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Rebates & financing

Rebates for Ottawa heating & cooling upgrades

Heat pump rebates, home energy loans and smart thermostat incentives you can use in Ottawa right now, in plain language, with links to the official pages.

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Programs you can apply for

Last checked against the official program pages on November 1, 2026. Programs change during the year, so we confirm what you qualify for during your free estimate.

01RebateEnbridge Gas & Save on Energy (IESO)

Home Renovation Savings Program

Ontario's main home energy rebate program, launched in January 2025. It offers rebates on heat pumps, smart thermostats, insulation, windows and doors, and other upgrades, with larger amounts for homes not heated by natural gas.

  • Cold climate air-source heat pumps
  • Ground-source heat pumps
  • Smart thermostats
  • Insulation and air sealing
  • Windows and doors
  • Heat pump water heaters
  • Home energy assessments

How much

Up to $7,500 for a cold climate air-source heat pump in a home heated by electricity, oil, propane or wood ($1,250 per ton), or up to $2,000 in a home heated by Enbridge natural gas ($500 per ton). Up to $12,000 for a ground-source heat pump in a home heated by electricity, oil, propane or wood, or $3,000 in a gas-heated home. $125 for a smart thermostat. With a home energy assessment and two or more upgrades: up to $7,700 for insulation, up to $250 for air sealing, $100 per window or door opening, and $500 for a heat pump water heater.

Who qualifies

  • You own the home (landlords apply for rental units).
  • Detached, semi-detached, row or townhouse, or a mobile home on a permanent foundation.
  • Heated mainly by Enbridge natural gas, or connected to the Ontario electricity grid and heated by electricity, oil, propane or wood.
  • Heat pumps must be installed by a participating contractor and pre-approved before installation.
  • Heat pumps must be on the Natural Resources Canada qualified products list.
  • Smart thermostat rebates must be claimed within 60 days of purchase, one per home.
Official program page
02OtherSave on Energy (IESO)

Peak Perks

Pays you for letting Save on Energy make small, brief adjustments to your smart thermostat on the hottest summer weekday afternoons. You keep control and can override any adjustment.

  • Smart thermostats controlling central air conditioning or a ducted heat pump

How much

$75 when you enrol, plus $20 for each year you stay enrolled.

Who qualifies

  • Ontario residential electricity customer (homeowners and renters).
  • An approved Wi-Fi smart thermostat that controls central air conditioning or a heat pump.
  • Not enrolled in another Ontario demand response program that adjusts your thermostat.
  • Incentives are capped at three devices per address.
Official program page
03RebateSave on Energy (IESO), with Natural Resources Canada

Energy Affordability Program

Free energy upgrades for income-qualified households, which can include a cold climate air-source heat pump for homes heated by electricity or oil. Federal Oil to Heat Pump Affordability funding is delivered in Ontario through this program.

  • Cold climate air-source heat pumps (electric or oil-heated homes)
  • Attic and basement insulation
  • Draft proofing
  • Smart or programmable thermostats

How much

Up to $25,000 for income-qualified households switching from oil heating to a heat pump, plus a $250 upfront payment (federal and provincial Oil to Heat Pump Affordability funding, announced September 2025).

Who qualifies

  • Homeowners and renters who hold the utility account.
  • Before-tax household income under the program limit (for example, $96,439 for a household of four), or receiving support such as OESP, LEAP, ODSP or Ontario Works.
  • Upgrades depend on an in-home assessment and the home's existing equipment.
Official program page
04LoanCity of Ottawa (administered by EnviroCentre)

Better Homes Ottawa Loan Program

A City of Ottawa loan for home energy upgrades, including heat pumps, repaid over 20 years through your property tax bill. Natural gas furnaces and water heaters are not eligible.

  • Air-source and ground-source heat pumps
  • Insulation and air sealing
  • Windows and doors
  • Solar panels

How much

Loans from $10,000 up to $125,000 or 10% of the home's assessed value, whichever is less, repaid over 20 years.

Who qualifies

  • City of Ottawa property tax account in good standing.
  • Detached, semi-detached, townhouse, or multi-unit residential building of three storeys or less.
  • An EnerGuide home energy assessment, and at least one upgrade from the assessment report completed.
  • Repayment is added to the property tax bill as a local improvement charge.
Official program page

02Ended

Programs that have closed

People still ask about these. They're no longer taking new applications.

  • Natural Resources Canada · Loan

    Canada Greener Homes Loan

    This program has ended. The federal interest-free loan stopped accepting new applications in October 2025 because its funding was fully committed; homeowners who already have an approved loan are not affected.

    Official notice

  • Natural Resources Canada & Enbridge Gas · Rebate

    Canada Greener Homes Grant and Enbridge Home Efficiency Rebate Plus (HER+)

    This program has ended. HER+ stopped taking new applicants on February 5, 2024, and the final deadline for Ontario participants was December 2025; the Home Renovation Savings Program is now the main rebate program in Ontario.

    Official notice

FAQ

Rebate questions

Not covered here? Call 613-315-7325 and ask a technician.

Can I get a rebate on a new gas furnace?

Generally not through the programs above. Current Ontario incentives focus on heat pumps, insulation and other upgrades that cut energy use. The Better Homes Ottawa loan also excludes gas furnaces. A hybrid setup, with a heat pump doing most of the heating and a gas furnace as backup, can still qualify for the heat pump portion.

Do I need to apply before the work is done?

For Home Renovation Savings heat pump rebates, yes: the heat pump has to be pre-approved before it's installed. Other programs have their own steps, so check the official page before you book the install.

Can I combine programs?

Often you can pair a rebate with financing, for example a Home Renovation Savings heat pump rebate with a Better Homes Ottawa loan. Each program sets its own rules, so confirm on the official pages.

Will you help with the paperwork?

We'll give you the equipment details and documents a program asks for, and walk you through what's needed during your estimate.

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