Your Guide to Canada’s Home Energy Retrofit Loans & Rebates (2025)

Introduction

If you’re a Canadian homeowner looking to cut your energy bills while making your home more efficient and climate-resilient, Canada’s home energy retrofit loan and local rebate programs are a great place to start.

While the Canada Greener Homes Grant has officially closed as of 2025, the Canada Greener Homes Loan remains available—alongside robust provincial and utility rebates.

In this guide, we’ll break down the current loan program, eligible upgrades, and how to combine it with local incentives to unlock serious savings.

What Is the Canada Greener Homes Loan?

The Canada Greener Homes Loan is a federal initiative that offers interest-free financing for home energy retrofits.

Loan Details:

• Up to $40,000, interest-free
• Repayable over 10 years
• Must be paired with an EnerGuide audit
• Covers upgrades like:
  • Insulation
  • ENERGY STAR® windows and doors
  • Cold-climate heat pumps
  • Solar PV (if combined with other retrofits)
  • Smart thermostats

This loan is ideal for homeowners who want to spread the cost of major energy-saving upgrades while enjoying lower utility bills over time.

What Upgrades Qualify?

Eligible retrofits include:

• Insulation: Attic, walls, basements, and crawl spaces
• Air Sealing: Weatherstripping and sealing for improved comfort
• Windows & Doors: ENERGY STAR® rated models
• Heat Pumps: Cold climate air-source or ground-source systems
• Solar PV: Bundled with other upgrades
• Smart Thermostats: Eligible for modest rebates

Example: Bundling Rebates for Bigger Wins

Example:
In British Columbia, a family upgraded their attic insulation and installed a cold-climate heat pump. Here’s how they saved:

CleanBC Better Homes Program:

• Up to $16,000 in combined rebates
• Additional $1,200+ for bundling

Canada Greener Homes Loan:

• $25,000 interest-free loan to finance the work

By combining provincial and federal programs, they significantly reduced their upfront costs—and eliminated their gas furnace entirely.

Tips for Maximizing Your Savings

Tips for Success:

• Start with an EnerGuide audit: Required for the federal loan and helps prioritize upgrades
• Bundle upgrades: Combine insulation, heat pumps, and windows for higher local rebates
• Use certified contractors: Ensures eligibility and quality
• Check your province’s programs: Many offer major rebates that stack with the federal loan
• Apply early: Local funding can run out seasonally

Conclusion

While the Canada Greener Homes Grant has ended, Canada’s retrofit landscape still offers major financial support through the interest-free loan and provincial incentive programs.

Whether you’re upgrading your heating system, reinsulating, or installing solar panels, there’s still a clear and cost-effective path forward.