Are you thinking about upgrading your Toronto home? The right renovations can be a smart investment, whether you’re looking to improve comfort, cut energy bills, or boost your property’s value. However, they can also be expensive. The good news is that in 2025, more grants, rebates, and low-interest loans will be available than ever before to offset the cost.
Programs have shifted quickly in recent years. For example, the popular Canada Greener Homes Grant is winding down, while Ontario has introduced new programs, such as the Home Renovation Savings Program and the expanded Oil-to-Heat-Pump Affordability Program. This guide compiles the most up-to-date information (as of September 2025) to help you confidently plan for your home.
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Major Programs & How They Help
Home Renovation Savings Program (Ontario)
• Type: Rebate (launched Jan 2025)
• What it offers:
o Up to 30% back on energy-efficient upgrades.
o Bundled upgrades: $600 for energy assessment, up to $7,700 for insulation, $100 per window/door, $250 for air-sealing, $500 for heat-pump water heaters.
o Single upgrades: up to $7,500 for cold-climate air-source heat pumps, $12,000 for ground-source heat pumps, $75 for smart thermostats, $10,000 for solar panels.
• Why it matters: Replaces older programs like HER+ and Greener Homes Grant, offering more flexible rebates.
Oil-to-Heat-Pump Affordability Program (Ontario)
• Type: Grant (federal + provincial co-delivered)
• What it offers:
o Up to $25,000 in support ($15,000 federal + $10,000 provincial).
o $250 bonus for switching from oil to an electric heat pump system.
• Notes:
o Available only for oil-heated homes.
o Work must be completed by IESO-approved contractors.
o Cannot be combined with the federal-only program.
Canada Greener Homes Loan
• Type: Loan
• What it offers: Interest-free financing from $5,000 to $40,000 for recommended retrofits.
• Deadline: Application intake closes October 1, 2025. Repayment terms up to 10 years.
Eco-Roof Incentive Program (City of Toronto)
• Type: Grant
• What it offers:
o $100/m² (up to $100,000) for green roofs.
o $2–$5/m² (up to $50,000) for cool roofs.
o $1,000 toward a structural assessment.
Basement Flooding Protection Subsidy (Toronto)
• Type: Grant
• What it offers: Covers 80% of costs, up to $3,400 for installing backwater valves, sump pumps, or disconnecting storm-sewer connections.
Solar Panels & Battery Storage (Ontario)
• Type: Rebate
• What it offers: Up to $10,000 for rooftop solar and battery systems.
Energy Affordability Program (Ontario)
• Type: Free upgrades (income-eligible households)
• What it offers: Free home energy assessments and upgrades like LEDs, efficient appliances, insulation, draft sealing. Oil-heated homes may qualify for a free cold-climate heat pump.
Home Winterproofing Program (Enbridge)
• Type: Free upgrades (low-income households)
• What it offers: Free insulation, draft proofing, smart thermostat, and energy-efficient appliances.
Home Accessibility Tax Credit (HATC)
• Type: Federal tax credit
• What it offers: Claim up to $20,000 in expenses per year, credit equals 15% of eligible accessibility renovations.
Multigenerational Home Renovation Tax Credit (MHRTC)
• Type: Federal refundable tax credit
• What it offers: 15% of costs for building a secondary suite for a senior or disabled adult. Maximum benefit of $7,500 on $50,000 in expenses.
Energy Retrofit Loan (City of Toronto)
• Type: Loan
• What it offers: Low-interest financing for retrofits in multi-family buildings, condos, and common areas. Up to 100% of costs financed, terms up to 30 years.
Indigenous, Neighborhood & Youth Climate Action Grants (Toronto)
• Type: Grants
• What they offer:
o $10,000–$20,000 for Indigenous-led climate projects.
o Neighborhood grants (typically $1,000 or more).
o Youth climate action funding.
• Note: These support community initiatives, not individual home renovations.
Other City & Utility Programs
• Toronto HELP (Home Energy Loan Program): Borrow up to $125,000 for energy-efficient renovations, repaid via property taxes.
• Tower Renewal & High-Rise Retrofit Programs: Loans/grants for apartment building owners (not individual houses).
• Peak Perks & Cool Saver Program: Utility rewards for smart thermostats and cooling upgrades (small rebates or gift cards).
Having Trouble Finding the Right Programs? We’ll Help You Get Them
With so many programs, deadlines, and eligibility rules, it’s easy to feel overwhelmed. Instead of spending hours digging through government websites, let us simplify the process for you.
Create a free Land Signal account, and our team will send you direct links, walk you through the application process, and help you find the right program for your project. It’s quick, simple, and stress-free!
What’s New in 2025?
• Home Renovation Savings Program: Launched January 7, 2025, consolidating HER+ and Greener Homes Grant into a single, $10.9-billion program. More flexible, especially for single upgrades.
• Oil-to-Heat-Pump Affordability Program Expansion: As of September 2025, Ontario is co-delivering this program with IESO, boosting available funding to $25,000. Federal-only stream closes October 7, 2025.
• Canada Greener Homes Loan Closing: The interest-free loan portion will stop accepting new applications on October 1, 2025. Current applicants must finish projects and request payments by December 31, 2025.
Tips for Navigating Grants and Rebates
- Stay up to date: Rules and funding change quickly. Check Save on Energy, Enbridge Gas, NRCan, and City of Toronto websites before finalizing plans.
- Mind eligibility & deadlines: Some programs close intake fast (e.g., federal OHPA stream).
- Get permits & approvals: Many upgrades, such as heat pumps, solar panels, and structural changes, require building permits. Proof of compliance may be necessary to receive rebates.
- Bundle upgrades: Doing multiple upgrades with an energy assessment can unlock higher rebates.
- Don’t overspend for a rebate: Grants should reduce cost, not dictate your renovation decisions.
- Document everything: Keep all invoices, quotes, permits, and energy assessments, as you’ll need them for claims.
How Land Signal Can Help
Grants, rebates, and permits can feel like a maze. LandSignal.ai makes the process straightforward by:
- Helping you evaluate which programs you qualify for.
- Connecting you with licensed contractors who understand energy-efficiency standards.
- Planning your renovation from start to finish , budgeting, permits, timelines, compliance.
Ready to make your Toronto home more efficient and affordable? Visit LandSignal.ai or contact our team today. With the right plan and support, you can cut costs, boost comfort, and reduce your environmental footprint.
FAQ: Renovation Grants & Rebates in Toronto (2025)
- Can I combine multiple grants or rebates?
Yes. For example, you can claim the HATC while also using the Home Renovation Savings Program, provided each program’s requirements are met. - Are these programs only for homeowners?
Most programs apply to homeowners, but some apply to renters with their landlord’s approval. For example, accessibility upgrades are available through Ontario Renovates. Programs for condos and apartments focus on building owners or boards. - Do I need a home energy assessment?
Yes, many rebates are available, including bundled upgrades under the Home Renovation Savings Program. Be sure to check the requirements before starting work. - What happens if I apply late?
Funding is limited. Programs like Ontario Renovates and OHPA close once the funds are depleted, so be sure to apply early. - Can low-income households qualify for free upgrades?
Yes. Programs such as the Energy Affordability Program and the Enbridge Home Winterproofing Program offer free improvements to eligible households. - Do solar panels and battery systems qualify for rebates?
Yes. Ontario offers a rebate of up to $10,000 for rooftop solar and storage systems. - Is proof of permit required?
Yes, often. Permits are typically required for heat pumps, secondary suites, and solar installations. Proof of compliance is usually necessary to claim rebates.
