications from your assessment.
- The participant agreement must be signed by all owners and the municipality before installation starts.
How to apply
Step 1: Register through the HHEU registration page or call a Navigator at 902-812-5028 (hfxnavigator@switchpace.org).
Step 2: Book a home energy assessment (typically about $200) and send the report to the Navigator.
Step 3: If a 50% reduction is achievable, get contractor quotes for the recommended upgrades and submit them.
Step 4: Sign the participant agreement, have the work done, then complete the post-retrofit assessment.
Step 5: The municipality pays the installers and adds the Local Improvement Charge to the property.
Get quotes from Nova Scotia 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.
Book an energy assessment
Many rebates need an EnerGuide assessment before any work starts. We'll pass your request to up to 2 energy advisors who serve your area. Free to ask, no obligation; the advisor quotes their fee, and some programs rebate part of it.
- 1. Your project
- 2. Your contact details
- Book it before you sign any contract. Work done before the assessment can disqualify you.
- Energy advisors pay us, never you
- Sent to up to 2 installers who serve your area. We don't sell or rent lists.
Related programs
- 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, 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, 2026OpenProvincialNova Scotia
Home Energy Assessment Program
Any Nova Scotia homeowner can book an EnerGuide home energy assessment and then claim up to $5,000 in rebates for the recommended upgrades they complete, regardless of income or heating fuel.
$5,000
max rebate
Rebate - Last verified October 19, 2026OpenProvincialNova Scotia
Moderate Income Rebate
Moderate-income homeowners who heat mainly with oil, propane or another non-electric fuel can get a free home energy assessment and up to $5,000 in extra rebates on top of the regular Home Energy Assessment rebates.
$5,000
max rebate, income-qualified
Rebate
Sources
Other sources we checked
- halifax.ca/home/news/halifact-home-energy-upgrade-program-launches
- halifax.ca/about-halifax/environment-climate-change/halifact-energy-upgrade/guide-hheu-program-financing
- halifax.ca/about-halifax/environment-climate-change/halifact-energy-upgrade/registering-home-energy-upgrade
- halifax.ca/about-halifax/environment-climate-change/halifact-energy-upgrade/home-energy-upgrade-guide
- halifax.ca/about-halifax/environment-climate-change/halifact-home-energy-upgrade-program/frequently-asked