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Homeowner & Renovation

Canada Greener Homes Loan

Interest-free financing up to $40,000 for major energy-efficient home retrofits.

Who it's for

HomeownersOntario / Canada

Official source

Natural Resources Canada ↗Verify current details here

Last reviewed

2026Subject to change

Overview

The Greener Homes Loan offers interest-free loans up to $40,000 (10-year term) for eligible retrofits such as heat pumps, insulation, windows and renewable energy. (Note: the separate Greener Homes Grant closed to new applicants in 2024; the loan continues.)

Eligibility

✓  Canadian homeowner (primary residence)
✓  Eligible retrofit identified through an energy advisor evaluation

Benefits

★  Interest-free loan up to $40,000
★  10-year repayment term
★  Funds major upgrades without upfront cost

How to Apply

→  Book a pre-retrofit EnerGuide evaluation
→  Apply for the loan and complete approved upgrades
→  Submit documentation for funding
Official program details — Natural Resources Canada ↗

Canada Greener Homes Loan — FAQs

Common questions about this program.

Is the Greener Homes Grant still available?

The grant closed to new applicants in 2024; the interest-free loan is still available.

Related Resources

All Government Programs → Free Home Evaluation → Buyer Resources → Mortgage Calculator → Land Transfer Tax Calculator → FHSA / RRSP / TFSA Guide →

Buying, selling, investing or leasing in Ontario?

Contact Tej Thakor, Broker of Record at Royal LePage Terra Realty, for professional real estate guidance across the GTA and surrounding areas — in English, Hindi & Gujarati.

This page is for general informational purposes only and is not legal, tax, or financial advice. Program details, eligibility, amounts, and deadlines change frequently — confirm current information with Natural Resources Canada (linked above) and consult a qualified professional before relying on this information.
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