Canada Greener Homes Loan

Take Advantage of the Canada Greener Homes Loan and Upgrade Your Home With a New Heat Pump

This interest-free loan offers up to $40,000 to help cover the cost of eligible retrofits, including heat pump systems. Experience a seamless heat pump installation with HAMCO. Our expert team provides free consultations, tailored solutions, and expert installation.

What is the Canada Greener Homes Loan?

The Canada Greener Homes Loan is an interest-free financing program designed to help Canadian homeowners make energy-efficient upgrades to their homes. Eligible applicants can access an unsecured personal loan of $5,000 to $40,000, repayable over a 10-year period. This loan allows you to use up to 15% of the approved amount upfront to hire contractors and get started on your home retrofits. Once your upgrades are verified through a post-retrofit energy audit, the full loan amount will be released!

Eligible Retrofits

  • Space and Water Heating
  • Smart Thermostats
  • Renewable Energy
  • Home Insulation
  • Air-sealing
  • Windows and Doors
  • Resiliency Measures

Are You Eligible for the Canada Greener Homes Loan?

Eligibility is determined by these factors:

Canadian Residency

You must be a Canadian resident to qualify.

Property Type

The loan is available for owner-occupied single-family homes, townhouses, and semi-detached homes. Rental and vacation properties are not eligible.

Pre-retrofit Energy Evaluation

A pre-retrofit energy assessment is required, where an energy advisor will evaluate your home. They will provide you with upgrade recommendations and help you determine the loan amount required.

Program Guidelines Compliance

All retrofits must follow the program’s guidelines, which include using approved contractors and adhering to specific standards.

How to Apply for the Canada Greener Homes Loan

1. Complete an Energy Assessment

Schedule an assessment with a certified energy advisor to receive a report on your home’s energy efficiency.

2. Review Loan Options

Based on the assessment, determine the loan amount that suits your financial situation.

3. Prepare Documentation

Gather necessary documents like proof of residence, property details, and the energy assessment report.

4. Submit Your Application

Apply online or at your local government office with the required documents.

5. Await Approval

Your application will be reviewed, and if approved, funds will be provided for your home upgrades!

Frequently Asked Questions

What can’t I use the loan for?

  • Work that has already been started or is completed.
  • Retrofits not recommended in your pre-retrofit evaluation.
  • Retrofits not included in your approved application.
  • Ineligible retrofits under the Canada Greener Homes Grant.

How is the amount calculated?

The maximum eligible amount depends on the chosen retrofits and their associated quotes, capped by industry standards. If the total cost exceeds the maximum, you’ll need to cover the difference.

Can I start the retrofit work before the loan is approved?

You may sign a contract and pay a deposit of up to 50% after submitting your application. However, if your application is not approved, you’ll be responsible for all costs.

Do I have to wait for all work to be completed to get the loan money?

Once approved, up to 15% of the loan can be disbursed upfront for contractor deposits. The rest will be released after the retrofit is verified through a post-retrofit evaluation.

Can I select different contractors for different retrofits?

Yes, you can select multiple contractors, but make sure to provide quotes for all work included in your application.

Can I do the retrofits myself (DIY)?

It’s recommended to hire a licensed professional to ensure your retrofits are completed correctly. It’s your responsibility to make sure all work meets eligibility requirements and is done by qualified individuals. If you choose to do some projects on your own, you’ll need to provide detailed material costs (excluding labour), and all products must be purchased within Canada. Don’t forget to submit all receipts.

Is the Canada Greener Homes Loan available for rental properties?

No, the loan is only available for owner-occupied single-family homes, townhouses, and semi-detached homes.

Are there any additional costs associated with the loan?

The loan is interest-free, so there are no extra costs. However, you might need to cover some upfront expenses.

Contact HAMCO Heating & Cooling for a Free Quote!

Contact HAMCO for a free quote on a heat pump system!

Give us a call at (905) 527-1049 or fill out the form below and one of our home comfort advisors will be in touch with you shortly.

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Riley O'Connell
Riley O'Connell
19:59 21 Jun 26
Derek from Hamco recently serviced the ac and furnace in Burlington and was friendly, cooperative and courteous. Thank you!
Deb Cliffe
Deb Cliffe
18:24 20 Jun 26
Just had Derek out for furnace and AC maintenance. Once again very happy with Hamco service and continue to rate this company 5 Stars !!Hamco was able to respond to my... call within a couple of hours.Najim was thorough and fixed the problem. He was also friendly and courteous. I’ve been with Hamco about 5 years and continue to be happy with my decision to use this companyread more
Janette Thompson
Janette Thompson
13:52 19 Jun 26
Update: We just had our annual maintenance done and as usual, the booking and service were done efficiently and professionally. Cameron was pleasant and before servicing the... furnace and AC he was happy to answer a couple questions I had. Pleased once again with Hamco's service.We were recently faced with our 17-year-old furnace breaking down and beyond repair. Despite the extremely cold weather that resulted in a larger number of service needs for Hamco, Najim met with us in just over 24 hours, spent time accessing and explaining the situation and offering the best options for the needed replacement. He worked to get us up and running quickly with a Saturday install and left us with a space heater to ease discomfort overnight. He was personable, knowledgeable and took time to ensure we were happy with the decision we made. It wasn't an expense we had planned for but Najim eased the situation with his excellent customer service. He was happy to answer any questions we had and worked to ensure we got the best price and service possible. Veronika and Shemar arrived early the next day to replace our furnace with a new Daikin. They were also personable, professional and efficient. We feel fortunate to have Hamco to count on with HVAC needs. They have a great team of people who also seem to greatly appreciate how they are respected and treated by the company. It's wonderful to have a local family-owned business providing excellent service. We've been with Hamco (initial installs and service plans) for 17 years and plan to continue with them as needs arise.read more
Laura House
Laura House
15:59 18 Jun 26
We’ve used Hamco for years. Always reliable. Derek was prompt and efficient in the yearly maintenance of our furnace and air conditioner.
Carol Belacca
Carol Belacca
03:31 17 Jun 26
A heartfelt thank you to Josh and Adam for their very awesome service. I really appreciated the way they took the time to put my home back to again. I cannot recommend Hamco... to everyone, fantastic company.read more
Paige Ogrodnick
Paige Ogrodnick
01:41 17 Jun 26
Derek was great. Came out and did a full assessment and reassured us that our furnace was working fine. Awesome service always from Hamco.
Domenic Di Pasquale
Domenic Di Pasquale
16:07 16 Jun 26
Derek, came for my A/C check-repair, and furnace check. He was very knowledgeable and quick. All working very good now.Thank You !
Ken Gibson
Ken Gibson
00:32 16 Jun 26
Justin and Josh did an amazing job, they were organized and left my home clean after they were finished. Thank you Hamco!
Niki Knuckles
Niki Knuckles
21:18 15 Jun 26
Honest, expert advice! I asked HAMCO about adding a HEPA filter and UV light to my gas forced air furnace. Instead of selling me an expensive, unnecessary installation,... Andrew honestly advised that portable units would suit my needs much better. That level of integrity is rare. They truly care about the client over making a quick profit. Highly recommend!read more
Harvey Levenstein
Harvey Levenstein
21:45 12 Jun 26
Derek was excellent.
Sean Lynch
Sean Lynch
15:45 12 Jun 26
We had a leak coming from our furnace, so called to have it looked at. Christian showed up on time(doesn’t often happen in service industry)! He was really polite and... friendly. He was able to diagnose the problem quickly (blockage in drainage pipe), and had it fixed. I always have lots of questions about the problem and what to do going forward and he was able to answer them all. Whole visit took about 20 minutes. Very satisfied! Thanks HAMCO!read more
Luigi Borghesan
Luigi Borghesan
00:22 12 Jun 26
Excellent work as always. Cameron was very pleasant, professional efficient and knowledgeable. We have always been extremely pleased with HAMCO
Cynthia McKnight
Cynthia McKnight
20:29 11 Jun 26
Derek was great! He found the issue with our condensation pump and fixed it right away. He was friendly and professional. We’ve had a great experience with Hamco!
Sharon Hachey
Sharon Hachey
16:23 11 Jun 26
Derick did an annual inspection on our A/C today. Derick did a thorough job and we are very happy. He was very friendly and efficient. We couldn’t be more pleased with... Hamco’s service. Thank you Derick.read more
Wail Dimassi
Wail Dimassi
19:01 09 Jun 26
Thank you Margaret for setting up our Annual furnace inspection and cleaning to meet our availability. It is great to know that I never have to worry about scheduling this... as you are always on top of it.read more
Elaine Burgess
Elaine Burgess
18:58 09 Jun 26
Cameron was friendly, respectful and efficient and completed our AC service in no time. Great job!
Tiffany George
Tiffany George
19:12 05 Jun 26
Had a great experience, and he was very nice
James Thomson
James Thomson
09:11 30 May 26
Christian was very responsive in addressing the cooling issue relating to our AC.He explained in detail the operation of the unit and the repairs he completed.
William Day
William Day
15:28 29 May 26
On May 20 we had a Hamco tech, Cameron, come to check out our furnace & Aircon. He was very polite personable & professional. He is a credit to your organization.
Emily Lyons
Emily Lyons
19:21 28 May 26
We recently bought an older house. We have been experiencing numerous problems with the air filtering in our bathrooms and laundry rooms. Very through. Answered all of our... questions or concerns. Went through all of our vents, tested them, and explored all causes of the possible problems. Very, very, thankful he came by as he detected a carbon monoxide leak that we were unaware of due to faulty Reno’s by previous owners.read more
Khalid Sayer
Khalid Sayer
18:32 28 May 26
C M
C M
16:00 27 May 26
Christian just did a service call for us - great service
Randy McLelland
Randy McLelland
14:00 27 May 26
Cameron was very friendly and courteous. He was knowledgeable when asked questions about temperature issues and gave suggestions to help resolve . Great Service.
Barbara Hanel
Barbara Hanel
14:10 26 May 26
Cameron was the technician sent by Hamco, to service my AC. He was pleasant, and engaging and did a thorough inspection and cleaning of my AC unit. Would definitely recommend... this company.read more
Benjamin Smith
Benjamin Smith
14:47 25 May 26
Qais Pasha
Qais Pasha
21:30 24 May 26
Hamco sent over a technician on a Sunday to review a defective AC unit, Derrick was able to diagnose the motor issues and offer me options for replacement instantly. I was... grateful for the quick service and solution.read more
Vansan 2.0
Vansan 2.0
12:21 24 May 26
Very prompt service. Mr.Derek from Hamco visited us a few days back to diagnose the issue with heat pump. Explained clearly the issue and next steps for resolving the issue.... Very professional and great to deal with.Thanks Derek & Hamco for your service.read more
Deborah Brown
Deborah Brown
23:33 21 May 26
Derek was very nice. When I didn’t have a manual do he could check the thermostat program, he googled it and figured it out.
Ishbel Roberts
Ishbel Roberts
22:33 20 May 26
excellent service from Cameron
G Wolfe
G Wolfe
22:59 16 May 26
We had our AC repaired. Excellent, from start to finish. Communication was clear. Price was fair. Work was efficient and thorough. A special thank you to Derek.
Elaine Daniels
Elaine Daniels
19:41 14 May 26
Derek was friendly and did the work to fireplace and furnace. Very informative
Mike Moulden
Mike Moulden
16:23 14 May 26
Cameron provided us with the best service experience in our dealings with Hamco over the last 25 years. Hamco are a terrific outfit who over this time have supplied two gas... furnaces and three furnaces and two air conditioners.They are a solid outfit who you can trust to look after your needs.read more
Bill Pearce
Bill Pearce
20:16 13 May 26
Hamco's technician, Cameron did annual maintenance on my AC today. Very happy with his work. He was courteous, efficent and thorough.
John
John
15:33 13 May 26
I've been dealing with Hamco now for 26 years - on my 3rd house and have only had good experiences with Hamco. An example of how their staff go above and beyond is during the... installation of my furnace in 2006, my elderly neighbour complained about the wasps flying around her house. The furnace installers noticed where they were going in and resolved the problem.I get the air-conditioner checked annually and the technicians are always professional and knowledgeable. A special shout-out to Cameron who looked after the inspection today and explained the readings today.I would, without reservation, recommend Hamco to anyone needing heating and cooling equipment.read more
Stephen White
Stephen White
16:27 12 May 26
After doing a significant amount of research I contracted with HAMCO to install a heat pump to replace my aging air conditioner, and a new furnace. Andrew Vasilak handled... the transaction, and he was terrific to deal with. He was helpful, informative, and there were no high pressure sales tactics. The quote was identical to what I paid.The installation of the products was superb! Both my new heat pump and furnace were installed in one day. The four men who did the installation were on time, dependable and thorough. Since the installation the heat pump has been superb. Air quality in the house is significantly better, and the air temperature has been constant. I had one minor problem, and called HAMCO late at night on a long holiday weekend for assistance. I had a return phone call back in five minutes, a repairman out to my house the next morning, and the problem was fixed quickly. The service technician who dealt with my issue was professional, polite and responsive.HAMCO has been around since 1946. They are an established Hamilton company that offers old fashioned, high quality service at a fair price. I would not hesitate to recommend them.Update: May 12/26I just had HAMCO into perform an annual inspection of my heat pump, furnace and water heater. Christian did an amazing job! He was professional, thorough and extremely detailed. He took the time to explain what he was doing, and his answers to my questions were clear and concise.I continue to be impressed with HAMCO. They do amazing work, and it is reassuring to know you can depend upon them when necessary.read more
Catherine Kelemen
Catherine Kelemen
00:38 09 May 26
We were very happy with the professional service Derek provided in servicing our furnace and air conditioner. He identified some issues and worked quickly with the head... office to resolve them promptly. His communication skills were excellent both by telephone and in person. It was a pleasure dealing with him.read more
Dawn Spencer
Dawn Spencer
23:54 07 May 26
Very pleased with Hajim. He was courteous and did a great job. He was very thorough with my old furnace and explained his findings.2026. Cameron and Hajim did an... excellent job. Allu questions were answered. Thanks for your great service.read more
Tracey Ryan
Tracey Ryan
13:45 07 May 26
Hamco is part one of the contractors hired by our General Contractor/designer; 215 Design Co. Derek came to complete the work required and I have to say I was very... impressed. He came in and did the work efficiently, he was very polite and overall nice to deal with. Thank you Derek!read more
Lola MacMilllan
Lola MacMilllan
00:24 05 May 26
Everyone from the office staff, to owner, to tech Najim were a pleasure to deal with. Would hire again and would definitely recommend to friends and family. Thank you Hamco... for keeping us cool this summer!read more
Brandon Schofield
Brandon Schofield
21:42 27 Apr 26
Excellent. Najim was extremely helpful. It’s great to work with a company that knows what they’re doing. Highly recommend.
Alice Schmuck
Alice Schmuck
19:15 27 Apr 26
Excellent service. The technican Derek did an excellent job.
Anas Mustafa
Anas Mustafa
18:19 27 Apr 26
Hamco installed my AC unit about 7–8 years ago, and they’ve been great to work with ever since. Their service is consistently excellent. Steve recently came by to... troubleshoot an issue, and he was incredibly knowledgeable and professional. He went above and beyond, even helping with a couple of other concerns. Outstanding service all around.read more
Orland Howard
Orland Howard
17:41 23 Apr 26
April 22/26 Wellington square co operative inc. resident.Maintenance inspection by: Najim.I found Najim to be very peronal,courteous, polite, and professionalty... informative. Task oriented and timely. I have had Najim work in my residence before as well as other HAMCO employees andinteraction with conntact personel on other inspections and can say the same for them had I known about employee reviews. All good representaives of HAMCO. Thank you HAMCO and employees.read more
Samantha K
Samantha K
00:50 23 Apr 26
Had a maintenance service done on my HVAC system by Najim and was very impressed. He was on time, professional, and very thorough. He checked everything carefully, cleaned... the unit, and made sure it was running efficiently. Took the time to explain what was done and answered all my questions. Highly recommend Najim!!read more
Patrick
Patrick
15:45 22 Apr 26
Great experience. Derek was professional, friendly, clearly has lots of experience, and answered all my questions. Highly recommend.
Patricia Baker
Patricia Baker
14:45 22 Apr 26
Derek, the service person, is one of the best maintenance people we have encountered in many different countries. He quickly identified the problem with our hot water heater... temperature control, explained the situation, arranged for a replacement and was friendly throughout. Thank you Derek and Hamco.read more
Astibus Gaming
Astibus Gaming
00:20 22 Apr 26
Najim did our AC maintenance today and he was very knowledgeable, professional and polite. I am very happy with his services, will always request for Najim going forward!... Thank you Hamco!read more
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