Many Canadian homeowners leave significant money on the table by not applying for renovation grants and tax credits they're entitled to. In 2026, while the federal Canada Greener Homes Grant has ended, multiple provincial programs, municipal rebates, and federal tax credits remain available. Here's the complete guide to Canadian renovation funding.
| Category | Cost Range | Notes |
|---|---|---|
| Home Accessibility Tax Credit (HATC) | Up to $3,000 tax credit | Federal. Eligible accessibility renovations for seniors/disabled. |
| Multi-Generational Home Renovation Tax Credit | Up to $7,500 (15% of up to $50,000) | Federal. For adding a secondary suite for a senior or disabled family member. |
| Ontario Enbridge Home Efficiency Rebate+ | Up to $10,000 | For heat pumps, insulation, smart thermostats. |
| BC Rebates (CleanBC) | Up to $16,000+ | Heat pump rebates, insulation, windows & doors. |
| Quebec Éconologis | Up to $5,000 | Low-income household energy efficiency programs. |
| Alberta Energy Efficiency Rebates | Up to $8,000 | Heat pumps and energy efficiency upgrades. |
| Canada Mortgage and Housing Corporation (CMHC) Programs | Varies | Loans for accessibility and energy improvements. |
| Municipal Property Tax Rebates | Varies by city | Some cities offer rebates for heritage restoration and green upgrades. |
Most grants require you to use approved contractors, get pre-approval before starting work, and submit documentation afterward.
Provincial energy efficiency programs usually require a pre- and post-retrofit energy assessment — budget $300–$600 each.
Some programs (like Éconologis in Quebec) are income-tested. Others like the HATC are available to all Canadians.
Most grants require you to apply before starting work. Retrofits completed before application are typically not eligible.
No — the federal Canada Greener Homes Grant ended in September 2024. However, the Canada Greener Homes Loan (interest-free financing up to $40,000) ran until March 2024. Provincial programs and the federal tax credits remain active in 2026.
The HATC is a federal tax credit for renovation work that allows seniors or persons with disabilities to remain safely in their home — things like wheelchair ramps, grab bars, wider doorways, and stair lifts. You can claim 15% of up to $20,000 in eligible expenses (max $3,000 credit) per year.
Generally no — most grant programs are specifically for energy efficiency (heat pumps, insulation, windows) or accessibility. Standard kitchen and bathroom renovations do not qualify for grants, though they may qualify for the HST/GST New Residential Rental Property Rebate if creating a rental unit.
Introduced in 2023, this federal tax credit gives you 15% back on up to $50,000 spent adding a secondary suite for a senior (65+) or disabled family member to your home. Maximum credit is $7,500 and can be claimed once per property.
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