Better Homes Loan Program

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Man insulating a loft

The City is developing a proposed Better Homes Loan program to help reduce greenhouse gas emissions in Ottawa.

The Better Homes Loan program will make it easier and more affordable for homeowners to pay for home improvements over time as they save on their energy bills. Through the proposed Better Homes Loan program, Ottawa homeowners could get a low-interest loan of up to 10 per cent of the current value of their home to cover the cost of home energy improvements. The loan would be tied to the property not the owner. This means that if the home is sold before the loan is repaid, the new owner will assume the balance of the loan.

The program will include an online tool to help homeowners decide which retrofits to implement based on cost-benefit and greenhouse gas reduction potential. It will also help homeowners connect with qualified contractors and include details of rebates and incentives.

Have your say

We are seeking input on the proposed Better Homes Loan Program including:

Please let us know your comments on the proposed Better Homes Loan Program by completing the survey by May 9, 2021. Your feedback will help us finalize the program details.

We want to hear from:

  • Residents
  • Ottawa homeowners
  • Ottawa renters
  • Community groups and organizations
  • Contractors
  • Landlords
  • Real estate agents
  • Mortgage lenders

Stay informed

If you would like to receive updates on the Better Homes Loan Program and other climate change news subscribe to the climate change e-newsletter.




The City is developing a proposed Better Homes Loan program to help reduce greenhouse gas emissions in Ottawa.

The Better Homes Loan program will make it easier and more affordable for homeowners to pay for home improvements over time as they save on their energy bills. Through the proposed Better Homes Loan program, Ottawa homeowners could get a low-interest loan of up to 10 per cent of the current value of their home to cover the cost of home energy improvements. The loan would be tied to the property not the owner. This means that if the home is sold before the loan is repaid, the new owner will assume the balance of the loan.

The program will include an online tool to help homeowners decide which retrofits to implement based on cost-benefit and greenhouse gas reduction potential. It will also help homeowners connect with qualified contractors and include details of rebates and incentives.

Have your say

We are seeking input on the proposed Better Homes Loan Program including:

Please let us know your comments on the proposed Better Homes Loan Program by completing the survey by May 9, 2021. Your feedback will help us finalize the program details.

We want to hear from:

  • Residents
  • Ottawa homeowners
  • Ottawa renters
  • Community groups and organizations
  • Contractors
  • Landlords
  • Real estate agents
  • Mortgage lenders

Stay informed

If you would like to receive updates on the Better Homes Loan Program and other climate change news subscribe to the climate change e-newsletter.




  • Proposed measures eligible for financing

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    Measures eligible for financing under the proposed Better Homes Loan Program include:

    Thermal envelope upgrades:

    • Insulation
    • Attic ventilation
    • Air barriers
    • Window, skylight, and exterior door replacements
    • Daylighting devices and exterior window shadings or films
    • Air-sealing and weather stripping
    • Related drywall and painting

    Mechanical systems:

    • Thermostats
    • Energy/heat recovery ventilators
    • Air and ground source heat pumps
    • Wood heaters
    • Heat distribution systems
    • Duct sealing
    • Fans
    • Water heaters
    • Drain water heat recovery systems
    • Solar hot water systems
    • Associated electrical equipment as required

    Renewable energy, energy storage and electric vehicle chargers:

    • Solar photovoltaic (PV) systems
    • Electric vehicle chargers
    • Battery storage
    • Associated electric and load management equipment

    Water efficiency:

    • Low-flow toilets
    • Hot water circulation system
    • Greywater system
    • Water recovery system
    • Rainwater harvesting system.

    Health and safety measures:

    • Environmental remediation
    • Electrical upgrades required to permit energy improvements

    Climate adaptation improvements:

    • Back-flow prevention valves
    • Sump pumps
    • Foundation waterproofing and drainage
    • Permeable pavement
    • Tree planting.

    Additional dwellings:

    • Rental apartments up to 30% of loan value

    Other related costs:

    • Lighting
    • Controls
    • Home Energy Audits
    • Permits
    • Demolition
    • Waste removal
  • Proposed eligibility requirements

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    Through the proposed Better Homes Loan Program, you may qualify for a loan through the program if:

    • You own a detached, semi-detached, townhouse or multi-unit residential unit building of three stories or less within the City of Ottawa boundaries
    • The property has a property tax account with the City of Ottawa
    • Your property tax, utility bills and all other payment obligations to the City of Ottawa for the past five years are in good standing
    • Your mortgage lender does not prohibit your involvement

  • Proposed application process

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    The proposed application process for the Better Homes Loan Program is as follows:

    Step 1: Homeowner completes the application forms. City approves the application if it meets all the requirements.

    Step 2: Homeowner gets an EnerGuide energy audit which identifies measures required. Homeowners selects a contractor(s) to complete the work. City provides 30 per cent of funds upfront to cover deposits.

    Step 3: Work is completed. A post work EnerGuide energy audit is carried out. City provides the balance of the loan.

    Step 4: Homeowner deems work is complete and pays contractor(s).

    Step 5: Homeowner repays the loan over time via their property tax bill.