Interest‑Free Loan up to $40,000 10‑Year Term
Get Up to $40,000 Interest-Free for Home Energy Upgrades
The Canada Greener Homes Loan offers homeowners an interest-free loan of $5,000 to $40,000, repayable over 10 years, to help make energy-efficient upgrades more affordable. Whether you’re adding insulation, upgrading to a heat pump, or installing ENERGY STAR® windows, this program supports your journey toward a greener home.
Why It Matters
- ✅ 0% interest over 10 years
- ✅ Supports eligible energy upgrades
- ✅ Can be combined with other grants and rebates (e.g., CMHC Eco Plus)
- ✅ Helps reduce utility bills and greenhouse gas emissions
⚙️ How the Loan Works
- Book a Pre-Retrofit EnerGuide Evaluation
- Plan your upgrades using your advisor’s report
- Apply for the loan at cghli.ca
- Complete your upgrades within the program timeline
- Book your Post-Retrofit Evaluation
- Repay over 10 years — with no interest!
ℹ️ The loan is not a rebate and must be repaid; however, the interest-free terms make it a smart financing option.
🏡 Eligible Upgrades
Upgrades must be recommended in your EnerGuide report:
- Attic, wall, and basement insulation
- Air sealing
- ENERGY STAR® windows and doors
- Heat pumps (space and water heating)
- Solar panels and battery storage
- Renewable energy systems such as solar
Note: All upgrades must meet NRCan technical standards.
🌍 Who Can Apply?
You are eligible if:
- You own and live in the home as your primary residence
- The home is at least 6 months old
- You complete a pre-retrofit EnerGuide evaluation
- You plan to complete at least one eligible retrofit
We proudly serve:
- British Columbia (including Victoria, Vancouver, and the Okanagan)
- Alberta (Calgary, Edmonton, Red Deer, Lethbridge)
- Ontario (Toronto, Kitchener-Waterloo, Ottawa, London)
➕ Combine with Rebates
Maximize your savings by combining this loan with:
CMHC Eco Plus / Sagen / Canada Guaranty mortgage rebates
CleanBC Better Homes, Fortis BC, & BC Hydro rebate programs (BC)
- Clean Energy Improvement Program – CEIP (Alberta)
Enbridge Home Efficiency Rebate Plus (Ontario)
⭐ Some homeowners can unlock over $10,000 in total savings when combining incentives.
❓ Frequently Asked Questions
What happens if I sell my home before the loan is repaid? The loan stays with you as the homeowner. You are still responsible for repayment.
Can I apply for both the loan and the mortgage insurance rebate? Yes! Many homeowners use the loan for upgrades and then qualify for a 25% rebate through CMHC Eco Plus or Sagen.
Do I need a contractor quote to apply? Yes, you’ll need to provide cost estimates or quotes when submitting your loan application.
📈 Estimate Your Monthly Payments
| Loan Amount | Monthly Payment (10 yrs @ 0%) |
|---|---|
| $10,000 | $83.33/month |
| $20,000 | $166.67/month |
| $30,000 | $250.00/month |
| $40,000 | $333.33/month |
⌛ There are no penalties for early repayment.
✉️ Questions? We’re here to help you take the next step toward a more efficient, comfortable home.
🖊️ Real Homeowner Example
“We used the loan to install a heat pump and upgrade our windows. Our home is now more comfortable year-round, and our utility bills dropped by over 30%!”
— Sarah M., Calgary
⏳ Ready to Apply?
We’ll guide you through the process and help ensure your upgrades qualify.
Or call us:
Toll-Free: 1-800-679-1902
Victoria Office: 778-404-7002
Have questions? Contact us — we’re happy to help.
Why Choose Greener Homes Inc.
- Trusted by thousands of Canadian homeowners
- Fast turnaround on reports
- Licensed and NRCan-approved advisors
- Full support through the entire loan process