City of Toronto environmental grants & HELP loan<\/strong> -energy and resilience programs (not accessibility-specific) that can improve comfort and reduce costs; HELP can provide loans up to $125,000 repayable via property tax.<\/li>\n<\/ol>\nPrograms – Full details<\/h2>\n1) Home Accessibility Tax Credit (HATC) -Canada<\/h3>\n
What it offers:<\/strong>
\nA 15% tax credit on eligible home renovations that help a qualifying individual access their home safely or reduce the risk of injury. Up to $20,000 of eligible expenses can be claimed in a tax year.<\/p>\nWho qualifies:<\/strong>
\nSeniors aged 65+ or anyone eligible for the Disability Tax Credit? A relative can claim on behalf of a qualifying individual who lives in their home.<\/p>\nNotes:<\/strong>
\nEligible work must be permanent and integral to the home. Keep full documentation, including contractor invoices, receipts, and proof of payment, as the CRA may request them.<\/p>\n2) Multigenerational Home Renovation Tax Credit (MHRTC) – Canada<\/h3>\n
What it offers:<\/strong>
\nA refundable 15% credit on up to $50,000 of eligible expenses when you create a self-contained secondary unit to house a qualifying senior (65+) or an adult eligible for the Disability Tax Credit. The renovation must be completed in the tax year and meet local permit and by-law requirements.
\nWho qualifies:<\/strong>
\nHomeowners who add a code-compliant secondary suite so that a qualifying relative can live with them may claim only one renovation for that individual’s lifetime.
\nNotes:<\/strong>
\nBecause this is a refundable credit, it can produce a benefit even if you don\u2019t owe tax. Ensure the new unit meets all municipal rules and obtain required permits before starting work.<\/p>\n3) Ontario Seniors Care at Home Tax Credit – Ontario<\/h3>\n
What it offers:<\/strong>
\nA credit equal to 25% of eligible medical and accessibility expenses, up to a maximum of $1,500, can be refunded.
\nWho qualifies:<\/strong>
\nOntario residents aged 70 or older (or those with a spouse or partner aged 70 or older). The program is designed for low-to-moderate income households, and benefits phase out as income rises. A common reference point for phase-out is a household income of about $65,000, but check the official guidelines for precise thresholds.<\/p>\n4) Ontario Renovates – municipal program (example: London 2025)<\/h3>\n
What it offers:<\/strong>
\nMunicipally run forgivable loans and grants to repair homes and fund accessibility work. Program details vary by city.
\nExample (City of London, 2025):
\n\u2022 One-time loan up to $25,000 for repairs (first $5,000 forgivable).
\n\u2022 Up to $5,000 grants for accessibility modifications for landlord\/tenant units.
\n\u2022 Eligible upgrades include ramps, stair lifts, grab bars, raised toilets and height-adjustable counters.
\nWho qualifies:<\/strong>
\nThis program is designed for low- to moderate-income homeowners, often seniors or persons with disabilities. You must own and occupy the home (or have your landlord’s consent if you are modifying a rental property). Funding is typically first-come, first-served, and program parameters differ by municipality, so always check the local intake details.<\/p>\n5) Home & Vehicle Modification Program (HVMP) – March of Dimes Canada<\/h3>\n
What it offers:<\/strong>
\nGrants are available to remove life-safety barriers. Home modifications are covered up to $15,000 lifetime, and vehicle modifications are covered up to $15,000 every 10 years. Typical items include modular ramps, stair lifts, vertical\/platform lifts, and ceiling track systems.
\nWho qualifies:<\/strong>
\nOntario residents with permanent mobility-affecting disabilities. Applications require medical documentation and contractor quotes, and they will be prioritized based on assessed need.<\/p>\nCritical note:<\/strong>
\nHVMP will not reimburse you for work done before you are approved. Apply and receive approval before you start doing paid work.<\/p>\n6) City of Toronto environmental grants & HELP loan<\/h3>\n
What it offers:<\/strong>
\nPrograms to make homes more energy efficient and resilient (air sealing, insulation, heat pumps, basement flood protection). The Home Energy Loan Program (HELP) can offer low-interest loans up to $125,000, repaid via property taxes.
\nWho qualifies?<\/strong>
\nMany Toronto homeowners are unaware that many programs require an energy audit and have specific eligibility criteria? While these programs aren\u2019t accessibility-specific, they can make a home healthier and less costly to operate, which are especially valuable benefits for seniors aging in place.<\/p>\n<\/h2>\nHaving Trouble Finding the Right Programs? We\u2019ll Help You Get Them<\/h2>\n
Instead of spending hours searching government websites, let us do the work for you. Create a free Land Signal account and our support team will send you the direct program links and guide you to the right application pages. Quick, simple, and stress-free.<\/p>\n
What counts as an \u201celigible renovation?<\/h2>\n
To qualify for tax credits or many grants, work must be a permanent change that either:<\/p>\n
\n- Improves access and mobility inside or into the home (entering, exiting, moving between rooms)<\/li>\n
- Reduces the risk of injury (falls, burns, strain)<\/li>\n<\/ol>\n
Common eligible examples<\/h3>\n\n- Ramps and modular ramps.<\/li>\n
- Stair lifts, vertical platform lifts.<\/li>\n
- Widened doorways\/hallways.<\/li>\n
- Roll-in showers, walk-in bathtubs, accessible bathrooms.<\/li>\n
- Grab bars, raised (comfort-height) toilets, accessible counters.<\/li>\n
- Lever-style taps and non-slip flooring.<\/li>\n<\/ul>\n
Not eligible<\/h3>\n