Open nowOntarioCity of Ottawa

Open. Up to $125,000 at a fixed rate over twenty years.

Do you need an energy evaluation for this?

Evaluation required, before and after

This programme requires a pre-retrofit and a post-retrofit EnerGuide evaluation by a registered energy advisor working under a licensed Service Organization. That is what we are.

Book the evaluation

What it is

With the federal loan gone this is the most substantial home energy loan available to any Canadian homeowner, and it is available to about a million of them. It requires a pre-retrofit and a post-retrofit EnerGuide assessment, and the city puts $600 towards them. The loan is secured against the property, which is what lets the rate and the term be what they are.

Dates and status

Open, with no closure notice. The $600 assessment credit is described as time-limited.

What it pays, as published

Up to $125,000, or 10% of assessed value
Minimum $10,000
4.33% fixed over 20 years
4% administration fee
$600 credit towards the EnerGuide assessment

Checked 22 Sep 2026Better Homes Ottawa ↗

Other Ontario programmes

OntarioOntario Home Renovation Savings ProgramOpen. The assessment path pays $600 towards both evaluations.Open now OntarioEnbridge Home Efficiency Rebate Plus (HER+)Closed. Every deadline expired on 31 December 2025.Closed OntarioBetter Homes KingstonClosed to applications. Waitlist only.Closed OntarioGuelph Greener HomesOpen, but the loan funding is almost fully committed. Waitlist now.Open — waitlist OntarioSave on Energy Existing Building CommissioningOpen. Up to $50,000 for the investigation and $50,000 for implementation.Open now

Better Homes Ottawa Loan Program

Evaluation required, before and after

What it is

Dates and status

Other Ontario programmes

Where to go next

Find out what your house actually costs to run.