Canada Greener Homes Loan
Upgrade Your Home Comfort with the Canada Greener Homes Loan & CK Mechanical
Experience the benefits of a heat pump with the help of the Canada Greener Homes Loan.
This interest-free loan provides up to $40,000 to finance eligible home improvements, including the installation of a qualifying heat pump. Reduce your energy consumption, lower your carbon footprint, and create a more comfortable home environment.
Let CK Mechanical’s experts guide you to the perfect heat pump. Contact us today for a free sales consultation!
How it Works:
1. Get a pre-retrofit evaluation
A certified energy advisor assesses your home’s efficiency and recommends eligible upgrades.
2. Choose your upgrades
Select from a range of energy-saving improvements like heat pump systems, insulation, windows, doors, and more.
3. Apply for the loan
Submit your loan application with necessary documentation.
4. Complete your upgrades
Let CK Mechanical install your new heat pump. Free consultation included.
5. Get a post-retrofit evaluation
Verify completed upgrades and receive final loan amount.
Canada Greener Homes Loan FAQs
What are the basic loan details?
Interest-free loans of $5,000 to $40,000 are available for eligible properties and homeowners. These unsecured personal loans require approved credit and must be repaid within 10 years. Only one loan is permitted per property and homeowner.
What can’t I use the loan for?
You cannot apply for a loan for: work already started or completed; retrofits not recommended in your pre-retrofit evaluation; retrofits not included in your approved application; or for retrofits ineligible for a Canada Greener Homes Grant.
What retrofits are eligible for the loan?
Eligible retrofits include: Home insulation, air-sealing, windows & doors, thermostats, space & water heating, renewable energy, and resiliency measures. Please note that the costs of pre and post evaluations are NOT covered by the loan.
How is the amount calculated?
The maximum eligible loan amount is determined by your chosen retrofits and the associated quotes. This amount is capped based on industry standards and market norms. If your total quoted cost exceeds the maximum eligible loan amount, you’ll be responsible for covering the difference.
Can I start the retrofit work before the loan is approved?
After submitting your loan application, you may sign a contract and pay a deposit of up to 50%. Please note that if your application is not approved, you will be responsible for all costs.
Do I have to wait for all work to be completed to get the loan money?
Upon approval, a portion of the loan (up to 15%) can be disbursed upfront to cover contractor deposits. The remaining balance will be released after the retrofits are completed and verified through a post-retrofit evaluation.
Who is eligible to apply for the loan?
Basic Requirements:
- You must be a Canadian citizen, permanent resident, or non-permanent resident legally authorized to work in Canada.
- The home must be your owned primary residence.
- You have a pre-retrofit evaluation but not yet had a post-retrofit evaluation.
- Your pre-retrofit evaluation was completed after April 1, 2020.
- You have not started the retrofits for which you are applying for.
- You have good credit and are not in a consumer proposal, orderly payment of debt program, bankruptcy, or equivalent insolvency proceeding.
Please note that low-rise multi-unit residential buildings and Indigenous group applicants have different requirements. Visit the Canada Greener Home Loan website for more details.
Can I do the retrofits myself (DIY)?
Certain retrofits require a licensed and trained professional. It’s your responsibility to ensure that all work is eligible and completed by qualified individuals. While we recommend using professionals whenever possible, you can perform some retrofits yourself. However, you must provide detailed material costs (excluding labour) for self-completed work. All products must be purchased within Canada, including online purchases from Canadian distributors. You’ll need to submit all receipts.
Can I select different contractors for different retrofits?
You may use multiple contractors to complete your selected retrofits. Ensure that you provide quotes for all the work included in your application.

Key Benefits of the Canada Greener Homes Loan
Interest-free financing
Enjoy flexible repayment terms.
Energy savings
Cut costs and help the planet.
Increased home value
Enhance your property’s appeal.
Government support
Maximize your savings.
REVIEWS
Request a Free Quote
Contact CK Mechanical for a free heat pump consultation and learn how to maximize your savings.
Call us (519) 967-2585 or complete the form below and a CK representative will be in touch with you soon.