Ontario homeowners are constantly seeking ways to upgrade their properties, whether to improve energy efficiency, increase home value, or enhance comfort. The good news is, the Ontario Home Renovation Savings Program (a collective term for provincial and federal grants, rebates, tax credits, and low-interest loans) provides financial incentives to help homeowners reduce renovation costs.
This guide breaks down how the program works, who’s eligible, the types of renovations covered, and how to apply.
What is the Ontario Home Renovation Savings Program?
This program isn’t a single grant, it includes various government-backed incentives that help homeowners save money on renovations, especially those related to:
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Energy efficiency upgrades
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Accessibility improvements
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Home safety and aging-in-place modifications
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Structural repairs for low-income households
These programs are available through the Government of Ontario, CMHC, Canada Greener Homes Initiative, municipal governments, Enbridge Gas, Hydro providers, and non-profit organizations.
Top Savings Programs & Grants Available in Ontario
| Canada Greener Homes Grant |
Up to $5,000 for energy-efficient upgrades |
Primary residence; pre- and post-renovation energy audits required |
| Enbridge Home Efficiency Rebate Plus (HER+) |
Up to $10,000 for insulation, windows, doors, heat pumps |
Enbridge customers; energy audit required |
| Home Accessibility Tax Credit (HATC) |
15% tax credit, up to $3,000 savings |
Seniors (65+) or people with disabilities |
| GST/HST New Housing Rebate |
Refund on a portion of the GST/HST paid on major renovations |
Substantial renovation or new build |
| Ontario Renovates Program (Municipal) |
Up to $25,000 forgivable loan for essential repairs and accessibility |
Low-to-moderate income households |
| Better Homes Ottawa / Toronto Home Energy Loan Program (HELP) |
Low-interest loans for energy retrofits paid through property taxes |
Homeowners in participating municipalities |
| CMHC Accessibility Modifications Program |
Financial assistance for accessibility upgrades |
Disabled or low-income households |
Eligible Renovations & Upgrades
Energy Efficiency Improvements
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Attic, wall, and basement insulation
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High-performance windows and doors
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Heat pumps, high-efficiency furnaces and water heaters
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Solar panel installations
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Smart thermostats and energy monitoring systems
Accessibility & Aging in Place
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Wheelchair ramps and stairlifts
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Walk-in tubs and curbless showers
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Widened doorways and hallways
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Handrails, grab bars, and non-slip flooring
Essential Repairs (Ontario Renovates)
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Structural fixes (foundation, roof, floors)
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Plumbing and electrical upgrades
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Mold removal, ventilation improvement
How to Apply – Step-by-Step
1. Identify the Right Program
Determine whether your renovation focuses on energy upgrades, accessibility, or essential repairs.
2. Confirm Eligibility
Check income thresholds, homeownership status, municipal participation, and property type.
3. Get Pre-Renovation Energy Audit (if needed)
Programs like Greener Homes and HER+ require audits by a Registered Energy Advisor.
4. Complete Renovations
Only use licensed contractors—keep all invoices, permits, and photos.
5. Submit Documentation
Include receipts, audit reports, proof of payment, and application forms.
6. Receive Rebate or Tax Credit
Rebates arrive as direct deposit or cheque; tax credits are applied during income tax filing.
Example Savings Breakdown
| Renovation |
Cost |
Savings Program |
You Pay |
| Attic Insulation |
$3,500 |
$2,000 (HER+ rebate) |
$1,500 |
| Triple-Pane Windows (10 units) |
$10,000 |
$5,000 (Greener Homes) |
$5,000 |
| Heat Pump Installation |
$14,000 |
$7,800 (Federal Grant + Enbridge) |
$6,200 |
| Accessibility Bathroom Reno |
$12,000 |
$3,000 (HATC) |
$9,000 |
Tips to Maximize Your Savings
✔ Combine federal, provincial, and municipal incentives
✔ Start the application before beginning renovations
✔ Always do energy audits before and after upgrades
✔ Work with certified contractors and energy advisors
✔ Keep digital and physical copies of invoices and permits
The Ontario Home Renovation Savings Program allows homeowners to invest smartly in their homes—cutting renovation costs while increasing comfort, safety, and resale value. Whether you’re upgrading to energy-efficient systems, making your home accessible for aging family members, or doing urgent repairs, there’s likely a grant, rebate, or loan available to help you.
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