Frequently Asked Questions
What is the Canada Greener Homes Loan?
It is a federal interest-free loan of $5,000 to $40,000 repayable over 10 years, for eligible home energy retrofits including heat pumps, insulation, windows, doors, and roofing. It is administered through Natural Resources Canada.
Do I need an energy assessment to apply?
Yes. The program requires a pre-retrofit EnerGuide energy assessment by a NRCan-registered energy advisor before work begins, and a post-retrofit assessment to confirm the improvements were completed.
Can I combine this loan with other Ontario rebates?
Yes. Ontario homeowners can often stack the Greener Homes Loan with Enbridge HER+, Hydro One rebates, and the COHA program. The loan must be repaid, so pairing it with non-repayable grants maximizes your net benefit.
How to Apply for the Canada Greener Homes Loan in Ontario
-
1Book a pre-retrofit energy assessment
Hire a NRCan-registered energy advisor to conduct an EnerGuide home assessment before any work begins. The assessment documents your home's current energy performance.
-
2Complete eligible retrofits with a licensed contractor
Use a licensed contractor for the retrofit work. contractor.ca can match you with contractors who are familiar with Greener Homes documentation requirements.
-
3Book your post-retrofit assessment
After the work is complete, have your energy advisor return for a post-retrofit EnerGuide assessment to verify the improvements.
-
4Apply for the loan
Submit your application through the Canada Greener Homes portal with both assessment reports and contractor invoices. Approved loans are disbursed to your bank account.
Ready to start your project? We'll match you with licensed Ontario contractors.
Get Free Quotes →