The Canada Greener Homes Loan (CGHL) program provides interest-free financing to help Canadian homeowners make their homes more energy-efficient and comfortable. The program has been extended with an additional $600 million in funding due to strong demand, continuing to support these upgrades.
Loan Details
- Loan Amount Interest-free loan ranging from $5,000 to $40,000
- Repayment Term 10 years repayment term at 0% interest
- Loan Type Unsecured personal loan on approved credit
- Availability Only one loan per eligible property and homeowner
Important: The maximum eligible loan amount is calculated based on selected retrofits and quotes, capped by industry standards, and may be less than your quoted cost, requiring you to cover the difference.
Eligibility Requirements
- Canadian citizen, permanent resident, or non-permanent resident legally authorized to work in Canada
- Must own the home and it must be your primary residence
- Pre-retrofit evaluation completed on or after April 1, 2020
- Must not have started retrofits for which you are seeking a loan
- Good credit history required
- Not in bankruptcy or insolvency proceedings
- Special Provisions for Indigenous GroupsIndigenous group applicants can register multiple homes that do not need to be the owner's primary residence but must be occupied by an Indigenous household. Northern and off-grid communities receive an additional 30% for all retrofit amounts, and are eligible for replacements of existing fossil-fuel burning equipment and additional insulation measures.
Application Process Highlights
- Pre-retrofit Evaluation Conduct a pre-retrofit evaluation of your home, which will recommend eligible energy-efficient retrofits.
- Plan & Get Quotes Plan your retrofits and obtain at least 1-3 quotes from contractors for each planned retrofit. Quotes must clearly show itemized costs, deposits, and contractor details. For DIY retrofits, provide a detailed summary of materials (excluding labor costs) purchased in Canada.
- Critical: Submit BEFORE Starting Work You must submit your loan application BEFORE starting any retrofit work. Any retrofits started prior to submission are ineligible.
- Complete Application Your application must be complete and accurate and include all retrofits you plan to complete. Missing or inaccurate information will cause delays.
- Upfront Payment Once approved, a portion of the loan (up to 15%, or 25% for Northern/off-grid properties) can be delivered upfront to cover contractor deposits.
- Post-retrofit Evaluation After all retrofits are completed, you will need a post-retrofit evaluation. The balance of the loan will be delivered after this verification.
Important: The maximum eligible loan amount is calculated based on selected retrofits and quotes, capped by industry standards, and may be less than your quoted cost, requiring you to cover the difference.
Need More Information?
Get detailed information from the official government website or contact the program directly.
Phone Support
1-866-292-9517
Email Support
Questions@cghli.ca
Eligible Retrofits
Home Insulation
- Attic, cathedral ceiling, and flat roof insulation
- Exterior wall insulation (excluding foundation walls)
- Exposed floor insulation
- Basement and crawl space insulation
Windows and Doors
- Replacement with ENERGY STAR® certified models:
- Windows and sliding glass doors
- Hinged doors
- Note: Frame must be included; skylights not eligible.
Renewable Energy Systems
- Solar Photovoltaic (PV) Systems:
- Minimum 1.0 kW DC peak power capacity
- Permanently mounted on house or property
Air-Sealing
Improvements to reduce drafts and improve the airtightness of your home, often with professional assistance to meet specific air-change rate targets.
Space and Water Heating
- Ground source heat pumps: Full systems or unit replacements
- Air source heat pumps: Mini/multi-split and central ducted systems
- Heat pump water heaters: ENERGY STAR® certified models
Resiliency Measures
Must be combined with another energy efficiency retrofit:
Batteries connected to solar PV systems: For storing solar energy from permanently mounted PV systems. Portable batteries and electric vehicles not eligible.
Ineligible Retrofits
- Key Ineligible Items:
- Work already started before application
- Retrofits not in pre-retrofit evaluation
- Personal labor costs for DIY projects
- Home additions
- Stand-alone air conditioners
- Standard tankless/storage water heaters
- Skylights
- General furnaces and boilers*
- Roof upgrades (as primary)
- Garage windows and doors
- Multi-unit building heat pumps**
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