Mortgage insurance options:
The CMHC ECO Plus Program
Canada Guaranty
Sagen
Receive a partial refund of 25% of your insurance premium when you buy or build an energy-efficient home.
To qualify the home needs an EnerGuide Rating System Label with properties that have a gigajoules/year rating at least 20% lower than “A Typical New House” or meet a greenhouse gas emission target.
See more information here.
Receive a rebate for some of the GST/HST paid for newly constructed or substantially renovated homes.
See more information here.
Receive varying loans depending on the path chosen
To qualify the homes must achieve Tier 2 or 3 of the NBC
See more information here.
Want to make your home more energy efficient? The Canada Greener Homes Loan can help you get there without paying interest. You can borrow between $5,000 and $40,000, with a full decade to pay it back.
Before you start any renovations, here’s what you need to know:
Keep in mind that the loan won’t cover:
Think of it like a roadmap – first plan your route with an expert, then get your funding approved and finally start your home improvement journey.
General Requirements
To qualify, applicants must:
Special Circumstances
For Indigenous Communities, the program offers flexible options including:
Northern and Remote Areas
The program recognizes the unique challenges of northern and off-grid locations:
Get Your Home Evaluated: Contact GreenThink Inc. and schedule an energy advisor.
Plan Your Improvements: Review recommendations and get 1-3 contractor quotes. Don't start work before applying! DIY? Remember only materials (not labor) count, and products must be bought from Canadian suppliers.
Apply for the Loan: You'll need your pre-retrofit evaluation number, photo ID with address, property tax bill, contractor quotes, and income proof (two documents).
Make the Improvements: Keep all receipts and documentation.
Post-Improvement Evaluation: Schedule a follow-up assessment to document the changes. Your advisor will submit the results within 30 days.
Request Final Payment: Log in to upload final invoices. Note: The loan amount won't increase if costs end up higher than estimated.
Receive Funds: Expect payment within 10 days of approval.
Start Repayment: You'll receive repayment details for your 10-year term shortly after funding.
Get up to $14,000 back when you make energy-efficient upgrades to your B.C. home. Available through a partnership between BC Hydro, FortisBC, and the Province of BC.
Heat Pump Systems
Ductless mini-split/multi-split: Up to $3,000
Central ducted systems: Up to $3,000
Dual fuel systems: Up to $10,000
Air-to-water systems: Up to $1,500
Combined space and water heating: Up to $2,500
Electrical service upgrade: $500
Heat pump water heater: $1,000
Insulation improvements: Up to $5,500
Window and door replacement: Up to $2,000
For Indigenous Communities, the program offers flexible options including:
Bonus Rewards
Choose between:
Two-upgrade bonus: $300
Home energy improvement bonus: Up to $2,000
Home Requirements
Your primary residence must:
Be at least 12 months old
Have an active residential utility account with FortisBC, BC Hydro, or a municipal utility
Eligible Home Types
Single-family home (detached dwelling)
Secondary suite in a single-family home (detached dwelling), with its own separate utility meter
A mobile home that is permanently fixed, sits on a foundation, and is structurally complete with installed and connected plumbing, heating, electrical, water, and sewer services; towing apparatus and axle must be removed.
Duplex, triplex, row home, or townhome, where each unit has its own natural gas and/or electricity meter; utility accounts must be in the name of the resident and/or homeowner. Utility accounts in the name of a strata corporation are not eligible.
Key Points
Only one heating system rebate per home
All installations require licensed B.C. contractors
Applications due within 6 months of upgrade completion
Any heating source qualifies (gas, electric, oil, propane, wood)
Select an eligible heat pump and have a licensed contractor install it
Document your current system:
If replacing oil, propane, or gas heating, keep proof of system removal or decommissioning
Apply online after installation:
Fill out the application form
Upload your receipts and invoices
Include all required documentation
Replace your old windows and doors with ENERGY STAR® certified ones and earn back $100 per installation. Your home could qualify for up to $2,000 in rebates, plus enjoy lower energy costs month after month.
Remember to submit your application within 90 days of completing and paying for your installation.
See application and eligibility details here.
Cut your energy costs with better insulation – it’s one of the smartest investments you can make in your home. With proper insulation, you’ll stay cozy in winter and cool in summer, while reducing your energy bills by up to 60%.
Multiple rebate options are available to help make your insulation upgrade more affordable.
See more information about the program here.
Power your property with sunshine and savings. Get rebates for installing solar panels (PV systems) connected to Manitoba Hydro’s electrical grid.
Benefits of going solar:
Get all the application and eligibility details here.
Transform your major renovation into significant energy savings with the Home Energy Retrofit program. Start with an EnerGuide evaluation to identify the best upgrades for your home.
Rebate Structure
$75 per gigajoule saved up to new home standards
$150 per gigajoule saved beyond new home standards
$250 bonus if participating in the Canada Greener Homes Grant
Why Renovate?
Cut energy bills
Enhance comfort and air quality
Increase property value
Reduce maintenance and carbon footprint
Note: This comprehensive program replaces individual upgrade rebates and cannot be combined with other efficiency programs.
For more information on the program, visit its official website here.
Did you know? Alberta families spend around $5,000 yearly on energy. Simple upgrades like fixing drafty windows, adding attic insulation, or installing a more efficient furnace can dramatically reduce these costs.
Want to save even more? Consider adding solar panels.
The Clean Energy Improvement Program makes these upgrades affordable through:
Property tax-based financing
Competitive interest rates
Extended payment terms (up to 20 years)
Flexible payoff options
Every home is different, but typical savings vary based on:
Type of upgrade
Installation quality
Location
How you use your space
Town of Banff
City of Calgary
Town of Canmore
City of Cold Lake
Town of Devon
Town of Drayton Valley
City of Edmonton
City of Grande Prairie
City of Leduc
City of Lethbridge
City of Medicine Hat
Pincher Creek Region
Town of Okotoks
City of St. Albert
Town of Rocky Mountain House
Town of Stettler
Sturgeon County
Village of Stirling
Strathcona County
Town of Taber
City of Airdrie
Town of Westlock
Find out if your municipality offers the program
Check your local eligibility and review program terms
Pre-qualify online. If your area participates, submit your initial application
Tip: Each municipality has different rules and conditions – be sure to review them carefully before applying.
See more information about the program and apply here.
The federal government offers a rebate program to help offset GST/HST costs when you purchase or substantially renovate a home. This initiative applies to:
Get back up to $6,300 on your purchase
Covers 36% of the GST/HST paid
Full rebate available for homes valued at $450,000 or less
Partial rebates may be available for properties above $450,000
This program helps make homeownership more affordable by returning a portion of your tax payment on qualifying properties.
Owner-Built Homes
Qualify when you:
Build a new house on your land
Complete major renovations (90% of interior replaced)
Add significant structural changes (like a full second story)
Convert non-residential property into a home
Purchase/renovate a new mobile or floating home
Note: Minor additions like sunrooms or extra bedrooms don’t qualify.
Builder-Purchased Homes
Qualify when you:
Buy a new/renovated house and land from a builder
Purchase a new mobile or floating home
Buy co-op housing shares for a new/renovated unit
Purchase a new house with a 20+ year land lease option
For both categories, the work must be substantial and meet specific criteria to qualify for the rebate.
Remember: Basic renovations or small additions typically don’t meet the requirements – the changes must be extensive to qualify.
Submit your application within 2 years of home completion
Include required documentation:
Sales contract
Settlement statement
Other relevant documents
Apply directly through the government website. If buying from a builder, they may handle the application for you.
The CRA will review your application.
You'll receive notification of their decision.
If approved, your rebate cheque will arrive by mail
*By submitting you agree to be contacted by SMS, phone, or e-mail. Rates may apply. You can opt-out at any time.
