Are you a homeowner in Ontario feeling overwhelmed by rising renovation costs, high energy bills, or the need to make your home safer for aging parents?
For many families, it feels like homeownership comes with surprise costs around every corner. A leaking roof, inefficient windows, or outdated heating can quietly eat away at your savings and quickly turn into costly emergencies.
What most people do not know is that the government is offering real help.
Right now, you could qualify for up to $25,000 or more in home improvement government grants. These programs are designed to support everything from energy-efficient upgrades and accessibility renovations to major repairs and modernization projects.
Sadly, many homeowners miss out simply because they did not apply or did not know where to start.
In this article, we break down top Ontario grant programs you can access today—what they cover and who qualifies.
Let’s get into it.
Top 7 Homeowner Government Grants and Rebates in Ontario
1. Canada Greener Homes Loan and Grant (Natural Resources Canada)
If your heating bills have been creeping up or your windows feel drafty every winter, this program might change everything.
Homeowners in Ontario can qualify for up to $40,000 in interest-free loans, plus a $5,000 grant to cover energy-efficient upgrades like insulation, new windows, heat pumps, and more.
This grant isn’t just about cutting utility bills. It’s about making your home more comfortable, modern, and environmentally responsible.
To qualify, you’ll need to do EnerGuide evaluations before and after the retrofit, which helps ensure long-term value. This program is ideal for families planning deep energy upgrades or seniors trying to stay warm and independent.
PS: The Canada Greener Homes Grant is closed to new applicants, but existing participants can still complete retrofits and access funding through the official portal.
2. Ontario Home Renovation Rebate Program (HRS – Save on Energy and Enbridge)
Launched on January 28, 2025, the Ontario Home Renovation Savings (HRS) Program is a rebate initiative co-delivered by Save on Energy and Enbridge Gas.
It helps Ontario homeowners reduce energy bills and improve comfort through energy-efficient upgrades. Eligible homes include those heated with electricity, gas, propane, wood, or oil.
Homeowners can receive:
- Up to $5,000 for gas-heated homes
- Up to $10,000 for electrically heated homes
- Plus $600 audit reimbursement
Qualifying Upgrades Include:
- Insulation: Up to $7,700
- ENERGY STAR windows/doors: $100 per opening
- Air sealing: Up to $250
- Cold climate heat pumps: $1,250 per ton
- Heat pump water heaters: Up to $500
- Solar panels and battery storage
- Smart thermostats
The program is backed by IESO and Enbridge Gas, aiming to cut energy costs and boost sustainability. It is ideal for families who want to save long-term while making their homes more efficient and comfortable year-round.
3. Ontario Renovates Program (Critical Repairs and Accessibility Upgrades)
This one is a lifeline. If your home is showing signs of wear like leaking roof, faulty wiring and bad plumbing, you may qualify for a forgivable loan of up to $25,000 through Ontario Renovates.
It helps cover emergency repairs and important accessibility upgrades like ramps, walk-in tubs, or stairlifts.
It’s especially designed for low- to moderate-income homeowners, including seniors and persons with disabilities, and is delivered locally through municipalities like Hamilton, Simcoe (up to $15,000), Waterloo (up to $25,000), and Cornwall(up to $12,000).
This program about helping you or a loved one stay safely and independently at home longer, especially when health and mobility challenges arise.
4. Clean Home Heating Initiative (CHHI) and Oil to Heat Pump Affordability (OHPA)
The Clean Home Heating Initiative (CHHI), a joint effort by the Ontario government and Enbridge Gas, helps eligible homeowners in select Ontario communities transition to hybrid heating.
These systems combine an air source heat pump with a high-efficiency gas furnace, switching between the two based on temperature and electricity costs.
Homeowners can receive up to $4,500 in rebates, reducing energy bills and carbon emissions while improving year-round comfort.
The Oil to Heat Pump Affordability (OHPA) program provides up to $10,000 to $15,000 in government grants for low and median-income households switching from oil to cold-climate electric heat pumps.
To qualify, homeowners must have purchased at least 500 liters of heating oil in the past year and meet income criteria.
Both programs reduce reliance on costly, high-emission heating and are ideal for families looking to save money while modernizing their homes. Early participation is strongly advised due to funding limits.
5. Multigenerational Home Renovation Tax Credit (Federal)
Whether you’re caring for an aging parent or supporting an adult child, adding a secondary suite is becoming a smart move.
With this federal tax credit, you can claim up to $7,500 back on the cost of building or modifying a self-contained unit for a senior or person with a disability.
This helps families stay close while preserving independence and privacy. It’s also popular with homeowners adding rental or in-law suites, giving your property added value and flexibility.
For many in Ontario, this credit removes a big financial barrier and opens the door to multigenerational living that feels secure, affordable, and dignified.
6. Home Energy Loan Program (HELP)
The HELP program offers up to $125,000 in low-interest loans, repayable through your property tax bill over time, with no large upfront payment.
It also includes incentives like $10,000 for deep energy retrofits and $1,000 for solar system upgrades.
The loan covers a wide range of upgrades, including:
- Air-source heat pumps
- Insulation (attic, basement, exterior walls)
- High-efficiency HVAC systems
- Window and door replacements
- Solar panels, battery storage, and EV chargers
- Drain-water heat recovery and toilet replacements
HELP makes energy efficiency affordable, allowing you to reduce monthly bills and access rebates from utility companies and federal programs. Once approved, you can hire any contractor you trust.
If you live in a Toronto “M” postal code, this is your chance to renovate smart and invest in a greener, more comfortable future.
7. Designated Heritage Property Grants
If your home is officially recognized as a designated heritage property, you may qualify for generous municipal grants to help preserve its historic charm.
These heritage property restoration programs offer financial support ranging from $4,000 to $25,000, depending on your city and the type of project.
These government grants cover heritage conservation and restoration projects, including repairs to original chimneys, porches, windows, roofs, and other character-defining elements.
In many cases, funding is offered as a matching grant, meaning the municipality pays up to 50 percent of the eligible cost.
Some cities offering programs include:
- Mississauga ($500 to $25,000)
- Caledon (up to $6,000 for general work and $15,000 for special projects)
- Toronto (up to $20,000 for slate roof work)
- Oakville (up to $15,000)
All offer unique programs, but the goal is the same — protect local history while easing the renovation cost.
Don’t wait until you’re forced to choose between comfort and cost. These grants can protect your home, family, and finances—before it’s too late.
Let Custodia help you get started with expert consultation, trusted property inspection, and senior-friendly renovation support advice tailored for Ontario homeowners. Call 1-833-410-4357 or Book Online now.
