Canada Greener Homes Loan Ends October 1, 2025
What this means for HVAC upgrades. Why this matters for homeowners.
The federal Canada Greener Homes Loan has helped thousands of Canadians afford energy-efficient upgrades, including ductless and central heat pumps. But the program will stop accepting new applications on October 1, 2025.
For anyone considering upgrading their HVAC system with Gandy Installations, this is the final opportunity to access up to $40,000 in interest-free financing repayable over 10 years.
HVAC upgrades covered by the program
The Greener Homes Loan has supported key home comfort improvements such as:
- Air source heat pumps (ducted and ductless mini-splits)
- Cold climate heat pumps suitable for Canadian winters
- Smart thermostats when bundled with larger retrofits
These upgrades not only lower energy bills but also reduce reliance on fossil fuels, helping Canadian households cut their carbon footprint.
Why act now
- You must complete an EnerGuide home evaluation completed by an authorized Energy Auditor before applying, and your HVAC upgrade must be recommended in the evaluation report.
- Applications close October 1, 2025 — and submitting an application does not guarantee funding.
- If you wait too long, you may not get your evaluation or paperwork done in time.
How Gandy Installations can help
At Gandy Installations, we specialize in heat pump installations that qualify under the Greener Homes Loan. Our team can:
- Guide you through the process: We’ll connect you with an authorized energy advisor for your evaluation.
- Recommend the right HVAC system: From ductless mini-splits to whole-home heat pumps, we ensure your upgrade meets program requirements.
- Provide fast, professional installation so you can submit your documents on time.
- Advise on additional rebates: We’ll help you stack provincial (ESP rebate up to $16,000 plus up to $5,000 for electrical updates as needed) or utility rebates ($5,000 from FortisBC) with the federal loan where possible.
Next steps
- Book your EnerGuide evaluation immediately to secure a spot before the October 1 deadline.
- Contact Gandy Installations to discuss which HVAC system best fits your home and qualifies for the program.
- Apply for the Greener Homes Loan as soon as your evaluation results are in.
The Greener Homes Loan deadline is October 1, 2025. If you’ve been thinking about a new high-efficiency heating and cooling system, now is the time to act.
Gandy Installations can help you take advantage of the last chance for this federal interest-free financing before it’s gone.
For full details and the official application process, visit the Canada Greener Homes Loan page on the Government of Canada’s website.
