Canada Greener Homes Loan
Make Your Home More Energy Efficient – Interest-Free!
Up to $40,000 available to help you retrofit your home for a greener future.
Important Notice
- Protect Your Information:
Do not share your personal information with any third party claiming to represent CMHC or the Canada Greener Homes Loan. - No Deposits Required:
We never ask for a deposit from applicants. Only share your information using the official loan portal. - Secure Access:
Only the loan applicant may access the Canada Greener Homes Loan portal. Do not allow others to submit documentation on your behalf.
Loan Overview & Details
Loan Overview
- Purpose:
Interest-free financing to make your home more energy efficient and comfortable. - Loan Type:
Unsecured personal loan on approved credit. - Repayment:
10-year term with no interest.
Loan Details
- Maximum Loan Amount: $40,000
- Minimum Loan Amount: $5,000
- How It Works:
- Use the loan to finance eligible retrofits recommended by an energy advisor.
- Do not start any retrofit work until after your loan application is submitted.
- Upfront funds may be released (up to 15% – or 25% for northern/off-grid properties) for deposits.
- The balance is delivered after retrofits are completed and verified via a post-retrofit evaluation.
Note: The maximum eligible loan amount is based on the retrofits you select and contractor quotes. If your quotes exceed the cap, you must cover the difference.
Eligibility & Application Tips
Eligibility Requirements
To qualify for a Canada Greener Homes Loan, you must:
- Be a Canadian citizen, permanent resident, or legally authorized non-permanent resident.
- Own your home (primary residence for most applicants; additional rules apply for Indigenous groups and multi-unit residential buildings).
- Have a pre-retrofit evaluation completed on or after April 1, 2020.
- Not have started the retrofits for which you are applying.
- Possess a good credit history (not currently in a consumer proposal, bankruptcy, or similar insolvency proceedings).
For northern and off-grid communities, additional benefits and adjustments apply.
Loan Application Tips
- Plan Before You Begin:
Do not start any retrofit work until your loan application is submitted and approved. - Complete and Accurate:
Ensure your application is thorough with all required documents:- Pre-retrofit evaluation file number
- Government-issued photo ID (with address) or a utility bill
- Property tax bill or assessment
- Detailed, itemized contractor quotes (including deposit amounts if applicable)
- Proof of income (e.g., recent pay stub, letter of employment, bank statement, or T4/Notice of Assessment)
- Include All Retrofits:
List all retrofits you plan to complete. Changes after approval can reduce your loan amount. - Avoid High-Pressure Sales:
Take your time, gather multiple quotes, and choose reputable contractors.
How to Apply
- Schedule a Pre-Retrofit Evaluation:
Visit our directory to find a service organization near you. An energy advisor will assess your home and recommend eligible retrofits. - Plan Your Retrofits:
Review your evaluation and obtain 1–3 detailed quotes from qualified contractors. Do not start any work before submitting your application. - Submit Your Loan Application:
Log in to the Canada Greener Homes Loan portal with your gathered documents and quotes. - Complete Your Retrofits:
Once approved, have your contractor complete the retrofits according to program guidelines. - Post-Retrofit Evaluation:
Schedule a follow-up evaluation to verify completed work. - Final Funding:
Request your final loan advance once your contractor submits the final invoices and your post-retrofit evaluation is complete. - Repayment:
Your approved loan (minus any initial advance) will be deposited into your bank account within approximately 10 days of final approval. Repayment is made interest-free over 10 years.
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