Renovation Grants in Canada & Ontario: Rebates, Tax Credits & Funding

Renovating a home can be exciting — but costly. Thankfully, governments and utility partners in Canada and Ontario offer several grants, rebates, loans, and tax incentives to help homeowners make upgrades that improve comfort, accessibility, safety, and energy efficiency.

Whether you’re planning to replace insulation, install a heat pump, make accessibility upgrades, or fix critical home issues, there’s likely a funding option worth exploring.

1. Federal Support

Canada Greener Homes Initiative

The Canada Greener Homes Initiative has been one of the most popular programs for energy upgrades. It helped homeowners with:

• Grants ranging roughly from $125 to $5,000 for eligible home retrofit projects like insulation, windows, doors, and heating/cooling upgrades.

• Coverage of up to $600 toward pre- and post-retrofit energy evaluations.

• Access to interest-free loans up to $40,000 over 10 years to support larger energy-saving renovations.

While the Greener Homes Grant has closed to new applicants, existing applications continue to be processed and there are successor programs and incentives to explore.

This initiative aimed to reduce energy costs, cut carbon emissions, and make homes more comfortable — benefits that still inform many provincial and utility programs today.

2. Ontario Energy & Renovation Rebates

Home Renovation Savings (HRS) Program

Launched in 2025, the Home Renovation Savings Program helps Ontario homeowners get rebates for energy-efficient home upgrades. It’s delivered by Save on Energy and Enbridge Gas with support from the Ontario government. The program includes:

✅ Insulation rebates up to around $7,700
✅ Heat pumps up to $12,000
✅ Solar panels & battery storage up to $10,000
✅ Smart thermostats
✅ Windows & doors rebates per opening

This program is built to reduce ongoing energy costs and improve comfort, whether your home is heated with electricity, gas, propane, oil, or wood.

3. Local Programs

Home Energy Loan Program (HELP)

Residents of the City of Toronto (postal code starting with “M”) can take advantage of the Home Energy Loan Program — a low-interest loan that can cover up to $125,000 for energy upgrades, including:

• Heat pumps

• High-efficiency furnaces

• Insulation

• Solar PV systems

• EV charging infrastructure

You can use this loan alongside federal and provincial rebates to stretch your renovation dollars further.

City Incentives & Rebates

The City of Toronto also offers rebates (e.g., basement flooding protection and other efficiency incentives), and many municipalities have their own programs worth investigating.

4. Income-Based & Accessibility Programs

Ontario Renovates Program

This provincial program — delivered locally in many communities — provides financial support for low-to-moderate income homeowners to carry out critical repairs or accessibility upgrades.

• Funding is typically provided as a 10-year forgivable loan up to about $25,000.

• In some regions, a portion of the support (e.g., accessibility upgrades) may be provided as a grant of up to around $5,000 or more.

• Eligibility often includes household income caps and proof that the home is your principal residence.

This program is ideal if you need urgent repairs or want to make your home safer or more accessible.

5. Tax Credits & Federal Incentives

In addition to direct grants and rebates, Canadian homeowners may qualify for tax incentives that reduce the cost of renovations.

Home Accessibility Tax Credit (HATC)

The HATC allows eligible homeowners — particularly seniors and persons with disabilities — to claim a portion of qualifying renovation costs on their tax return.

Multigenerational Home Renovation Tax Credit

This federal tax credit helps homeowners convert part of their home into a self-contained living space for a family member.

6. Other Grants & Local Opportunities

Many municipalities and utilities offer additional rebates or grants — examples include:

• Local energy conservation rebates

• Free or partially funded energy assessments

• Weatherproofing or flood-mitigation incentives

• Small sustainability grants for solar and EV infrastructure

Always check your city’s official website or contact your utility providers for the most current listings.

Renovation grants aren’t just about saving money — they can transform your home’s comfort, value, accessibility, and environmental footprint. Whether you’re tackling insulation, installing efficient systems, making accessibility improvements, or dealing with vital repairs, today’s funding landscape provides multiple ways to offset your costs.