Better Homes Programs
Municipal home-energy retrofit loan programs in Ontario
A growing number of Ontario municipalities offer low-interest retrofit loans repaid through your property tax or utility bill. These are our own independent summaries of published program terms — not official government pages. Always confirm details with the program administrator before applying.
How we source our numbers: every rebate figure on this site is sourced directly from official program documentation and dated, so you can check it against the program before you apply.
BetterHomes Huntsville
Up to $40,000 at 2.0% (0% if income-qualified), repaid on the property tax bill.
Read the full summary· 7 min read
Municipal ProgramsBetter Homes Peterborough
Up to $50,000 — 4.50% fixed over 15 years, or a 4.95% variable 5-year credit union loan.
Read the full summary· 7 min read
Municipal ProgramsBetter Homes Lanark
$10,000 to $40,000 at 2.75% fixed, with a 30% energy reduction target.
Read the full summary· 6 min read
Municipal ProgramsBetterHomes London
Up to $40,000 at 2.5% fixed, plus up to $10,000 incentive on verified savings.
Read the full summary· 6 min read
Municipal ProgramsRetrofitWR (Waterloo Region)
Up to $40,000 at 2.5%, repaid on the electricity bill — does not transfer on sale.
Read the full summary· 7 min read
Municipal ProgramsBetter Homes Ottawa
Up to $125,000 (or 10% of home value) at 4.33% over 20 years, repaid on the property tax bill.
Read the full summary· 6 min read
Municipal ProgramsBetter Homes Kingston
Up to $40,000 in zero-interest loans, with 30% paid upfront to contractors as a deposit.
Read the full summary· 5 min read
Municipal ProgramsGuelph Greener Homes Loan
Zero-interest loans plus grants toward residential energy efficiency upgrades.
Read the full summary· 5 min read
Municipal ProgramsToronto Home Energy Loan Program (HELP)
Borrow up to $125,000 for home energy improvements, with a 0% interest option available.
Read the full summary· 5 min read