Financial Help

We’re here to provide you with the resources and opportunities, rebates, loans, grants and incentives to get you on the path to an energy efficient home.

Let’s Remove the Cost Barrier

CCET can assist and help you with FREE programs and resources to ensure you benefit from energy savings.

Federal Programs

Canada has federal programs that will assist in reducing the cost of performing home energy retrofits.
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Utilities & Provincial Programs

Enbridge, Hydro One and IESO have assistance available for your home energy retrofits.

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Loans & Financing

There are loans with 0% financing available for your energy efficiency upgrades, and solar installations.
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Rebates & Incentives

Combining 0% financing with rebates and utility programs equals energy savings and cost savings.
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Income Qualified FREE Programs

We want to assist with FREE energy saving ideas, programs and affordable retrofits for your home.
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Connect with More Resources

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Free or Low Cost Income-Qualified Programs

Federal Oil to Heat Pump Affordability Program

Eligible Canadian homeowners can receive a payment of up to $10,000 to switch from oil heating to a new energy-efficient heat pump.

Eligibility:

  • Home is heated by oil
  • Household income is at or below the median household after-tax income level

Eligible measures:

  • Necessary electrical and mechanical upgrades to the home for a new heat pump system
  • Installation of outdoor piping loops for ground source heat pump
  • Safe removal of oil tank
  • Installation of backup electrical heating (as required)
  • Switching over other oil-using household systems, such as a water heater (where necessary)

100% Free Cold Climate Air Source Heat Pumps

Save on Energy—through its Energy Affordability Program—is offering free cold climate air source heat pumps to qualifying Ontario households living in electrically heated homes. The program provides a two-year free maintenance warranty and a 10-year equipment and labour warranty—qualifying households may also be eligible for other free energy efficiency upgrades offered through the Energy Affordability Program, including professionally installed replacement appliances, such as ENERGY STAR® refrigerators, freezers, window air conditioners, and lighting; weatherstripping around doors and windows; attic and basement insulation; and smart thermostats and power strips.

Home Winterproofing Program (HWP) | Enbridge Gas

Enbridge’s Home Winterproofing Program and the Energy Affordability Program are streamlined into one application process to offer free home energy upgrades. If your home and household income levels qualify, you’ll be eligible for free insulation, draft proofing, a smart thermostat, Energy Star® appliances and more. CLEAResult is the authorized delivery partner for IESO’s Energy Affordability Program and Enbridge’s Home Winterproofing Program. CCET is a community distribution partner with CLEAResult. Contact us to receive a free Energy Saving Kit.

Hydro One Low Income Energy Assistance Program

The Low-Income Energy Assistance Program (LEAP) pays up to $1,000 of the amount owing on your bill (and up to $1,200 if your home is electrically heated).

Save on Energy – Energy Affordability Program

The Energy Affordability Program, a program of the Independent Electricity System Operator (IESO), provides expert advice and energy-saving home upgrades completely free of charge for income-eligible households.

If you are responsible for paying your monthly electricity bill as a homeowner or as a renter, then you may qualify for this program. The type of support provided will depend on your household income level from the previous year and how many people live in your home, or on your receipt of a qualifying government or energy-support benefit. Residents of social housing may also be eligible.

Two Types of Support:

Ontario Electricity Support Program

The OESP is an Ontario Energy Board (OEB) program that lowers electricity bills for lower-income households. The OESP provides a monthly credit to eligible customers based on household income and household size. The OESP credits are applied directly to eligible customers’ bills.The OESP on-bill credit amount will depend on how many people live in the house and the combined household income after tax

If you are a customer of an electricity utility and in a lower-income home, you may qualify for a reduction on your electricity bill. Learn more here.

 

Rebates & Incentives

Hydro One- Ontario Electricity Rebate

The Ontario Electricity Rebate (“OER”) provides eligible customers with a 19.3% reduction on the amount of their bill before HST (O. Reg 363/16), as of November 1, 2023.

The following customers are automatically eligible for the OER and do not need to complete the self-declaration form.You will see "Ontario Electricity Rebate” and an amount that is subtracted from your electricity bill:

  • Residential and Small Commercial customers (billed under a Residential or General Service Energy rate class) using less than 50 kW.
  • Commercial accounts that are greater than 50 kW but use less than 250,000 kWh annually.

Enbridge Fixed Incentive Program

Fixed Incentive Program makes it easy to offset the cost of upgrading to energy-efficient natural gas technology. Working with you at every step, our Energy Solutions Advisor will help you identify opportunities, quantify potential savings and provide incentives to offset the cost of upgrading to high efficiency equipment.

Enbridge Business Programs and Incentives

From energy efficiency upgrades to new construction, Enbridge offers rebates and incentives for equipment upgrades, new construction, retrofits and energy assessments.

Loans & Financing

We're updating financing options frequently, so check back about more opportunities that may arise.

Canada Greener Homes Loan

Canada Greener Homes Loan | CMHC (cmCnaahc-schl.gc.ca) (Canada Mortgage and Housing Corp. site)The Canada Greener Homes Loan program offers up to $40,000 in interest free loans for terms up to 10 years. See more details about eligible retrofits and how to apply at the Natural Resource Canada site.

Clean Energy Loan – The RBC Energy Saver Loan is available for RBC customers from coast-to-coast when purchasing hybrid cars, ENERGY STAR appliances, renewable energy projects, and more. You can choose between a 1% interest rate reduction or a $100 rebate on a clean energy audit with your loan.

Mortgage Insurance Loan Rebate – If you’re using a mortgage to buy a certified green home (R-2000, ENERGY STAR, Built Green, LEED, etc), then take advantage of the 25% mortgage loan insurance rebate offered by CMHC, Sagen, and Canada Guaranty.

Canada Green Affordable Housing Program – The Canada Green Affordable Housing Program Homeowners meeting the applicable affordability criteria are eligible to receive funding for retrofits, but must first apply for funding and carry out pre-retrofit activities (such as energy audits and energy modeling studies). CMHC will fund up to 100% of eligible retrofit costs to a maximum of $170,000 per unit; forgivable loans will be either $85,000 per unit or 80% of eligible costs

Steps to Consider

  • Show your banker that you’ve done your homework
  • Seek out other loan and grant sources

Save on Energy – Energy Affordability Program

The Energy Affordability Program, a program of the Independent Electricity System Operator (IESO), provides expert advice and energy-saving home upgrades completely free of charge for income-eligible households.

If you are responsible for paying your monthly electricity bill as a homeowner or as a renter, then you may qualify for this program. The type of support provided will depend on your household income level from the previous year and how many people live in your home, or on your receipt of a qualifying government or energy-support benefit. Residents of social housing may also be eligible.

Two Types of Support:

Enbridge Home Winterproofing Program

Enbridge’s Home Winterproofing Program and the Energy Affordability Program (see Save On Energy) are streamlined into one application process to offer FREE home energy upgrades. If your home and household income levels qualify, you’ll be eligible for free insulation, draft proofing, a smart thermostat, Energy Star® appliances and more. CLEAResult is the authorized delivery partner for IESO’s Energy Affordability Program and Enbridge’s Home Winterproofing Program. CCET is a community distribution partner with CLEAResult.

Federal Programs

Currently paused, but if you are an existing applicant and applied before the program was delivered through Enbridge’s Home Efficiency Rebate Plus program (i.e. you applied before January 4, 2023), then you can continue to use the Canada Greener Homes Portal for updates.

Canada Mortgage and Housing Corp. Offers up to $40,000 in interest free loans for terms up to 10 years

  • Federal Oil to Heat Pump Affordability Program

Eligible Canadian homeowners can receive a payment of up to $10,000 to switch from oil heating to a new energy-efficient heat pump.

Eligibility:

  • Home is heated by oil
  • Household income is at or below the median household after-tax income level

Eligible measures:

  • Necessary electrical and mechanical upgrades to the home for a new heat pump system
  • Installation of outdoor piping loops for ground source heat pump
  • Safe removal of oil tank
  • Installation of backup electrical heating (as required)
  • Switching over other oil-using household systems, such as a water heater (where necessary)

 

 

More DIY Tips

Need more DIY Tips? Subscribe to our newsletter for monthly energy saving tips.

Water Heater

We all need a warm blanket on cold days. Your water heater is no different, especially if it's an older model and is located in a cold area of the house, or basement. Water heater blankets are inexpensive($30-$40) and the cost saving are worth it.

Curtains

Your curtains can be more than a pretty window covering. If you  have curtains made from a heavy fabric it can cut down on cold, drafty air coming in your windows.

Light Bulbs

Changing a light bulb is no joke! If you switch to LED light bulbs, they last for as much as 100,000 hours, or up to 14 years and the energy savings can be significant. No more light bulb jokes when it can save you a few hundred dollars a year if you switch to all LED lighting.

COLD AIR

  • Cold air comes in the home from unexpected places
  • Electrical outlets on outside walls are small places where cold air enters. An inexpensive foam insulator will stop the drafts.
  • Weather stripping is an easy way to stop cold air from entering and warm air from leaving your house.

AIR FILTERS

  • Replace all furnace filters regularly per manufacturer's recommendation. Your furnace will have to work harder with dirty filters.
  • Hot water radiators need bleeding at least once or twice a year to work efficiently. Here's a handy video to guide you.
  • Oil furnaces need annual maintenance. Natural gas and propane furnaces need servicing every two years.
  • Keep the heat flowing and don't block vents and air grills with objects or furniture