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Government programs at the federal, provincial, and municipal levels can offset a meaningful portion of your addition or renovation costs — particularly for energy-efficiency upgrades. This guide covers what is available in 2026, what has closed, and how to claim each program.
Important
The Canada Greener Homes Grant closed to new applicants in late 2025 and is no longer accepting applications. The programs listed below are its active replacements.
Targeted at low-to-median-income households, CGHAP covers the full upfront cost of qualifying retrofits like cold-climate heat pumps and advanced insulation. Unlike the previous grant program, CGHAP is a direct-install model — there are no out-of-pocket costs or reimbursement waits for eligible participants. Check eligibility at Natural Resources Canada.
If you are building a self-contained secondary suite (with its own kitchen, bathroom, and private entrance) for a senior aged 65+ or an adult eligible for the Disability Tax Credit, you can claim 15% of up to $50,000 in qualifying construction costs. This is a refundable tax credit worth up to $7,500 on your annual return. Details are available from the Canada Revenue Agency.
While primarily relevant to new home purchases, Bill C-4 (Making Life More Affordable for Canadians Act, Royal Assent March 2026) eliminates GST on newly built homes up to $1 million for first-time buyers, with sliding relief up to $1.5 million.
Ontario's primary rebate program is the Home Renovation Savings Program, delivered through Enbridge Gas and Save on Energy. It offers two pathways:
You must complete at least two bundled upgrades to qualify. A pre- and post-renovation EnerGuide audit is required (subsidized by a $600 rebate).
| Upgrade | Rebate (Up To) |
|---|---|
| Insulation (attic, wall, foundation) | $7,700 |
| Windows and doors (ENERGY STAR certified) | $100 per rough opening |
| Upgrade | Rebate (Up To) |
|---|---|
| Ground-source (geothermal) heat pump | $12,000 |
| Cold-climate air-source heat pump | $7,500 |
| Solar panels with battery storage | $10,000 |
| Heat pump water heater | $500 |
| Smart thermostats and efficient appliances | $75–$200 |
For current details and to apply, visit saveonenergy.ca.
Toronto City Council enhanced this program effective May 2026. The maximum lifetime subsidy per property nearly doubled — from $3,400 to $6,650. The program reimburses 80% of invoiced costs for backwater valves (preventing sewer backup), sump pumps, and a new $300 subsidy specifically for sump pump battery backup systems.
Apply through the City of Toronto water services page.
For homeowners who prefer not to draw on private home equity, the City's HELP program provides low-interest loans up to $125,000 for energy retrofits including geothermal systems, window replacements, and envelope air sealing. The loan is repaid through your property tax bill and can be assumed by a new owner if you sell.
| Term | 2026 Fixed Rate |
|---|---|
| 5 years | 3.23% |
| 10 years | 3.83% |
| 15 years | 4.33% |
| 20 years | 4.73% |
Learn more at toronto.ca/home-energy-loan.
During material selection, our team flags every eligible upgrade and handles rebate paperwork so you receive every dollar you qualify for.
Book a Free ConsultationThe best time to capture rebates is during construction, when your walls and mechanical systems are already open. During material selection, our team flags every eligible upgrade and handles rebate paperwork so you receive every dollar you qualify for. Learn more about our home additions services.
We identify rebate-eligible upgrades specific to your project scope and handle all the paperwork. Book a free consultation to get started.
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