Help Available for Energy-saving Retrofits

by Debra Mair

If the upfront costs of energy-saving renovations seem prohibitive, the City of Ottawa has a solution for you: no-interest loans. The City of Ottawa’s 2026 Budget included additional support for the Better Homes Ottawa loans program.

The program issues loans of up to $125,000 (or 10% of the current value assessment of the home, whichever is less) to cover the cost of energy improvements. Eligible measures include thermal envelope upgrades (e.g., insulation), mechanical systems (e.g., for heating or cooling), renewable energy, EV chargers (Level 2), and the addition of rental suites. Loans are low interest or no interest loans and are paid back over 20 years. The loan is attached to the house, so if you sell, the remaining debt goes forward with the house.

To learn more, including the eligibility criteria for obtaining a 0% interest loan, look on the City of Ottawa website https://betterhomesottawa.ca/rebate-and-incentive-programs/better-homes-loan-program/ or contact betterhomes@envirocentre.ca.

Making your home more energy efficient isn’t just about helping the environment. It can also be a financial decision connected to monthly bills and the long-term value of your house. Check out the resources at https://greenbuildingcanada.ca/energy-efficient-home-upgrades-payback/ to help you decide which energy upgrades are worth it for you.