Quick quiz: Ontario rebates
A few questions from the programs we track. Tap an answer to see why.
Short answer: The federal interest-free loan is closed to new applicants. In Ontario you can still get rebates from the Home Renovation Savings program (for example, up to $7,500 for a heat pump if you don't heat with gas, or up to $2,000 if you do), and low-interest city loans in some places, like Toronto's HELP and the Better Homes Ottawa Loan.
What happened to the Canada Greener Homes Loan?
It was a federal interest-free loan for home energy upgrades. The last day to apply was October 1, 2025. If you were already approved, you can keep going with your project under the loan's rules. Check your status on the loan portal.
What's open in Ontario right now
| Program | Type | What you can get |
|---|---|---|
| Home Renovation Savings | Rebate | Heat pump $2,000–$12,000, solar + battery up to $10,000, insulation up to $7,700, thermostat $125, appliances up to $200 |
| Energy Affordability Program | Free upgrades | Insulation, thermostats, appliances and more, for lower-income homes |
| Toronto HELP | City loan | Up to $125,000, repaid on your property tax bill over up to 20 years |
| Better Homes Ottawa Loan | City loan | Up to $125,000 (or 10% of home value), 20 years, interest-free for some incomes |
The heat pump rebate depends on how you heat now. Enbridge gas homes get $500 per ton (up to $2,000). Homes on electricity, oil, propane or wood get $1,250 per ton (up to $7,500). See heat pump tiers explained.
A real example
A gas-heated home installs a 3-ton cold-climate heat pump. The rebate is 3 × $500 = $1,500. The same home on electric baseboards would get 3 × $1,250 = $3,750. Your own install price and bill savings depend on your home, so get real quotes before you decide.
Is there a federal tax credit for heat pumps in Canada?
No. You may see US tax credits online, but those don't apply in Canada. There is a new federal rebate coming, though. On October 8, 2026, Ottawa announced a heat pump rebate of up to $10,000 for households below the median income and $2,000 for other eligible homeowners, expected to open in early 2027. Ottawa says it can be combined with provincial programs like Home Renovation Savings. It is not open yet, and the income line has not been published. What we know so far.
Canada’s new heat pump rebate is worth up to $10,000. Get an email the day it opens
The old rebate closed. Ottawa’s new one opens in early 2027, and we’ll tell you the day it does.
- Up to $10,000
- if your household earns below the median income
- $2,000
- for other homeowners who qualify
Stack it with the Ontario rebate open today
Ottawa says you can combine them. Each program has its own rules. Amounts are the most you can get.
Applications open early 2027
Join the launch alert
- Launch-day email, with what to do first
- Who qualifies for the $10,000, once Ottawa says
- A short hello now, so you know it worked
Know someone with old heating? Send them this.
Only emails about this rebate. No spam, no sales calls. Unsubscribe anytime.
Read everything we know so far Official page: canada.ca
What to do next
- Check the Home Renovation Savings guide for your upgrade.
- If you live in Toronto or Ottawa, read Toronto HELP or Better Homes Ottawa before you sign anything. Loans must be approved before work starts.
- See your city's rebates and compare top-rated local installers, ranked by Google reviews. Free for homeowners.
Sources, checked September 26, 2026: Canada Greener Homes Loan portal, Home Renovation Savings, Energy Affordability Program, Toronto HELP, Better Homes Ottawa.
