The map changed completely in eighteen months. Here is what it looks like now.
If you last looked at Canadian retrofit incentives in 2024, almost everything you know is wrong. The Canada Greener Homes Grant took its final document on 31 December 2025. The interest-free loan is fully committed. Enbridge's HER+ expired, Better Homes Kingston stopped taking applications, Edmonton's HERA is fully subscribed and SaskPower's retrofit rebate ended in April 2026.
What replaced them is not one big federal programme. It is about twenty smaller ones, mostly provincial and municipal, each with its own rules — and that is the single most important thing to understand about this market now. There is no longer one answer to "what can I get?". There is only an answer for your address.
Provincial programmes with an assessment path. Ontario's Home Renovation Savings is the biggest: insulation to $7,700, ground source heat pumps to $12,000, and $600 towards the two evaluations it requires. Efficiency Manitoba pays per gigajoule saved rather than per measure, which rewards doing the envelope properly.
Municipal loans. With the federal loan gone these are the best financing in the country. Ottawa lends up to $125,000 at 4.33% over twenty years. Guelph lends $50,000 at zero per cent. More than twenty-five Alberta municipalities run the Clean Energy Improvement Program, which attaches the loan to the property rather than to you.
Mortgage insurance premium refunds. The quietest money in Canadian housing. CMHC Eco Plus, Sagen and Canada Guaranty all refund twenty-five per cent of the insurance premium on an energy-efficient home, all on the strength of an EnerGuide rating. Almost nobody claims it.
Commercial and industrial funding. Alberta's SEMI pays up to $50,000 towards an energy assessment at a single facility. Ontario's Save on Energy pays up to $50,000 towards a commissioning investigation and $50,000 towards implementing it.
Nine of the open programmes still require a pre-retrofit and a post-retrofit EnerGuide evaluation by a registered advisor working under a licensed Service Organization, and several require the same advisor for both. Medicine Hat added that requirement for the first time this year.
Six of them require no evaluation at all, and we list those too. The point of keeping the programme list is that it tells you which is which, on the day you read it, with a link to the source.
Programme details in this post were checked on 22 Sep 2026 against each issuing body's own published page. Programmes change without notice — the maintained version of all of this lives on the programme list, which carries the date of the last check and a link to every source.
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Licence 9E
A measured EnerGuide evaluation by a registered advisor, a report you can act on, and an honest answer about which programmes are open where you live.