Can you combine the federal Greener Homes Loan with provincial rebates?

Yes. The federal Loan stacks with every provincial heat pump program currently active in Canada. The Loan covers the install cost interest-free; the provincial rebate reduces what you have to pay back. Some programs also stack with utility rebates (BC Hydro, Enbridge HER, FortisBC, etc.) for additional savings. The order of application matters in some provinces — your installer handles the sequencing.

Which province has the largest heat pump rebate?

Prince Edward Island has the largest combined stack: up to $17,000 from federal OHPAP ($10,000) + provincial top-up ($5,000) + utility ($2,000) for oil-to-heat-pump conversions in income-qualified households. Nova Scotia is close behind at $15,000 combined. New Brunswick and Newfoundland & Labrador both stack to $14,000-$16,000. Ontario, BC, and Quebec offer $10,000-$12,000 combined stacks but cover gas conversions in addition to oil.

Are there income limits on provincial heat pump rebates?

Some programs are income-tested, others are universal. Income-tested: federal OHPAP, Nova Scotia HomeWarming, Ontario Home Energy Loan Program. Universal (no income test): federal Greener Homes Loan, Ontario Home Renovation Savings, Quebec Rénoclimat, BC CleanBC Better Homes (with higher rebate tiers for low-income households). Most income thresholds run at 80-120% of provincial median household income.

How do utility-company rebates fit in?

Utility rebates are paid by the electricity or gas distribution company (BC Hydro, Enbridge Gas, FortisBC, Nova Scotia Power, etc.) and typically stack with both federal and provincial government programs. They often range from $500 to $2,500 per heat pump install. Some require pre-approval before installation; others are application-after-install. Your installer should know the active utility programs in your service area and handle the paperwork.

When do these rebate programs end?

Federal programs: Greener Homes Loan currently approved through 2027 with expected renewal; Oil-to-Heat-Pump Affordability Program approved through 2025 in most provinces with extensions expected. Provincial programs typically run on annual funding cycles and most reauthorize each spring budget. The risk is not that programs disappear but that funding pools deplete mid-year — Ontario Home Renovation Savings ran out of funding in mid-2024 before being topped up, and similar pauses have happened in Nova Scotia. Apply early in each program year.

Heat pump rebates · Canada

Provincial heat pump rebate stacking in Canada: 2026 guide

By Aroon Maharaj · Published 2026-05-20 · Updated 2026-05-20 · ~12 min read

Heat pump rebates in Canada stack. Federal grants stack with provincial grants stack with utility grants stack with the interest-free federal Loan. Used well, a typical Maritime household replacing an oil furnace can reduce a $20,000 install to $3,000-$5,000 out of pocket, financed interest-free over a decade. This guide goes province by province: what's active in 2026, what's been retired, how the programs stack, and the order of application that minimizes paperwork friction.

The federal foundation (every province)

Three federal programs underlie every provincial stack. Get these right first, then add the provincial layer on top.

Canada Greener Homes Loan (active)

Up to $40,000 interest-free over 10 years, repayable in monthly installments. Available to any Canadian homeowner doing eligible energy-efficiency retrofits, including heat pump installation. No income test. Pre-retrofit EnerGuide audit required. Stacks with every other program. Most heat pump installs cost less than $40,000, so the Loan effectively covers the full install cost interest-free.

Full eligibility and application process: Greener Homes Loan complete guide.

Oil-to-Heat-Pump Affordability Program (OHPAP, active)

Up to $10,000 grant (not a loan — direct payment to your installer at install) for households currently heating with oil. Income-tested: typically eligible at or below 80-120% of provincial median household income depending on family size. Stacks with the Loan and with provincial programs. Available in NS, NB, PE, NL, QC, and ON (PEI and NL have additional provincial top-ups on top of the federal OHPAP).

Canada Greener Homes Grant (CLOSED)

The original $5,000 grant closed to new applications on January 20, 2026. Homeowners who pre-registered before that date may still receive payment for completed retrofits. Many older online guides still list this as active — they're outdated. Use the Loan instead.

Ontario — up to $12,000 combined

Active programs

Ontario Home Renovation Savings (replaced Save on Energy heat pump rebate in 2025). Up to $7,500 depending on heat pump category. Universal, no income test. Application post-install.
Enbridge Home Efficiency Rebate (HER) for gas-customer-converting households. Up to $5,000 if you're an Enbridge gas customer doing whole-home efficiency upgrades including heat pump.
Federal Greener Homes Loan stacks with both.
OHPAP if currently heating with oil (less common in Ontario but still present in rural/exurban areas).

Worked example

Toronto home, gas conversion to dual-fuel CCHP, $16,000 install: Federal Loan covers $16,000 over 10 years interest-free ($133/month). Ontario Home Renovation Savings rebate: $5,000. Enbridge HER: $3,000 (assuming Enbridge customer doing combined air-sealing + heat pump). Net cost: $16,000 financed interest-free, minus $8,000 in rebates = $8,000 effective out of pocket, repaid over 10 years at $67/month.

British Columbia — up to $11,000 combined

Active programs

CleanBC Better Homes rebate. Up to $3,000 standard tier, up to $6,000 income-qualified tier (households below 80% of BC median income). Application pre-approved before install in some categories.
BC Hydro heat pump rebate. Up to $2,000 for ENERGY STAR-certified models. Stacks with CleanBC.
FortisBC rebate (for FortisBC electric customers, primarily southern interior BC). Up to $2,000.
Federal Greener Homes Loan.

Worked example

Vancouver home, electric baseboard conversion to ductless multi-zone CCHP, $13,000 install: Federal Loan covers $13,000. CleanBC Better Homes: $3,000. BC Hydro rebate: $2,000. Total rebates: $5,000. Net financed: $8,000 over 10 years interest-free at $67/month.

Alberta — up to $1,500 combined

Alberta has the smallest provincial rebate stack of any Canadian province. Provincial heat pump rebate programs were paused in 2023 and have not been reinstated as of 2026. Some municipal programs offer small rebates ($500-$1,500 in Calgary, Edmonton, Banff, Canmore) but coverage is patchy.

Active programs

Federal Greener Homes Loan.
Municipal programs if your city has one (check directly with your municipality — these change frequently).

Worked example

Calgary home, gas furnace conversion to dual-fuel CCHP, $18,000 install: Federal Loan covers $18,000 over 10 years interest-free ($150/month). Municipal Calgary rebate: ~$1,500. Net financed: $16,500 at $138/month.

Saskatchewan — up to $1,500 combined

Similar to Alberta, Saskatchewan has limited provincial-level heat pump rebates. SaskEnergy and SaskPower do not currently offer dedicated heat pump rebates as of mid-2026, though the SaskPower Power Smart program occasionally offers small rebates for cold-climate heat pumps.

Manitoba — up to $2,500 combined

Active programs

Efficiency Manitoba heat pump rebate. $250 to $2,000 depending on heat pump category, with income-qualified tiers adding up to $500.
Federal Greener Homes Loan.

Nova Scotia — up to $15,000 combined

Nova Scotia has the strongest provincial heat pump stack in Atlantic Canada, particularly for oil-to-heat-pump conversions which represent the bulk of installs given the province's reliance on oil heating.

Active programs

HomeWarming (income-qualified, up to 80% of NS median income). Up to $7,500 grant covering installation plus oil tank decommissioning.
Efficiency Nova Scotia heat pump rebate (universal). Up to $5,000 depending on heat pump category.
Federal OHPAP if currently heating with oil. Up to $10,000.
Federal Greener Homes Loan. Covers the install balance interest-free.

Worked example

Halifax home, oil-to-heat-pump conversion, $20,000 install, household income $55,000 (qualifies for both HomeWarming and OHPAP): Federal OHPAP grant: $10,000 (paid direct to installer at install). HomeWarming: $5,000 (paid as cheque to homeowner). Efficiency Nova Scotia rebate: not stackable with HomeWarming (mutually exclusive). Federal Greener Homes Loan: covers remaining $5,000 interest-free over 10 years ($42/month). Net effective cost: $5,000 financed over a decade at $42/month — about the same monthly cost as the oil bill the heat pump is replacing.

New Brunswick — up to $16,000 combined

Active programs

Total Home Energy Savings Program (THESP). Up to $4,500 for heat pump installation. Universal (no income test).
Enhanced Energy Savings Program (EESP). Income-qualified, replaces THESP for low-income households. Up to $6,500.
Federal OHPAP. Up to $10,000.
Federal Greener Homes Loan.

Newfoundland & Labrador — up to $14,000 combined

Active programs

takeCHARGE Heat Pump Program. Up to $4,000 rebate, stackable with federal programs.
Provincial Oil-to-Electric Conversion top-up. Adds up to $1,000 to OHPAP for oil-heated households.
Federal OHPAP. Up to $10,000.
Federal Greener Homes Loan.

Prince Edward Island — up to $17,000 combined

PEI has the largest combined stack in Canada thanks to a generous provincial top-up to OHPAP and dedicated heat pump grants from efficiencyPEI. The economics make oil conversions essentially free for income-qualified households.

Active programs

efficiencyPEI Heat Pump Program. Up to $2,000 for standard tier, $5,000 income-qualified.
Provincial OHPAP top-up. Adds up to $5,000 on top of federal OHPAP for oil conversions (most generous in Canada).
Federal OHPAP. Up to $10,000.
Federal Greener Homes Loan.

Worked example

Charlottetown home, oil-to-heat-pump conversion, $19,000 install, income-qualified household: Federal OHPAP: $10,000. Provincial OHPAP top-up: $5,000. efficiencyPEI heat pump grant: $2,000. Total grants: $17,000. Federal Loan covers the remaining $2,000 interest-free. Effective monthly cost: $17/month over 10 years.

Application order — what to file first

Most installers handle the application paperwork on the homeowner's behalf, but knowing the sequence helps you spot when something's missing:

Pre-retrofit EnerGuide audit booked (week 1). Required for the federal Loan and most provincial grants.
Pre-retrofit audit report received (week 2-3).
Federal Greener Homes Loan application submitted (week 3). Approval typically 4-8 weeks.
Federal OHPAP application submitted if applicable (week 3, same time as Loan). Income verification typically 2-3 weeks.
Provincial rebate application submitted (timing varies by province — some pre-install, some post-install).
Utility rebate application submitted (timing varies — some pre-install pre-approval, some post-install).
Installation (typically 8-12 weeks after initial application).
Post-retrofit EnerGuide audit (within 30 days of install).
Final loan disbursement and provincial rebate payouts (typically 4-8 weeks after post-retrofit audit acceptance).

Total elapsed time from initial quote to final rebate payment: 14-22 weeks in most provinces. Installation happens roughly in the middle of that timeline.

Quebec — referenced for completeness

Quebec is intentionally not covered in our service area as of 2026, since the rebate landscape (Rénoclimat, Chauffez Vert wind-down, Hydro-Québec programs) is administered in French and benefits from French-language customer support that we don't yet offer. Quebec residents should reference Rénoclimat and the Transition énergétique Québec portal directly. We expect to launch a Quebec-specific French-language service in 2027.

Get a quote with your full rebate stack pre-calculated

Every installer in our directory pre-calculates the entire applicable rebate stack for your specific home and household, including all program eligibility checks. The quote shows the gross install cost, each rebate or grant applied, and the net financed amount with monthly Loan payment.

Get a free quote within 24 hours

Sources

Natural Resources Canada — Greener Homes Loan and Oil-to-Heat-Pump Affordability Program documentation. Provincial program portals: Ontario Home Renovation Savings, CleanBC Better Homes, Efficiency Manitoba, Efficiency Nova Scotia + HomeWarming, NB Total Home Energy Savings + Enhanced Energy Savings, takeCHARGE NL, efficiencyPEI. Utility rebate program documentation: BC Hydro, FortisBC, Enbridge Home Efficiency Rebate, Nova Scotia Power. Provincial budget documents for 2026 program funding allocations. Last full source check: 2026-05-20.