All loan applicants

There are some eligibility requirements to meet before applying for the loan:

• You must be a Canadian citizen, permanent resident, or non-permanent resident who is legally authorized to work in Canada
• You must own the home and it must be your primary residence
• You have a pre-retrofit evaluation and have not yet had a post-retrofit evaluation
• Your pre-retrofit evaluation was completed on or after April 1, 2020
• You have not started the retrofits for which you are seeking a loan
• You have a good credit history and are not in:
  • a consumer proposal
  • an orderly payment of debt program
  • a bankruptcy or equivalent insolvency proceeding

Low-rise multi-unit residential buildings

Individual homeowners living in a low-rise multi-unit residential building (MURB) must meet the additional eligibility criteria for MURBs.

Indigenous group applicants

• You are eligible to register multiple homes
• You must own the home(s) or have a formal partnership to represent the owners, but the homes do not need to be the owner’s primary residence
• Your home must be occupied by an Indigenous household
• You must select at least one eligible retrofit for each property subject to the loan

Northern and off-grid communities

Canadians living in northern and off-grid communities face specific challenges when it comes to completing home retrofits, including higher equipment and labour costs. To help with this, all retrofit amounts have been adjusted to provide an additional 30% for northern and off-grid communities.

Additionally, homeowners living in northern and off-grid communities are eligible for replacements of existing fossil-fuel burning equipment. Further, homeowners living in a northern community are eligible for additional insulation measures (attic, ceiling, and exposed floor insulation).

More information for northern and off-grid communities