GRANT HAS ENDED
LOAN STILL OPEN TO NEW APPLICANTS
THE GREENER HOMES LOAN OFFERS INTEREST-FREE FINANCING FOR ELIGIBLE CANADIAN HOMEOWNERS ON WINDOW & DOOR REPLACEMENTS
$40,000 / 10-YEARS
INTEREST FREE
ON APPROVED CREDIT
BUY NOW AND GET UP TO 50% OFF
EcoTech product specialists are experts in navigating the Canada Greener Homes Grant & Loan process. Let us help.
Updated for 2025: The Canada Greener Homes Grant program was such a success, funding has been fully committed and the program has been closed to new applicants (as per Natural Resources Canada).
However…
Maximum: $40,000
Minimum: $5,000
Repayment term: 10 years, interest-free
Loan type: Unsecured personal loan on approved credit
You cannot apply for a loan for the following:
A maximum of one loan is available per eligible property and homeowner.
The maximum eligible loan amount is calculated based on the retrofits selected in the application and the quotes for this work. The eligible amount is capped based on industry standards and market norms. The maximum eligible loan amount may be less than your quoted cost, in which case you will be responsible for funding any difference.
Once approved, a portion of the loan can be delivered up front to assist in paying any deposits required by your contractor. The balance of the loan will be delivered after the retrofits have been completed and verified through a post-retrofit evaluation.
All Loan Applicants
There are some eligibility requirements to meet before applying for the loan:
Low-rise Multi-unit Residential Buildings
Individual homeowners living in a low-rise multi-unit residential building (MURB) must meet the additional eligibility criteria for MURBs.
Indigenous Group Applicants
Northern and off-grid communities
Canadians living in northern and off-grid communities face specific challenges when it comes to completing home retrofits, including higher equipment and labour costs. To help with this, all retrofit amounts have been adjusted to provide an additional 30% for northern and off-grid communities.
Is your Canada Greener Homes Loan not eligible for the full amount of your home improvements?
EcoTech has teamed up with Financeit to make home improvements more affordable for Ontario homeowners.
Contact us today to find out how much you can save and how we can make you dream upgrades more affordable.
0%
Interest
For 24 Months*
*Some conditions apply, book a free estimate with an EcoTech product specialist to learn more.
Ensuring your application is complete and accurate will improve processing time and allow you to start your retrofits sooner.
You cannot start any work until your loan application has been submitted. Any retrofits started before submitting your application are ineligible.
We recommend that you do not start any work before your loan application has been approved. If you choose to begin your retrofits before your loan application is approved, you are responsible for all costs if your application is declined.
Submitting an application with incomplete and/or inaccurate information will cause delays. Do not submit your loan application with missing documents or incomplete information.
Your loan application must include all retrofits that you plan to complete. Retrofits that are not included in your loan application cannot be added later.
If you include retrofits in your application that you later decide not to complete, these will be subtracted from your loan before final funding. The adjusted loan amount must be at least $5,000 to remain eligible.
Make sure that the quotes from contractors are clear and show the cost of the eligible energy efficient retrofits.
The maximum eligible loan amount is calculated based on the retrofits selected in the application and the quotes for this work. The eligible amount is capped based on industry standards and market norms. The maximum eligible loan amount may be less than your quoted cost, in which case, you will be responsible for funding the difference.
Upfront & Deposit Costs
Once approved, up to 15%* of the loan can be delivered up front if a deposit is required by your contractor. The initial advance is only available for retrofits that require a deposit. The balance of the loan will be delivered once the retrofits have been completed and verified through a post-retrofit evaluation.
You can request the initial advance during your application by uploading the quotes from contractors and entering the deposit amounts required to do the retrofit.
*The initial advance is increased to 25% if your property is located in the North or off-grid.
Step 1: Find a service organization and schedule a pre-retrofit evaluation of your home
An energy advisor will evaluate your home and make recommendations on how to make it more energy-efficient and resistant to climate change. Only eligible retrofits that have been recommended by an energy advisor are eligible for the loan.
Step 2: Plan your retrofits and obtain quote from EcoTech
Review your pre-retrofit evaluation and decide which retrofits work best for you. Make sure to plan all your work in advance before applying for the loan.
Do not start any work until your loan application has been submitted. Retrofits started before submitting your loan application are not eligible.
Obtain quotes for each of the retrofits in your plan. (No-obligation, risk free estimates from EcoTech – book now!) Make sure that the quotes clearly show the itemized cost of eligible retrofits. All quotes must be clear and legible and must:
Only costs directly related to retrofits recommended in your pre-retrofit evaluation are eligible for the loan. The maximum eligible loan amount may be less than your quoted costs in which case you will be responsible for paying any difference.
3. Submit your loan application before starting any work
To submit your loan application, you will require:
4. Complete your retrofits
Make sure to keep copies of all your receipts and invoices along the way.
5. Get a post-retrofit evaluation
Once all planned retrofits are complete, contact your service organization to request a post-retrofit evaluation. An energy advisor will visit your home and provide you with a new report showing the impact of your retrofits.
6. Request final loan advance
After your service organization submits the results of the post-retrofit evaluation, you must sign back into the loan application portal and choose “Request Funding”. You will be asked to upload all final invoices for the completed work.
The loan will be reviewed again based on the actual completed retrofits. If the final costs are higher than the initial estimate, the loan amount will not increase.
7. Receive your loan amount
You will receive an email confirming the final loan amount after your funding request has been approved.
The final approved loan amount (less the initial advance if you received one) will be deposited into your bank account within approximately 10 days of funding request approval.
8. Repay your loan over time
Shortly after your loan is funded, you will receive detailed information on the repayment of your loan over the 10-year period.
| Eligible Retrofit | Estimated Eligibile Amount |
|---|---|
| Home Insulation | From $210 to $5000 |
| Air-sealing | From $550 to $1000 |
| Windows and Doors | From $125 to $250 (per opening) |
| Thermostat | $50 |
| Space and Water Heating | From $1000 to $5000 |
| Renewable Energy | From $1000 to $5000 |
| Resiliency Measures | From $150 to $2625 |
| Additional information can be found here. | |
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