Canada Greener Homes
Get Up to $40,000 Interest-Free for Home Energy Upgrades
Canada Greener Homes Loan
The Canadian Mortgage and Housing Corporation has partnered with Natural Resources Canada to deliver the Canada Greener Homes Loan Program. This initiative will provide $4.4 billion in interest-free loans, up to $40,000 per household, helping up to 175,000 homeowners complete extensive home retrofits on their principal residence. This program also works in addition to the Canada Greener Homes Grant Program.
A maximum of one loan is available per eligible property and homeowner.
The loan can only help you finance eligible products and installations that are part of a retrofit that is both recommended by an energy advisor and eligible for the grant.
A portion of the loan can be delivered upfront to begin work on your home. Contractors often require a down payment for these types of projects. The balance will be delivered upon completing the retrofits and verification through a post-retrofit evaluation.
How It Works
| Step | Description |
|---|---|
| 1️⃣ Book Your Evaluation | Our licensed advisors conduct an EnerGuide home assessment to get your project started. |
| 2️⃣ Apply for the Loan | Once you receive your report, you can apply for up to $40,000 in interest-free financing through the federal government. |
| 3️⃣ Complete Your Upgrades | Use approved contractors to make energy-efficient improvements. |
| 4️⃣ Schedule Your Final Assessment | We’ll return for a post-retrofit evaluation. |
| 5️⃣ Receive Loan Reimbursement | Once verified, the loan is disbursed to cover your upgrade costs. |
Loan Details at a Glance
Amount: Up to $40,000
Interest: 0% (no interest)
Term: 10 years
Type: Government-backed loan for eligible energy upgrades
Administered by: Natural Resources Canada (NRCan)
Eligible Upgrades
Heat pumps (air source, cold climate, etc.)
Triple-pane windows and ENERGY STAR doors
Attic, wall, and basement insulation
Air sealing and ventilation systems
Renewable energy systems (e.g., solar)
📌 A full EnerGuide report is required before you apply.
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
Frequently Asked Questions
→ No. You must complete an EnerGuide evaluation before applying for the loan.
→ No. Retroactive work does not qualify. Start with your EnerGuide assessment.
→ Yes. It’s available in all provinces, but upgrades must meet NRCan guidelines.
→ After final verification, loan disbursement can take several weeks. We help you through the process.
Understanding your EnerGuide Label
