Saving Money on Home Renovations in 2025: Grants, Rebates and Smart Strategies

In 2025, an uncertain economy and rising costs have Canadians looking to stretch every renovation dollar. Higher interest rates and material prices mean homeowners are seeking creative ways to save money on home improvements. Fortunately, there is relief: a variety of government grants, rebates and incentive programs can offset renovation costs, and strategic planning can further ensure your custom build or remodel stays on budget. This article gathers all the key grants and money-saving tips in one place – from federal and provincial programs to local Oakville/Toronto incentives and practical cost-cutting strategies – to help you make the most of your renovation investment.

Federal Programs and Tax Credits (Canada-wide)

The federal government offers several initiatives in 2025 to help homeowners save on renovations, especially for energy efficiency and accessibility upgrades:

• Canada Greener Homes Grant: Offers up to $5,000 in rebates for energy-efficient retrofits (plus $600 toward the required home energy audits) (Ecohome). Eligible upgrades include insulation, windows, doors, heat pumps, solar panels, etc. Who’s eligible: Owners of primary residences who complete pre- and post-retrofit energy evaluations. Key info: As of early 2024 this grant reached capacity and stopped accepting new applications, but existing applicants can still complete retrofits. (Ontario homeowners can now access similar rebates through the new provincial program – see below.) No new federal deadlines announced yet, but future climate-focused home improvement incentives are expected.

• Canada Greener Homes Loan: An interest-free loan of up to $40,000 (10-year term) to finance deep energy retrofits. Who’s eligible: Homeowners approved for the Greener Homes Grant (the loan is a companion program). Key info: Covers larger projects like solar panels or full home insulation upgrades. No interest is charged, but as the grant intake is paused, this loan is effectively on hold for new applicants in 2025.

• Oil to Heat Pump Affordability Program (OHPA): Up to $10,000 upfront grant for households switching from oil heating to an electric heat pump (The Oil to Heat Pump Affordability Program  - Canada.ca). This is aimed at low- to median-income families who currently heat with oil. Who’s eligible: Canadian homeowners using oil as primary heat, below a regional income threshold (e.g. household income under about $100,000, varies by region). Details: Funds can cover the heat pump installation and related costs (electrical upgrades, oil tank removal). Some provinces have added their own funds, boosting the grant to $15,000 in those regions (The Oil to Heat Pump Affordability Program  - Canada.ca). Ontario is negotiating a top-up as well (The Oil to Heat Pump Affordability Program  - Canada.ca). How to apply: Via the NRCan OHPA portal; unlike Greener Homes, you don’t need to pay upfront and wait for reimbursement – the grant is an upfront payment. No firm deadline, but funding is limited.

• Multigenerational Home Renovation Tax Credit: A new 15% federal tax credit for creating a secondary housing unit for a senior parent or an adult with disabilities. Families can claim up to $50,000 in qualifying construction costs (maximum $7,500 credit) (Government Rebates & Credits | Pacd Homes). Who’s eligible: Homeowners adding a self-contained suite for a qualifying relative (65 or older, or with a disability). Key info: Expenses must be for a newly finished space (e.g. basement apartment or garden suite) that will be the relative’s principal residence. Claim is made on your income tax return (no application portal; keep your receipts). This credit is available for expenses from 2023 onward, with no current end date.

• Home Accessibility Tax Credit: A 15% tax credit for renovations that improve accessibility or safety for seniors (65+) or disabled individuals (who qualify for the Disability Tax Credit) (Government Rebates & Credits | Pacd Homes). You can claim up to $10,000 of eligible expenses per year (max $1,500 credit). Eligible projects: wheelchair ramps, walk-in tubs, grip bars, non-slip flooring, widening doorways, etc., in a principal residence. Who’s eligible: Seniors or disabled persons (or their supporting family members) renovating their home to improve mobility or reduce injury risk. Like the above, this is claimed at tax time – no specific deadline as it’s an ongoing tax provision.

• GST/HST New Housing Rebate (New Home/Substantial Renovation Rebate): If you are building a brand new house or conducting a major renovation (generally 90% of the home or building a significant addition), you may be eligible for an HST rebate. In Ontario, this rebate can return up to $24,000 of the provincial portion of HST on a new or substantially renovated home (HST Housing Rebate Ontario, Canada | GST New Housing Rebate Ontario). Federally, you can also get a rebate on the 5% GST portion if the home’s fair market value is under $450,000 (max ~$6,300, phasing out at $450k) (HST Housing Rebate Ontario, Canada | GST New Housing Rebate Ontario) (HST Housing Rebate Ontario, Canada | GST New Housing Rebate Ontario). Who’s eligible: Homeowners who are constructing a new principal residence, rebuilding a home on an existing foundation, or gut-renovating an existing home to the point it’s deemed “substantially renovated” by CRA. Key info: The home must be your primary residence (or that of an immediate family member). Applications are done through CRA forms after completion, and even homes above $450k still qualify for the provincial rebate in Ontario (HST Housing Rebate Ontario, Canada | GST New Housing Rebate Ontario). This is a significant incentive for custom home builds – for example, on a $800k new build in Ontario you could get $24k back from the province (even though the federal portion would not apply due to the price).

Ontario-Wide Programs (Provincial Government)

Ontario’s provincial programs in 2025 put a big focus on energy efficiency and adding housing units, helping residents save money on upgrades:

• Home Renovation Savings Program (Ontario Energy Rebates): Launching January 28, 2025, this new program offers rebates covering up to 30% of the cost of various energy-efficient home upgrades ( In the Air - HRAI Industry News ) (Ontario’s New and Expanded Energy Efficiency Programs | GovtMonitor). It is a joint initiative by the Ontario government, Enbridge Gas, and the Independent Electricity System Operator (Save On Energy). Rebate amounts include: $100 per rough opening for new Energy Star windows or doors; up to $8,900 for insulation upgrades (attic, wall, basement) (Ontario’s New and Expanded Energy Efficiency Programs | GovtMonitor); up to $250 for professional air sealing; $75 for installing a smart thermostat; $500 for a heat pump water heater; up to $7,500 for a cold-climate air-source heat pump, or $12,000 for a ground-source (geothermal) heat pump ( In the Air - HRAI Industry News ). Solar photovoltaic panels and battery storage systems are also incentivized (up to $5,000 each, for $10,000 total) (Ontario’s New and Expanded Energy Efficiency Programs | GovtMonitor). Who’s eligible: Ontario homeowners (including those heating with gas, electricity, oil, or propane – the program is fuel-neutral. Key requirements: Work must be done by qualified contractors. For certain retrofits (like combining insulation + windows), a pre/post energy assessment is required to receive rebates, and the program will even cover $600 of the energy audit cost. Notably, some big-ticket items (heat pumps, solar) can get rebates without a prior audit or bundling. How to apply: Homeowners can apply through the official Home Renovation Savings portal or via Enbridge/Save On Energy. After your upgrades and any required inspection, rebates are paid out within ~30–60 days of approval. Deadline: No fixed end date; it’s part of a multi-year $10.9 billion efficiency plan. (Tip: Later in 2025, Ontario plans to expand this program to include rebates on energy-efficient appliances like fridges and freezers as well (Ontario’s New and Expanded Energy Efficiency Programs | GovtMonitor) – so stay tuned for even more ways to save.)

• Ontario Renovates (Home Repair Program): This is a provincially funded, municipally delivered program offering financial assistance for necessary home repairs and accessibility modifications for low-to-moderate income homeowners. Typically, it comes as a forgivable loan or grant, often up to around $15,000–$25,000 for urgent repairs (roof, foundation, furnace, etc.) or retrofits like wheelchair ramps and grab bars. If an accessibility project is involved, a portion may be a straight grant (for example, Niagara Region offers a $5,000 grant for accessibility on top of a forgivable loan) (Housing - Home improvement / renovation / accessibility - 211 Ontario). Who’s eligible: Each city or region sets income and asset thresholds – for example, a maximum household income and a max house value (often the home’s assessed value must be below a certain figure, e.g. ~$470,000 as noted in past program guidelines) (Government Rebates & Credits | Pacd Homes). Key info: Funds are limited and not all municipalities have active intakes. (Toronto’s Ontario Renovates program, for instance, was discontinued due to lack of provincial funding, while some regions like Halton and Hamilton still offer it in limited capacity.) Homeowners usually must agree to continue occupying the home for a minimum period (often 10+ years) as the loan is gradually forgiven. How to apply: Through your local city or region housing department when funding rounds open. Check with Halton Region or your municipality’s housing services to see if Ontario Renovates funds are available in 2025.

• Development Charges Waiver for Secondary Units: To encourage adding rental units or in-law suites, Ontario’s recent housing legislation (Bill 23, More Homes Built Faster Act 2022) eliminated municipal development charges for creating secondary suites, basement apartments, or garden suites on your property (Government Rebates & Credits | Pacd Homes). What this means: If you add a self-contained unit to your home or lot (up to two additional units are allowed as-of-right in many areas), you won’t have to pay the development charges that would normally apply. These fees could be tens of thousands of dollars, so this is a significant saving for homeowners building a laneway house, coach house, or basement apartment. Eligibility: The unit must be ancillary to your principal unit (and typically not larger than the main dwelling). Check with your city’s planning department for local implementation, but broadly in Oakville, Toronto and across Ontario, this fee exemption is in effect. (While not a grant, we include this since it directly reduces the cost of a major renovation/custom build by removing a hefty fee.)

Oakville/Halton Region – Local Incentives

Homeowners in Oakville and surrounding Halton Region have access to a few local programs to save money, particularly around flood protection, heritage homes, and water conservation:

• Halton Region Basement Flooding Prevention Subsidies: Halton offers very generous rebates to help residents install flood prevention measures. You can get up to $8,175 in total rebates for eligible work through the Enhanced Basement Flooding Prevention Program. This includes: 100% of the cost (up to $5,000) to install a sump pump and French drain with weeping tile disconnect; 50% of the cost (up to $675) for a backwater valve on your sanitary sewer line; 50% (up to $2,000) for sewer lateral lining or repairs; and 100% (up to $500) for disconnecting downspouts from the sewer. Who’s eligible: Owners of single-family homes or duplexes in Halton (Oakville, Burlington, Milton, Halton Hills). Requirements: Sump pump installation and weeping tile disconnection must be done by a contractor from Halton’s approved list. You’ll need to get any required plumbing permits and inspections. How to apply: Submit the application form and proof of payment to Halton Region after the work. (It’s recommended to get pre-approval for the sump pump portion.) There’s no firm deadline, but funding is first-come, and Halton notes the program could end or change as budget allows – so it’s wise to take advantage sooner rather than later if your home is at risk of basement flooding.

• Oakville Heritage Home Grant: If your home is a designated heritage property in Oakville, you can apply for the town’s Heritage Grant Program. This provides a 50% matching grant up to $15,000 for approved conservation work on heritage features. In other words, if you spend $30,000 restoring original windows, masonry, or other character-defining elements, the town could reimburse $15k. Who’s eligible: Owners of properties designated under the Ontario Heritage Act (Part IV or V) in Oakville. The property must not have any tax arrears or by-law violations (Heritage Grant Program Procedure). How to apply: Applications are typically accepted annually and reviewed by the heritage committee. Ensure the work qualifies (e.g. repairing historic woodwork, not general remodeling). This is a great way to offset the often higher cost of specialized restoration and helps maintain Oakville’s historical homes. (Toronto has a similar Heritage Grant Program offering up to $10,000 for residential heritage properties (Grants | The National Trust for Canada).)

• Halton Water-Efficient Toilet Rebate: Halton Region encourages water conservation by offering a $75 rebate when you replace an old toilet with a new WaterSense-certified high-efficiency model (Halton Region's Water-Efficient Toilet Rebate Program). Details: One-time rebate per address. The new toilet must be 4.8L flush or better and purchased after Jan 1, 2007 (virtually any current low-flow model qualifies). Who’s eligible: Halton residents (homeowners) who have not previously received this rebate at that address. How to get it: Submit the application with proof of purchase to Halton’s Toilet Rebate Program. While $75 may seem modest, every bit helps – and efficient fixtures will reduce your water bill ongoing.

(Oakville homeowners can also take advantage of Ontario-wide programs like the Home Renovation Savings energy rebates and federal grants discussed above. In addition, utilities serving Oakville – e.g. Enbridge Gas and Oakville Hydro – participate in the programs below.)

Toronto City Programs and Rebates

If you own a home in Toronto, you have access to additional city-run programs in 2025 that can defray renovation costs or encourage upgrades:

• Basement Flooding Protection Subsidy (Toronto): Much like Halton’s program, the City of Toronto offers up to $3,400 per property for installing flood protection devices (Basement Flooding Protection Subsidy Program – City of Toronto). This includes 80% of the cost of a backwater valve (up to $1,250) and 80% of the cost of a sump pump system (up to $1,750), as well as a subsidy for severing and capping old sewer connections (up to $400). Eligibility: Owners of single-family, duplex, and triplex homes in Toronto. Requirements: Work must be done by a licensed plumber (with permits and city inspection for the backwater valve). You apply to the city with invoices and inspection proof to get reimbursed. There’s no income requirement – this is open to all homeowners because reducing basement flooding helps the whole infrastructure. If your home is prone to sewer backups or you’re finishing a basement, this is a valuable program to utilize.

• Home Energy Loan Program (HELP – Toronto): This program provides low-interest loans up to $125,000 to Toronto homeowners for energy-efficient renovations (Home Energy Loan Program - City of Toronto). It’s not a grant, but it can finance upgrades with no money down, and the interest rate is fixed as low as ~3.4% (for 20-year term on certain upgrades). What it covers: things like high-efficiency furnaces, air-source and geothermal heat pumps, insulation, windows, solar panels, etc. Key info: The loan is attached to your property tax bill (as a local improvement charge). You repay it over 10–20 years via property taxes, and if you sell the house, the loan can be transferred to the new owner (so you’re not stuck paying for improvements for a home you no longer own). Eligibility: Toronto homeowners (must not have heavy tax arrears). Bonus: From mid-2022 through January 2025, participants in HELP could also apply for a small additional rebate incentive from the city (HELP Incentives Terms & Conditions - City of Toronto) (this was a limited-time offer to encourage sign-ups). Even without that, the advantage is being able to stack this with other rebates – for example, you could take a HELP loan to cover a $30,000 solar panel installation, then get $5,000 back from the Ontario rebate, and pay off the rest gradually while saving on energy bills (Your Guide to the Toronto Home Energy Loan Program | Clera Windows + Doors).

• Eco-Roof Incentive Program (Green Roofs/Cool Roofs): The City of Toronto will subsidize the installation of green roofs and reflective cool roofs on homes. Green roof grant: $100 per square metre of green roof installed (vegetation cover) (Toronto Eco-Roof Incentive Program). Cool roof grant: $5 per square metre for installing a high-performance white membrane (or $2/m² for a reflective coating on an existing roof) (Toronto Eco-Roof Incentive Program). For an average detached house roof (~100m²), a brand new cool roof could net $500, and a green roof up to $10,000 (though residential green roofs are less common apart from modern flat-roof homes). Who’s eligible: Any existing building in Toronto (including single homes) that isn’t already required by the Green Roof bylaw. Must apply before starting work and get approval. Why consider it: A green roof can improve insulation and stormwater management, and a reflective roof membrane prolongs roof life and reduces AC costs. These incentives help offset the premium cost of these eco-friendly options.

• Affordable Housing / Secondary Suite Programs: Toronto has offered programs like the Laneway Suites Initiative, which provided forgivable loans up to $50,000 for building a laneway house if the unit is rented at affordable rates for 10 years (Government Rebates & Credits | Pacd Homes). As of 2025, the Laneway Suites pilot funding has been fully allocated, but the city is exploring extensions and similar support for garden suites. If you plan to add a secondary unit in Toronto, keep an eye on City housing programs – new grants or loans could become available again to encourage creating rental units. (Also note the development charge exemption for secondary units applies in Toronto as well, per provincial law.)

• Other City Rebates: Toronto no longer offers general home renovation grants, but some niche programs exist. For example, lead water pipe replacement – the City will cover 100% of the cost to replace the city-owned side of a lead water service pipe, and they coordinate replacing the homeowner’s side at the same time (the homeowner pays their portion, but there’s an interest-free City loan option for it). Also, toilet replacement rebates were discontinued in Toronto, but free water efficiency kits and low-flow showerheads are often available through Toronto Water or Enbridge’s programs. Always check your city’s environment and water webpages for any limited-time rebates (e.g. past years saw rain barrel discounts and tree planting subsidies).

Utility Company Programs (Energy and Gas Utilities)

Hydro utilities and gas companies in Ontario also run conservation programs that can save you money or even provide free upgrades:

• Energy Affordability Program (IESO Save On Energy): This program provides free energy-saving upgrades to income-eligible households (Ontario’s New and Expanded Energy Efficiency Programs | GovtMonitor). It’s essentially a direct install program – depending on your needs, you could get new LED lighting, a high-efficiency refrigerator or window AC, insulation and weather-stripping, a smart power bar, low-flow showerheads, and even a new cold-climate heat pump in some cases. Who qualifies: Lower-income households (the threshold varies by household size – for example, around $32,000 annual income for one person or $60,000 for a four-person household). How to apply: Through SaveOnEnergy.ca’s Energy Affordability Program page. An authorized energy auditor will assess your home and determine which free upgrades you can get. Key info: This program merged previously separate low-income programs from gas and electric utilities. Now it’s one application – if you qualify, you get electricity-saving devices and also free gas-saving measures through Enbridge’s Home Winterproofing Program (Home Winterproofing Program (HWP) | Ontario - Enbridge Gas). That can include attic/basement insulation and draft proofing at no cost. It’s a fantastic resource to improve your home’s comfort and efficiency if your budget is limited.

• Peak Perks (Thermostat Program): Ontario’s Peak Perks program rewards you for helping reduce grid strain on hot summer days. If you have a central AC or heat pump with a smart thermostat, you can enroll to allow the utility to make small adjustments on a few high-demand afternoons. Participants get $75 for signing up and $20 each subsequent year they remain in the program (Ontario’s New and Expanded Energy Efficiency Programs | GovtMonitor). The adjustments are minor (cycling your air conditioner compressor on and off) and you likely won’t notice a big difference in comfort. Who’s eligible: Most Ontario electricity utility customers (Toronto Hydro, Hydro One, etc.) with a qualifying smart thermostat connected to central cooling. How to enroll: Via the Save on Energy website or your local hydro company’s program page. This is an easy $75 bonus for something you’re probably fine with anyway – essentially getting paid to help prevent blackouts. (And you can opt out of specific peak events if needed.)

• Enbridge Gas Rebates: In addition to partnering on the provincial Home Renovation Savings Program, Enbridge continues some incentives. For instance, if you are not eligible for the full Home Renovation program (say you only want to do one minor upgrade), Enbridge’s website lists smaller rebates like $75 for a smart thermostat (this overlaps with HRS), and they occasionally have promotions for furnace upgrades or thermostat deals. Always check Enbridge Gas’s rebates page. Also, if you’re an Enbridge customer with low income, the Home Winterproofing Program (part of EAP, as noted) will give you free insulation and air sealing – which can easily value in the thousands of dollars – saving you money upfront and on bills.

• Hydro One/My Hydro Utility Rebates: While the era of massive home retrofit rebates by electric utilities has passed (now replaced by the provincial program), some specific offers pop up. For example, certain local utilities offer coupons for LED bulbs or discounts on smart thermostats (especially around spring/fall retailer events). Hydro One had a fridge/freezer pickup program which has since ended, but keep an eye out for any new Save on Energy initiatives. Also, all utilities are mandated to help spread the word on the main programs like Peak Perks and the Home Renovation Savings Program, so their customer communications can point you to the available savings.

In short, combining programs is the smartest way to save big. You could, for example: use the Home Renovation Savings rebates to get a heat pump and new windows (and get thousands back), stack that with federal tax credits (claim the heat pump under the Greener Homes Grant if it returns, or at least write off any medical-related accessibility renos under the tax credit), finance the remainder with Toronto’s HELP loan (if in Toronto), and lower your ongoing bills through the efficiency gained (plus maybe a free smart thermostat from your utility). Stacking these opportunities can significantly reduce the net cost of a major renovation.

Budgeting and Renovation Tips to Save Money

Financial assistance programs are great, but how you plan and execute a renovation can also make or break your budget. Here are some actionable tips for saving money during your remodel or custom build:

• Plan Thoroughly and Stick to a Budget: Surprises during construction often lead to extra costs. Before any work begins, develop a realistic budget that includes a 10–15% contingency for the unexpected. Communicate this budget clearly to your contractor. A well-defined scope can prevent costly changes. For example, decide on all materials and finishes in advance to avoid last-minute upgrades. At Imperio Construction, we always stress the importance of having a clear plan and open communication about the budget, which helps keep the project “financially manageable”. In short, scope creep = budget creep, so nail down the plan early.

• Prioritize High-ROI Improvements: If funds are limited, focus on renovations that add the most value or utility. Kitchen and bathroom remodels tend to provide the best return on investment for resale, and they greatly improve daily life. Also prioritize critical repairs (fix that leaky roof or old wiring before splurging on cosmetic items). Upgrades that improve energy efficiency (insulation, efficient HVAC, windows) might not be glamorous, but they save you money on bills every month and often come with the rebates we discussed. One of our top tips is: handle essential structural and efficiency upgrades first, and consider luxury aesthetic add-ons later.

• Leverage “Value Engineering”: Work with your designer or contractor to choose more cost-effective materials and methods that still achieve your goals. This might mean using pre-fabricated components (e.g. premade cabinetry instead of custom, stock-sized windows instead of custom sizes), or opting for quality look-alike materials (for instance, a high-end vinyl plank floor instead of hardwood in the basement – it can save money and is more water-resistant). An experienced contractor can suggest alternatives to get a similar aesthetic or function at lower cost. Always ask, “Is there a cheaper way to do this that I’m not considering?” Often there is.

• Get Multiple Quotes & Choose the Right Contractor: Don’t automatically go with the first quote or the lowest quote – solicit at least 2–3 quotes for your project. This gives you a sense of a fair price and also lets you judge the contractors. A good contractor should be communicative and willing to discuss cost-saving options. Check references and reviews to ensure they have a track record of staying on budget. The right contractor is a partner in saving money: they will help anticipate potential issues (avoiding surprise costs) and will keep you informed. Hiring the cheapest, inexperienced contractor can backfire if shoddy work leads to re-doing things. Invest in a reputable, honest contractor who is mindful of your budget – it will save money in the long run by preventing costly mistakes.

• Time Your Project Wisely: Renovation contractors have busy seasons (usually spring and summer) and slower periods in winter. If you can schedule non-urgent renovations for the off-season (late fall or winter), you might score a better deal. Contractors may offer more competitive pricing or have more availability in winter when demand is down. Also, permit approvals might be quicker in the slower season. However, consider the nature of your project – exterior work like roofing or painting might need warmer weather, but indoor projects are fair game year-round. Discuss timing with your contractor; being flexible could save you money or get the job done faster.

• Avoid Overspending on “Invisible” Upgrades (Unless Incentivized): This is a nuanced tip – things like behind-the-walls insulation or HVAC upgrades are crucial, but they can be pricey and don’t show off like a new countertop would. Here’s the balance: take advantage of incentives to reduce the cost of these important invisible upgrades (so you reap energy savings long-term without bearing the full cost). For instance, if you need to upgrade insulation or an old furnace, do it when rebates are available so you’re not paying 100% out-of-pocket. Don’t cut corners on critical infrastructure (those will bite you later), but do capitalize on programs to subsidize them. On the flip side, for purely aesthetic choices (premium fixtures, exotic materials), be mindful of your budget – spending $10k extra on something that won’t increase home value or functionality is where you should trim if needed.

• Focus on Quality Over Quantity: It might sound counter-intuitive to spend more on quality, but it can save money over the life of your home. Using cheap materials or hiring an unqualified tradesperson can lead to frequent repairs or a premature need to replace things. For high-use components like windows, roofing, flooring, and cabinetry, invest in the best quality you can afford. They will last longer and save you from having to redo the work. For example, a well-built roof might last 25 years vs. 15 years for a cheaper one – that’s a decade before you’d even think of spending on it again. As one expert noted, choosing durable options will “reduce the likelihood of needing replacements in the near future,” ultimately saving money and adding long-term value.

Finally, always keep the big picture in mind – the goal is to achieve a safe, comfortable, and enjoyable home without financial strain. By tapping into grants and rebates, you can easily save tens of thousands on a major renovation or custom build. Combine that with smart renovation practices (planning, choosing the right team, DIY where sensible, and utilizing cost-saving resources), and you’ll stretch your budget further than you thought possible.

The bottom line: Even in a challenging economy, Canadian homeowners have more support than ever to renovate affordably – from government funds that pay you to go green or accessible, to contractors who can guide you to cost-efficient choices. With the information above, you’re well-equipped to make your 2025 home renovation a reality at a fraction of the usual cost. Now it’s time to put those plans into action and build your dream space without breaking the bank. Here at Imperio Construction, we’re ready to help GTA homeowners navigate these programs and deliver quality, value-engineered renovations that maximize every dollar.

With planning, research, and the right partners, you can achieve your dream renovation – and keep more money in your pocket.

Frequently Asked Questions

Can I apply for more than one grant or rebate at the same time?

Yes! In many cases, grants and rebates can be stacked. For example, you might get an Ontario Home Renovation Savings rebate for insulation and still qualify for the federal Home Accessibility Tax Credit or a local municipal flood prevention rebate. Just make sure to read the terms for each program to avoid duplication on the same expense.

How do I know if I'm eligible for a rebate or grant?

Is there a deadline to apply for these programs?

Do I need to hire a licensed contractor to qualify for rebates?

How long does it take to receive rebate money?

Can I still get a grant if my home is worth more than average?Can I still get a grant if my home is worth more than average?

What’s considered a “substantial renovation” for the HST rebate?

Who can I contact if I need help applying?

Sources:

• Natural Resources Canada – Canada Greener Homes Grant updates (Is Canada's Greener Homes Grant Program Ending in 2024? - Ecohome); Oil to Heat Pump Affordability Program backgrounder (The Oil to Heat Pump Affordability Program  - Canada.ca) (The Oil to Heat Pump Affordability Program  - Canada.ca)

• Government of Canada – Multigenerational Home Renovation Credit info (Government Rebates & Credits | Pacd Homes); Home Accessibility Tax Credit (Government Rebates & Credits | Pacd Homes); GST/HST New Housing Rebate (Ontario) (HST Housing Rebate Ontario, Canada | GST New Housing Rebate Ontario) (HST Housing Rebate Ontario, Canada | GST New Housing Rebate Ontario)

• HRAI & Ontario News – Ontario Home Renovation Savings Program details ( In the Air - HRAI Industry News ) (Ontario’s New and Expanded Energy Efficiency Programs | GovtMonitor)

• Halton Region – Basement Flooding Subsidy Program (Halton Region - Basement Flooding Prevention Program - Backwater Valve - Sump Pump); Toilet Rebate Program ( Halton - Halton Region's Water-Efficient Toilet Rebate Program )

• City of Toronto – Basement Flooding Protection Subsidy (Basement Flooding Protection Subsidy Program – City of Toronto) (Basement Flooding Protection Subsidy Program – City of Toronto); Heritage Grant Program (Grants | The National Trust for Canada); Home Energy Loan Program (Your Guide to the Toronto Home Energy Loan Program | Clera Windows + Doors)

• Better Homes Ontario – Toronto Eco-Roof Incentive amounts (Toronto Eco-Roof Incentive Program)

• PACD Homes – Ontario Renovates program info (Government Rebates & Credits | Pacd Homes)

• MoneySense – Tips to save on renovations (contractor advice) (How to save money on home renovations (even if you’re not handy) - MoneySense) (How to save money on home renovations (even if you’re not handy) - MoneySense)