Home Renovation Grants Ontario (2025–2026): What’s Actually Available Right Now

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Home Renovation Grants Ontario (2025–2026): What’s Actually Available Right Now

If you’re searching for home renovation grants Ontario homeowners can still use in 2025–2026, the options look very different than they did a few years ago. Several popular federal grants have closed, but Ontario-wide rebates, tax credits, and city programs are still active. The key is knowing what’s open, what’s closed, and what depends on your city or project type.

Below is an up‑to‑date Ontario-only breakdown, based on government sources as of March 6, 2026.


Ontario Home Renovation Grants and Rebates You Can Still Use

Ontario Home Renovation Savings Program (Active)

This is now the main province-wide home renovation incentive in Ontario.

What it is

  • Launched January 28, 2025
  • Delivered through Save on Energy and Enbridge Gas
  • Available across Ontario, regardless of municipality

What it pays for Rebates for energy-saving renovations, including:

  • Cold-climate heat pumps
  • Insulation upgrades
  • Solar panels and battery storage
  • Smart thermostats
  • Windows and doors (select upgrades)

How much you can get

  • Rebates vary by upgrade and fuel type
  • Heat pump incentives can reach several thousand dollars
  • Stackable with utility rebates in some cases

Who’s eligible

  • Homeowners (primary residences)
  • Must use eligible equipment and contractors
  • Pre-approval is often required

Tools like GrantHub’s eligibility matcher can help you quickly filter Ontario rebate programs by renovation type and utility provider.


Canada Greener Homes Grant (Closed)

Many homeowners still ask about this, but it’s no longer available.

  • Closed to new applications: February 2024
  • Final document upload deadline: December 31, 2025
  • No new funding is available in 2026

If you didn’t apply before it closed, you can’t access this grant anymore.


Canada Greener Homes Loan (Closed to New Applicants)

This was a popular interest-free loan, but it’s also no longer open.

  • Last application date: October 1, 2025
  • Existing approved projects can still proceed
  • No new loans are being accepted

Federal Home Renovation Tax Credits (Still Relevant in Ontario)

These aren’t grants, but they can still reduce your renovation costs.

Multigenerational Home Renovation Tax Credit (MHRTC)

Best for: Adding a secondary unit for a senior or adult with a disability.

  • Claim up to $50,000 in eligible renovation expenses
  • Maximum credit: $7,250 (14.5% non-refundable)
  • Claimed on Line 45355 of your tax return

Home Accessibility Tax Credit (HATC)

Best for: Safety and accessibility renovations.

Eligible renovations include:

  • Wheelchair ramps
  • Walk-in tubs or showers
  • Widened doorways
  • Stair lifts and handrails

Credit details

  • Up to $20,000 in expenses
  • Non-refundable federal tax credit
  • Claimed on Line 31285

City-Based Ontario Home Renovation Programs

Your city can make a big difference.

Toronto Home Energy Loan Program (HELP)

  • Low-interest financing, not a grant
  • Up to $125,000
  • Repayment added to your property tax bill
  • Covers energy-efficient renovations

Ottawa Better Homes Loan Program

  • Low-interest loan
  • Up to the lesser of $125,000 or 10% of assessed home value
  • Energy and resilience upgrades only

Ontario Renovates (Municipality-Based)

This is one of the few programs that can feel like a grant.

What it offers

  • Forgivable loans for critical repairs
  • Often targets low-income homeowners
  • Accessibility and safety repairs are commonly covered

Important

  • Rules, funding limits, and intake periods vary by municipality
  • Administered locally (not province-wide)

Common Mistakes to Avoid

  1. Applying for closed programs
    Many websites still list the Canada Greener Homes Grant, even though it’s closed.

  2. Missing pre-approval requirements
    Programs like the Ontario Home Renovation Savings Program often require approval before work starts.

  3. Assuming grants cover general renovations
    Most Ontario programs focus on energy efficiency or accessibility, not cosmetic upgrades.

  4. Ignoring municipal programs
    City loans and forgivable programs are often more generous than provincial ones.


Frequently Asked Questions

Q: Are there free home renovation grants in Ontario right now?
Not for general renovations. Most “free” funding is limited to energy rebates or forgivable loans for low-income households through Ontario Renovates.

Q: Can I still get money for windows or doors in Ontario?
Yes, but mainly through energy rebate programs like the Ontario Home Renovation Savings Program, not federal grants.

Q: Do seniors get special home renovation grants in Ontario?
Seniors may qualify for the Home Accessibility Tax Credit and, in some cities, Ontario Renovates funding.

Q: Are home renovation loans better than grants?
Loans like Toronto HELP don’t reduce costs directly, but they spread payments over time and can fund larger projects.

Q: Can I combine rebates and tax credits?
Yes. Rebates reduce upfront costs, while tax credits reduce taxes owed later.


GrantHub tracks 2,500+ active grant and rebate programs across Canada — check which Ontario renovation programs match your home, city, and project type.


Next Steps

Ontario’s home renovation funding is now more targeted than ever. Energy efficiency, accessibility, and municipal programs matter more than federal grants. If you want a city-specific shortlist or help confirming eligibility, GrantHub makes it easier to see what’s actually available for your renovation plans.

You may also find these helpful:

  • Funding Opportunities Ontario
  • Money from Ontario Government 2025
  • Free Home Renovation Grants Nova Scotia

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