Home renovations are a significant investment—but if you live in the Niagara region, there are several government-backed programs, rebates, and tax credits that can help reduce your costs. These programs encourage energy efficiency, accessibility, and multigenerational living.
Here’s a breakdown of the top rebate and incentive programs available as of 2025:
Home Renovation Savings Program
Offered by Save on Energy and Enbridge Gas, the Home Renovation Savings Program provides rebates for energy-efficient upgrades. You can receive:
- Up to $7,700 for insulation
- $100 per rough opening for new windows or doors
- Up to $250 for air sealing
- $500 for a heat pump water heater
- Up to $7,500 for cold climate air source heat pumps
- Up to $12,000 for ground source heat pumps
- $75 for a smart thermostat
- Up to $10,000 for solar panels and battery storage
You can bundle upgrades or apply for individual rebates without a home energy assessment. This is one of the most accessible and generous energy rebate programs in the province.
LINK: Home Renovation Savings
Niagara Renovates Program
This locally administered program helps low- to modest-income homeowners with essential repairs and accessibility renovations. Eligible improvements include:
- Major structural repairs (roofing, plumbing, electrical)
- Accessibility modifications (ramps, grab bars, walk-in tubs)
Funding is typically provided as a forgivable loan, and the amount may vary depending on the need and budget. This is a fantastic option for seniors, persons with disabilities, or families with limited income in the Niagara area.
LINK: Niagara Renovates Program for Homeowners – Niagara Region, Ontario
Multigenerational Home Renovation Tax Credit (MHRTC)
If you’re building a self-contained secondary suite for a senior or a person with a disability, you can claim 15% of renovation costs, up to a maximum of $7,500.
This tax credit is especially useful if you’re creating space for a parent or adult child to live independently within your home.
LINK: Multigenerational home renovation tax credit (MHRTC) – Canada.ca
Home Accessibility Tax Credit (HATC)
The HATC is a federal tax credit that lets seniors and individuals with disabilities claim up to $20,000 in renovation expenses, resulting in a maximum credit of $3,000. Eligible renovations include:
- Widening doorways
- Installing walk-in tubs or roll-in showers
- Building ramps and stair lifts
Canada Greener Homes Grant
Although it’s winding down, the Canada Greener Homes Grant still offers up to $5,000 for eligible retrofits, like:
- High-performance insulation
- ENERGY STAR-certified windows
- Heat pumps and solar panels
An additional $600 is available for pre- and post-renovation EnerGuide evaluations.
HST New Housing Rebate
If your home renovation is substantial—essentially rebuilding 90% or more of the original structure—you may be eligible for a partial rebate on the HST you paid. This applies to owner-occupied homes and can save you thousands in taxes.
CMHC Green Home Refund
If you have a CMHC-insured mortgage and complete energy-efficient renovations, you can get a partial refund (up to 25%) on your mortgage insurance premiums. This refund incentivizes long-term energy savings and lower carbon footprints.
Tips Before You Renovate
- Check Eligibility: Every program has specific income, property type, or location requirements.
- Apply Early: Some rebates require pre-approval or a home energy audit before you begin work.
- Keep Records: Save all receipts, invoices, and assessments—you’ll need them when applying.
Final Thoughts
If you’re planning a renovation in Niagara, it pays to do your research. With the right mix of rebates and tax credits, you can dramatically reduce your costs while making your home more comfortable, efficient, and future-proof.
Want help navigating these programs or planning a qualifying renovation? Get in touch—we’d be happy to guide you through it.
