Proudly Canadian, Toronto-Owned Since 1989.
CALL NOW
Energy-Efficient Home Upgrades
Eligible homeowners can finance energy-efficient retrofits — including new windows and doors — through an interest-free government loan. Here is how it works and how to apply.
How to Apply
Homeowners in Canada may be eligible for energy-efficient retrofits that can make their home updated, along with reducing energy use. The loan is administered by the Canada Greener Homes Initiative, a government program. It works together with the Canada Greener Homes Grant.
Applicants must meet these requirements before applying:
In addition, low-rise and multi-unit residential buildings have additional requirements in order to qualify. If you are a member of an indigenous group, there are certain allowances that are accepted if you live in one of these buildings.
Get Started
Applying for the loan requires several steps. Also completing the steps to receive the funding are essential.
Get a free quoteIn order to apply for the loan, you must first apply and be eligible for the Canada Greener Homes Grant.
One of our local service organizations will contact you to schedule an EnerGuide pre-retrofit evaluation. This energy advisor will inspect and evaluate areas of your home that can use retrofits. This list will be used for what you can qualify for.
Review the pre-retrofit report's recommendations and choose which retrofits you want. Speak with contractors and get at least 1 to 3 price quotes for each of the retrofits in the plan.
Once the first three steps have been performed, log in to your Canada Greener Homes Grant (or Loan) account. Inside the portal you'll upload documentation such as your property taxes, IDs, income documents and quotes from contractors. At this point, your application will be processed, and the program will calculate how much you are approved for. You'll then be given a chance to review the loan details and accept it. Residents of Ontario will apply for the loan through the Canada Greener Home Loan portal, only after they have first applied for the grant through a provincial local organization.
Once your work starts, make sure to track and keep all invoices and receipts.
Once completed, contact your local service organization and request the post-retrofit evaluation. An EnerGuide energy advisor will come to your home and verify the work has been performed successfully. They will also update your loan and grant portal account.
After the post-retrofit evaluation, you'll upload any final invoices and receipts. The loan amount will be evaluated again based on the actual cost. If the actual costs are lower than the estimates, the loan amount will be decreased. If the costs were higher, the loan amount would not increase, so plan accordingly.
Your loan is now active. You can now repay the loan over time, during the 10-year period.
The loan can pay a portion (up to 15%) of the loan amount up front such as deposits and down payments. The remaining amount will be paid after the post-retrofit evaluation has verified the successful completion of the retrofits.
To request the upfront portion, you must upload your final contractor quote, and input the requested deposit amount, into your loan portal.
Retrofits can include qualified versions of:
These items must be of a certain rating and installed by a qualified contractor. Windows and Doors must be EnergyStar certified. More details can be found with Natural Resources Canada.
The grant provides funds that do not have to be repaid. This can be up to $10,600 per home, to cover both the evaluations and parts of the retrofits. Both the loan and grant require the same accountability program and work together. Pre and post-retrofit evaluations are required.
The loan, however, can be up to $40,000 in interest-free payments, paid over 10 years.
It’s simple. If you live in Ontario, you’ll be given access to a similar, but separate portal for the Canada Greener Homes Loan. For some provinces, it is directly part of the grant portal.
You must first have a qualified pre-retrofit evaluation performed before any retrofit work can start or be completed. Any retrofits already completed do not qualify, but additional retrofits recommended by the EnerGuide advisor from the evaluation can qualify.
Contact Delco and one of our qualified representatives will guide you through the easy process.
Please, enter a valid value
