Enter your address to find low- and zero-interest loans, on-bill financing and PACE programs available where you live.
EQUS — Member financing toward a new solar system for EQUS rural electrification co-op members.
Official program page ↗Last reviewed 2026-10Alberta Municipalities (Alberta Clean Energy Improvement Program) — Finance solar, heat pumps, insulation and other upgrades with no money down and repay through your property taxes. Only available in participating municipalities, and many are waitlisted or closed.
Official program page ↗Last reviewed 2026-10Town of Banff — Property-tax financing for clean energy upgrades in Banff at a fixed rate.
Official program page ↗Last reviewed 2026-10City of Medicine Hat — Property-tax financing for clean energy upgrades in Medicine Hat at a fixed rate.
Official program page ↗Last reviewed 2026-10City of Calgary — Property-tax financing for clean energy upgrades. Calgary's intake is closed and expected to reopen in winter 2026/27.
Official program page ↗Last reviewed 2026-10City of Edmonton — Property-tax financing for clean energy upgrades. Currently waitlist only.
Official program page ↗Last reviewed 2026-10Town of Okotoks — Property-tax financing for clean energy upgrades. Currently waitlist only.
Official program page ↗Last reviewed 2026-10City of Lethbridge — Lethbridge's CEIP intake is closed.
Official program page ↗Last reviewed 2026-10City of St. Albert — St. Albert's CEIP intake is closed.
Official program page ↗Last reviewed 2026-10FortisBC — Instead of a rebate, FortisBC electricity customers can finance an air-source heat pump at a low interest rate.
Official program page ↗Last reviewed 2026-10Vancity — Credit-union loans for renovations that improve your home's energy efficiency.
Official program page ↗Last reviewed 2026-10City of Nelson / Nelson Hydro — Low-interest loans for home energy upgrades and e-bikes, repaid on your Nelson Hydro bill.
Official program page ↗Last reviewed 2026-10City of Penticton — Loans for home energy upgrades for City of Penticton electric customers.
Official program page ↗Last reviewed 2026-10District of Saanich / Central Saanich — Interest-free financing to help homeowners switch to a heat pump.
Official program page ↗Last reviewed 2026-10CleanBC — The provincial low-interest heat pump financing program from the CleanBC era is no longer listed.
Official program page ↗Last reviewed 2026-10CMHC — A partial refund of your CMHC mortgage loan insurance premium when you buy or build an energy-efficient home.
Official program page ↗Last reviewed 2026-10RBC Royal Bank — A bank loan for energy-efficiency upgrades to your home.
Official program page ↗Last reviewed 2026-10Canada Guaranty — A partial mortgage insurance premium refund for borrowers who buy or upgrade to an energy-efficient home.
Official program page ↗Last reviewed 2026-10Sagen — A mortgage insurance premium refund for buyers of energy-efficient homes, or for owners who complete energy-saving renovations.
Official program page ↗Last reviewed 2026-10Natural Resources Canada — The former interest-free federal loan for EnerGuide-recommended retrofits, including solar. Funding is fully committed, and no new loans are being approved.
Official program page ↗Last reviewed 2026-10Manitoba Hydro — On-bill financing for gas and electric system upgrades.
Official program page ↗Last reviewed 2026-10Manitoba Hydro — Loans for efficiency upgrades, solar and Level 2 EV chargers, with terms up to 15 years.
Official program page ↗Last reviewed 2026-10NBTA Credit Union — Preferred-rate loans for insulation, windows, heat pumps, solar and other efficiency upgrades.
Official program page ↗Last reviewed 2026-10Newfoundland Power — Financing for heat pumps and upgrades, repaid on your monthly power bill.
Official program page ↗Last reviewed 2026-10NL Hydro — Financing for heat pumps and insulation for NL Hydro residential customers, repaid on the bill.
Official program page ↗Last reviewed 2026-10Municipality of Colchester — Property-tax-based financing for solar (Solar Colchester) and heat pumps/insulation (Cozy Colchester).
Official program page ↗Last reviewed 2026-10Halifax Regional Municipality — Low-interest financing for heat pumps, insulation and electric water heaters in oil-heated homes built before 2000, repaid as a charge on the property over 10 years.
Official program page ↗Last reviewed 2026-10Halifax Regional Municipality — Finance solar PV, solar hot water or solar hot air through a voluntary charge on your property, paid back over 10 years. Repay early any time with no penalty.
Official program page ↗Last reviewed 2026-10Municipality of Pictou County / SwitchPACE — PACE financing for home energy upgrades for Pictou County homeowners, repaid through the property.
Official program page ↗Last reviewed 2026-10West Hants Regional Municipality / SwitchPACE — PACE financing for solar and energy upgrades with an energy concierge, repaid through your property.
Official program page ↗Last reviewed 2026-10Town of Wolfville / SwitchPACE — PACE financing for Wolfville homeowners, repaid through property taxes. (The old list filed this under PEI by mistake.)
Official program page ↗Last reviewed 2026-10Clean Foundation / participating NS municipalities — Property-tax financing for heat pumps, insulation and solar in towns such as Bridgewater, Lunenburg, Digby, Yarmouth, Barrington, Amherst and Cumberland. Replaces the old 'Nova Scotia PACE' listing.
Official program page ↗Last reviewed 2026-10Nova Scotia Power — Nova Scotia Power's on-bill heat pump financing. No longer offered to new customers.
Official program page ↗Last reviewed 2026-10Town of Berwick — Former town financing for home energy upgrades, repaid through the local utility/municipality.
Official program page ↗Last reviewed 2026-10Housing Northwest Territories — Grants and forgivable support to help homeowners make repairs, which can include energy-related work, plus emergency and seniors' repair programs.
Official program page ↗Last reviewed 2026-10Nunavut Housing Corporation — Help for homeowners facing urgent repairs that affect health or safety, such as heating system failures.
Official program page ↗Last reviewed 2026-10Nunavut Housing Corporation — Forgivable loans to help homeowners with major repairs, renovations and energy upgrades, covering materials, freight and labour.
Official program page ↗Last reviewed 2026-10City of Ottawa — A 0% interest loan for home energy upgrades such as heat pumps, insulation and windows, repaid through your property tax bill.
Official program page ↗Last reviewed 2026-10City of Toronto — A low-interest loan for heat pumps, geothermal, rooftop solar, battery storage, insulation, windows, EV chargers and more. You repay it through your property tax bill over 5 to 20 years.
Official program page ↗Last reviewed 2026-10City of Hamilton — A 0% interest pilot loan for insulation, air sealing and air-source heat pumps, repaid through the property tax bill. The pilot intake has closed.
Official program page ↗Last reviewed 2026-10Province of PEI — Interest-free loan to replace or upgrade home heating in a year-round primary residence, repaid over 10 years.
Official program page ↗Last reviewed 2026-10City of Charlottetown / SwitchPACE — Financing for home energy upgrades repaid through property taxes.
Official program page ↗Last reviewed 2026-10Town of Stratford / SwitchPACE — Financing for home energy upgrades repaid through property taxes.
Official program page ↗Last reviewed 2026-10Finance PEI — Loan covering pre-approved upgrades for homeowners approved under efficiencyPEI equipment, insulation or solar rebates.
Official program page ↗Last reviewed 2026-10City of Saskatoon — Low-interest loans for efficiency, renewables (including solar with batteries) or water savings, repaid through your property taxes.
Official program page ↗Last reviewed 2026-10Yukon Housing Corporation — Loans and grants for repairs and upgrades, including energy-efficiency work, for households under the income limit. You can combine it with Good Energy rebates.
Official program page ↗Last reviewed 2026-10Government of Yukon — Financing that helps rural property owners bring power or phone and internet service to their property, repaid through property taxes.
Official program page ↗Last reviewed 2026-10Government of Yukon / participating municipalities — Low-interest financing for energy retrofits, repaid through a local improvement charge on your property taxes. Applications are paused until further notice.
Official program page ↗Last reviewed 2026-10
Our directory tracks 48 programs (35 currently open), reviewed in October 2026. Programs open, pause and change often — always confirm details on the official page before you buy or book work. Entries marked “Status to confirm” could not be verified against the official source during our last review.
Most rebates require pre-approval, an energy audit, or a registered contractor before work starts. Read the official rules first.
Federal, provincial, utility and municipal programs are often designed to combine. Start local, then layer outward.
Invoices, model numbers and before/after audit reports are what get your money paid out.
