Canada Greener Homes Loan
ClosedClosed — October 1, 2025 was the last day to apply; loans already approved are unaffected
What it offered
- $5,000–$40,000Interest-free loans over 10 years (while open)
The audit question
Audit required
Required pre- and post-retrofit EnerGuide evaluations while it ran.
Who qualifies
Closed to new applicants because funding is fully committed. Loans approved before the cutoff continue on their original terms.
What to do instead
In Toronto, the City's HELP program lends up to $125,000 (or 10% of assessed value) at fixed rates, repaid on your property tax bill.
Elsewhere, ask your municipality: many local retrofit loan programs set up with federal support are still lending.
Pair financing with rebates — Home Renovation Savings in Ontario, or your province's program.
Bought with a CMHC-insured mortgage in the last two years? CMHC Eco Improvement refunds 25% of your premium after $20,000 of energy work.
Already approved? Your loan isn't affected — keep managing it through the portal where you applied.
The gotchas
- Lender and contractor guides dated 2026 still invite readers to apply. You can't.
- CMHC says it never asks loan applicants for a deposit — treat anyone who does as a scam.
- There's no replacement federal loan as of September 2026.
Worth knowing
It closed with little warning — a reminder to act while a program is open. There is no replacement federal retrofit loan as of September 2026.
Common questions
Can I still apply for the Canada Greener Homes Loan?
No. October 1, 2025 was the last day to apply, and the funding is fully committed.
I was approved before the cutoff — is my loan affected?
No. Approved loans continue on their original terms.
Is there a replacement federal retrofit loan?
Not as of September 2026. Look at municipal programs such as Toronto's HELP, and pair them with provincial rebates.
Official program page ↗ Always confirm details there before spending — programs change faster than any tracker.