The Canada Greener Homes Loan – Interest Free for 10 years!!

The Canada Greener Homes Loan offers interest-free financing to help Canadians make their homes more energy efficient and comfortable, including window and door replacements.

Loan Details

Maximum: $40,000
Minimum: $5,000
Repayment term: 10 years, interest-free
Loan type: Unsecured personal loan on approved credit

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.

You cannot apply for a loan for the following:

    • work that has already been started or completed
    • retrofits that were not recommended in your pre-retrofit evaluation
    • retrofits that are not included in your application (that is, you must not add additional retrofits to your loan application after it has been approved)
    • retrofits that are not eligible for a Canada Greener Homes Grant


All loan applicants

There are some eligibility requirements to meet before applying for the loan:

  • You must be a Canadian citizen, permanent resident, or non-permanent resident who is legally authorized to work in Canada
  • You must own the home and it must be your primary residence
  • You have a pre-retrofit evaluation and have not yet had a post-retrofit evaluation
  • Your pre-retrofit evaluation was completed on or after April 1, 2020
  • You have not started the retrofits for which you are seeking a loan
  • You have a good credit history and are not in:
      • a consumer proposal
      • an orderly payment of debt program
      • a bankruptcy or equivalent insolvency proceeding