Home Renovation Program
Run by Nunavut Housing Corporation · Also called HRP
The Home Renovation Program offers income-qualified households low-interest loans of up to $100,000 for insulation, high-efficiency heating and windows and doors in Nunavut. It’s a loan you repay, not a rebate.
Loans up to
$100,000
- If your household income qualifies
Verified
You apply on nunavuthousing.ca
At a glance
| Maximum amount | $100,000 CAD (2026)Forgivable loan up to $100,000, or rebate up to $20,000 |
|---|---|
| Funding type | Loan |
| Status | Open |
| Who can apply | Homeowners, Income-qualified |
| Energy assessment required | Not stated by the program |
| Income-tested | Yes, household income limits apply |
| Deadline | No end date published |
| Where | Nunavut |
| Level | Provincial |
| Run by | Nunavut Housing Corporation |
| Official page | nunavuthousing.ca/programs/homeownership |
| Last verified | |
| Verified by | Rebate Researcher, RebateHub |
| Confidence | HighEvery figure matches the official program pages. |
Home Renovation Program. RebateHub.ca, https://rebatehub.ca/rebates/nu-home-renovation-program#key-facts. Last verified October 12, 2026. Official source: https://www.nunavuthousing.ca/programs/homeownership
What you can get
| Upgrade | What you get | Up to |
|---|---|---|
| Renovations and repairs (forgivable loan)$40,000 to $100,000 depending on incomeForgiven at 20% a year in years six to ten. | $40,000 to $100,000 depending on income | $100,000 |
| Completed repairs (rebate stream)50% up to $20,000 lifetimeDeducted from any future HRP forgivable loan. | 50% up to $20,000 lifetime | $20,000 |
| Heating oil tank replacementCovered under the HRP | Covered under the HRP | Varies |
How it works
The Home Renovation Program funds major repairs and renovations to owner-occupied homes. Projects are ranked by priority: health and safety first, then overcrowding, then energy efficiency (building envelope, windows and doors, heating, electrical and plumbing systems), then weather resistance and durability.
The forgivable loan covers materials, freight and labour, and the amount depends on household income: up to $100,000 for incomes up to $125,000, $80,000 up to $150,000, $60,000 up to $175,000 and $40,000 up to the Average Income Required for Homeownership. Nothing is forgiven in the first five years; 20% is forgiven on each anniversary in years six to ten, as long as you keep living in the home.
There is also a rebate stream that pays 50% of eligible completed repairs, up to $20,000 over your lifetime, which is available to households above the income limit. Heating oil tank replacements, once a separate program, are now handled under the HRP, and it can be combined with the Emergency Repair Program.
Who qualifies
- At least 19 years old and living in Nunavut for at least two years
- Own (title or leasehold title) and live in the home as your principal residence
- Home at least five years old, within a Nunavut municipal boundary and connected to the QEC grid
- For the forgivable loan, household income below the Average Income Required for Homeownership
How to apply
Step 1: Download the HRP guide and the Repair Program application from Nunavut Housing Corporation
Step 2: Submit the application with income documents to NHC homeownership (homeownership@nunavuthousing.ca, 844-413-9355)
Step 3: NHC technical staff help plan the scope of work before construction
Get quotes from Nunavut 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 HRP
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, 2026OpenProvincialNunavut
Emergency Repair Program
Income-eligible Nunavut homeowners can get a grant of up to $15,000 for urgent repairs that threaten health or safety, such as a failed heating system or fuel supply.
$15,000
max grant, income-qualified
Grant - Last verified October 12, 2026OpenProvincialNunavut
Elders Housing Program
Nunavut homeowners aged 60 or older, or receiving a disability benefit, can get an annual grant of up to $5,000 for preventative maintenance and a one-time grant of up to $30,000 for repairs and aging-in-place changes.
$30,000
max grant
Grant
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Free
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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
Sources
Other sources we checked