The Canada Greener Homes Loan provides federal interest-free financing of up to $40,000 for eligible home energy retrofits. It is not a grant — the money is repaid — but at 0% interest over up to 10 years, it represents a powerful financing tool for major upgrades like heat pumps, insulation, and windows.
The Canada Greener Homes Loan is a federal program that provides interest-free financing to help Canadian homeowners complete energy-efficiency retrofits. It replaced the earlier Canada Greener Homes Grant (which provided direct rebates), shifting the model to a loan structure. The loan itself costs nothing to borrow — you repay the principal over up to 10 years with no interest charges.
For major retrofit projects — heat pump installations, comprehensive insulation upgrades, window replacements — the loan can be a meaningful complement to provincial rebates, covering costs that provincial programs don't fully offset.
A common misconception: the Canada Greener Homes Loan replaced the Greener Homes Grant. You will repay the full amount borrowed — the benefit is that you pay no interest. For a $20,000 upgrade financed over 10 years, this can represent $3,000–$5,000 in saved interest charges versus a conventional loan, depending on rates.
The pre-retrofit audit is a hard requirement — no exceptions. Any eligible measure completed before the audit date is ineligible for the loan.
The list of eligible measures is defined by Natural Resources Canada and may be updated. We confirm current eligibility for every specific measure before an application is submitted.
The Canada Greener Homes Loan can be stacked with most provincial rebate programs, including the Ontario HRS Program. This is the most powerful combination available to Ontario homeowners: provincial rebates reduce the net upgrade cost, and the federal loan finances the remaining balance at zero interest. We map the full combination — rebates applied first, loan covering the remainder — for every client.
The most powerful combination available: provincial rebates reduce your upfront cost, and the federal loan covers the rest at zero interest.
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