Incentives for Homeowners
Greener Homes Loan Program
IMPORTANT INFORMATION REGARDING THE CANADA GREENER HOMES LOAN
The Federal Canada Greener Homes loan is no longer taking applications.
If you have already received a pre-retrofit evaluation and are still wanting to apply for this loan, please visit their website Canada Greener Homes Loan - Natural Resources Canada and review the requirements and deadlines carefully.
All questions regarding the loan application should be directed to the Greener Homes Loan team . Their email is Questions@cghli.ca or they can be reached by phone toll free at 1-866-292-9517
The Federal Greener Homes Loan program provides an up to $40,000 interest-free loan over a 10 year term. The loan is designed to provide an accessible way for homeowners to complete energy efficiency retrofits on their home in order to make their homes more comfortable, durable, and energy efficient. The loan can be used on retrofits ranging from:
Energy Star Windows & Doors
Foundation, Wall, & Attic Insulation
Air Source & Ground Source Heat Pumps
PV Solar
In order to access the loan, homeowners need to complete a few important steps outlined below.
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An Energy Advisor will complete an EnerGuide Evaluation on your house determining its building details, energy use, and retrofits that would be eligible for the loan.
You will receive three reports that can be submitted to complete your loan application.
** You must complete the evaluation before applying to loan and starting any work**
Learn more about Eligible Retrofits
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Once you know which retrofits are eligible for the loan, you will need to gather 1-3 quotes for each retrofit that will be submitted to your loan application.
Some retrofits can be completed yourself (DIY). Please refer to the Greener Homes website for more guidance
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Once you have obtained all quotes for the eligible retrofits, it is time to submit your application. You can do that via the link HERE or on the left side of the page or by going to the Greener Homes Loan website.
The application process will require a few details from you so be prepared with your EnerGuide Evaluation reports, personal and home details, and income information.
Once the application is completed and approved , Greener Homes will provide up to 15% of the estimated loan up front to help you begin your retrofits.
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Once your loan is approved, you may begin the work on your home.
Make sure to have your contractor(s) document all necessary information and photos of the retrofits and provide detailed invoices for you once complete.
If you are unsure of what details are needed for the submission after the retrofits, please contact your Energy Advisor and refer to the documentation requirements listed on the Greener Homes website
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At this stage, your retrofits are complete, and you have received all detailed invoices for the completed work.
Its time to log onto your loan application and request a Post-Retrofit Energy Evaluation with your Energy Advisor. During the evaluation they will document all upgrades and prepare updated reports for your final submission
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You will log on to the Greener Homes Loan portal and submit your invoices.
Once they have confirmed all eligible amounts they will release the remaining loan balance into your account
Greener Homes Grant
**Officially closed as of December 31, 2025. If you have any questions about the Grant program, please contact Natural Resources Canada:
Email: canadagreenerhomesgrant-subventionmaisonsvertes@nrcan-rncan.gc.ca
Phone: 1-833-674-8282
For more information on the Greener Homes programs eligibility requirements, limitations, and details please refer to the Greener Homes Loan website
Reduce energy use, save money, and invest in a more comfortable, durable home
Efficiency Manitoba Rebate Programs
NEW As of April 15, 2025, Efficiency Manitoba is offering a $400 Rebate towards your pre-retrofit EnerGuide Energy Evaluation.
Efficiency Manitoba is Manitoba’s crown corporation helping to reduce energy use and greenhouse gases in our homes.
They have several programs designed to support homeowners wherever they are on their energy efficiency journey.
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Efficiency Manitoba offers various rebates for energy efficiency upgrades completed on your homes. These include:
Energy Star Windows & Doors
Foundation, Wall & Attic Insulation
Air Source & Ground Source Heat Pumps
PV Solar
Misc. Energy Efficiency Measures.
Each retrofit has its own eligibility, application, and documents requirements. Please refer to the Efficiency Manitoba website or contact their team for more information
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This program is for homeowners who are completing extensive energy efficiency retrofits to their home.
This programs requires a Pre-and-Post Retrofit EnerGuide Evaluation on your home to determine the before and after energy use of the home.
The energy use reduction from the retrofits is what determines the rebates you will be eligible for.
Please refer to the Home Energy Retrofit page on Efficiency Manitoba's website for more details
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Efficiency Manitoba's income based program designed to help Manitobans with limited income complete energy efficiency upgrades on the home.
These upgrades can help reduce utility costs, and provide a more comfortable and durable home.
Mortgage Insurance Premium Rebates
For homeowners who have recently bought a new home and it has been less than 2 years from posession. You may be eligible for a rebate of up to 25% off your mortgage insurance premiums.
On an average insured house this could be over $5000 in rebates!
Currently, There is currently one Mortgage Insurance Providers offering this rebates:
In order to be eligible for the rebate programs, the house must be tested and meet a performance criteria.
Estimated Performance Level: The house and has to have had $20,000 in energy efficiency upgrades completed before the deadline, and needs to perform 20% better than if was built to 2015 building code minimums. If you bought an older house and are renovating it, refer to each programs requirements to determine what is needed as documentation. Contact us to discuss your renovation plans!
One of the main ways to test the house is by one of our Energy Advisors completing an EnerGuide Evaluation. The reports provided by the evaluation are accepted as proof of eligibility. You may require a pre- and post retrofit energy evaluation to determine the performance change of the home, as well as to educate about the possible upgrade paths that would meet the 20% performance criteria.
Reach out today if you have questions about these programs!
