Canada Greener Homes Loan

The Canada Greener Homes Loan from the Canada Mortgage and Housing Corporation (CMHC) is an interest-free financing programme that supports homeowners to make energy efficient retrofits. Eligible properties and homeowners can get the loan to make retrofits recommended to them by our registered energy advisors during a pre-retrofit energy evaluation. 

Homeowners are eligible for a loan (unsecured personal loan on approved credit) amount between $5,000 – $40,000 through this program. Only one loan is available per eligible property and homeowner, and it can be repaid over a period of 10 years. An advance portion (up to 15%) of the loan total is available to engage contractors and begin retrofit work at your home. The full sum will be made available after verification through a post-retrofit energy audit. 

Who can apply? – Eligibility for the Canada Greener Homes Loan program 

Currently the Canada Greener Homes Loan is open to: 

  • Active applicants at the pre-retrofit EnerGuide evaluation stage with the Canada Greener Homes Grant. 

What is an energy retrofit?

An energy retrofit is any work you do to make your home more energy efficient. It can be as simple as improving or replacing light fixtures, and installing low-flow faucets, to upgrading heating and cooling systems and appliances, adding insulation, and upgrading windows and doors.

How to Apply 

Step 1:
Check your eligibility and apply through the CMHC Greener Homes Loan site. 

Step 2:  
Contact Green Communities Canada and arrange a pre-retrofit EnerGuide evaluation with one of our local Green Community offices. 

Step 3:  
Get quotes from contractors for the retrofit recommendations made by your Registered Energy Advisors. 

Step 4:  
Apply for the loan through the Canada Greener Homes Loan Portal. 

Step 5:  
Work with your contractors to complete your retrofits and contact us for a post-retrofit audit. Remember to keep copies of receipts and invoices for work done! 

Step 6:  
Your energy advisor will update the information related to your final evaluation with CMHC directly so you can access the loan funds. 

For more details, visit CMHC’s website. 

To learn more, call your local Green Community.