Home Rebates

Rebates & incentives

The Ontario, Toronto and federal programs that help pay for insulation right now, for homeowners upgrading a house and for builders putting up new ones. Reviewed against the program websites in September 2026. Programs change; the linked page is always the final word.

Existing homes

For homeowners

Insulation is one of the best-funded upgrades in every current program, because it is where the energy savings are. The Ontario program below pays for attic, wall, basement and floor insulation directly, and the Toronto loan finances whatever the rebate does not cover.

Homeowners · Ontario

Home Renovation Savings Program

Enbridge Gas and Save on Energy (IESO), backed by the Province of Ontario

Up to $7,700for insulation through the bundle path, plus $600 for the home energy assessment and a $500 bonus for three or more upgrades

Insulation: Attic, exterior wall, basement and exposed-floor insulation to the program R-value targets; air sealing up to $250; $100 per window or door opening
Attic only: $800 to $1,250 for attic insulation on its own to R-50, depending on what is there now, with no energy assessment. Must be installed by a contractor on the program’s participating list
Who: Ontario homeowners with any heating fuel: gas, electric, oil, propane or wood. The bundle path needs a pre- and post-retrofit assessment by a registered energy advisor and at least two upgrades
Dates: Funded through 2026. Enbridge has pointed to November 30, 2026 for the current phase; confirm before you book
Status: Open

Program details ↗

Homeowners · Toronto

Home Energy Loan Program (HELP)

City of Toronto

Up to $125,000in fixed-rate financing, capped at 10% of the property’s assessed value, repaid through the property tax bill over 5 to 20 years

Insulation: Attic, basement and exterior wall insulation, air sealing, windows and doors, heat pumps, solar and more
Terms: Fixed rates of 3.34% to 4.75% depending on term, posted to September 30, 2026, plus a 2% administration charge. The loan stays with the property if it sells
Who: Owners of detached, semi, row, duplex, triplex and small low-rise homes in Toronto. Insulation projects need an EnerGuide assessment before and after
Stacking: Combines with Home Renovation Savings rebates, so the rebate lowers what you borrow
Status: Open

Program details ↗

Homeowners · Canada

Federal Greener Homes programs

Natural Resources Canada

Mostly closedin Ontario for now: the grant ended in 2024, the loan closed to new applicants in October 2025, and the new affordability program has not yet launched here

Grant: Canada Greener Homes Grant closed to new applicants in February 2024
Loan: Canada Greener Homes Loan closed to new applications on October 2, 2025. Homeowners already approved can still complete their retrofits and draw funds
Next: Canada Greener Homes Affordability Program: $800 million for no-cost retrofits, including insulation, for low-to-median-income households, delivered through the provinces. Running in BC, Manitoba, Quebec, Nova Scotia and PEI; Ontario has not signed on as of September 2026
Status: Watch

Program details ↗

New construction

For builders and developers

Homeowner rebates do not apply to a new build, but three programs reward the envelope performance our scope delivers: modelled and certified homes, higher Toronto Green Standard tiers, and rental buildings that score on energy efficiency.

Builders · Ontario

Savings by Design

Enbridge Gas

Free modellingand a design workshop with energy experts, plus per-home incentives for building to ENERGY STAR for New Homes v17

Incentive: Per-home incentives for builds certified to ENERGY STAR for New Homes, arranged through your Enbridge regional representative
Who: Ontario builders licensed by the Home Construction Regulatory Authority, in eligible municipalities. Owner-builders are excluded
Streams: Residential, plus separate commercial and multi-residential and affordable-housing streams. The Net Zero Energy Ready stream is not taking new enrolments
Insulation: The envelope is where most of the modelled savings come from: continuous exterior insulation, attic R-values and air sealing are what the workshop tunes
Status: Open

Program details ↗

Builders · Toronto

Toronto Green Standard DC Refund

City of Toronto

Partial DC refundon development charges for projects verified at Tier 2, 3 or 4 of the Toronto Green Standard

Refund: Refund rates were raised in 2022: 25% higher for Tier 2 and 50% higher for Tier 3 and 4 near-zero-emissions projects. Dollar amounts follow the DC bylaw rates in effect when processed
Who: Low-rise and mid-to-high-rise residential and non-residential projects. A registered evaluator must be retained by the 50% construction-documents stage, with verification at occupancy
2026: Bill 98 received Royal Assent on June 2, 2026; applications after that date follow the Interim Version 4 checklists
Insulation: Tier 2 and up are performance tiers: envelope thermal performance and airtightness are the levers, which is our scope
Status: Open

Program details ↗

Developers · Canada

CMHC MLI Select

Canada Mortgage and Housing Corporation

Up to 30% offmortgage insurance premiums and amortization up to 50 years for rental buildings that score on energy efficiency, affordability and accessibility

Points: 50 points earns a 10% premium discount, 70 a 20% discount with 45-year amortization, 100 a 30% discount with 50-year amortization
Energy: Up to 50 points from energy performance above the National Energy Code. Enhanced insulation, airtightness and better windows are how the envelope earns its share
Who: Purpose-built rental of five or more units, new construction or existing
2026: From September 30, 2026 new-construction files are scored against the 2020 National Building Code and 2020 NECB
Status: Open

Program details ↗

Programs and figures reviewed in September 2026 against the pages linked on each card. Eligibility, amounts and dates are set by the program administrators and change without notice; the linked page is the final word, and we are not the administrator of any of them.

How we help

What CNG does on a rebate job

Scope to the target

We quote the insulation to the R-values the program pays for, R-60 in the attic for example. CNG is not on the attic-only participating list, so our rebate jobs go through the assessment path, where the energy advisor verifies the work.

Work with the advisor

On the bundle path a registered energy advisor assesses the house before and after. We schedule around those visits and leave the work visible for the follow-up.

Paperwork that passes

Itemized invoices with product, R-value and area, the manufacturer’s installation card at the attic hatch, and photos if the program wants them.

You submit, we back it up

The homeowner or builder applies; the programs do not let contractors apply for you. If the administrator has a question about the install, they can call us.

Get a quote

Common questions

Rebates FAQ

Which program should I start with?

For most Ontario homeowners, the Home Renovation Savings Program. If the attic is the only job, the attic-only path pays $800 to $1,250 with no assessment, but only through the program’s participating contractors, and CNG is not one of them. If you are doing walls, the basement or another upgrade as well, the bundle path pays up to $7,700 for insulation plus $600 for the assessment, and that is the path we install on. Toronto homeowners can finance the balance through HELP.

Do I need an energy assessment?

Not for the attic-only rebate. For the bundle path, yes: a registered energy advisor assesses the home before the work and again after, and the $600 assessment rebate is paid once at least two upgrades are done. HELP also requires an EnerGuide assessment for insulation projects.

Can I combine programs?

Yes. The City of Toronto says HELP can be combined with provincial, federal and utility rebates, so the Home Renovation Savings rebate reduces what you borrow.

Does CNG apply for the rebate?

No program lets the contractor apply on your behalf. You apply; we make it easy by quoting to the program R-values, scheduling around the advisor and giving you itemized invoices and the installation documentation the application asks for.

What about a new build?

The homeowner rebates are for existing homes. On new construction the incentives go to the builder or developer: Enbridge Savings by Design, the Toronto Green Standard development charge refund and CMHC MLI Select for rental buildings. All three reward envelope performance, which is what we install.

Are these figures current?

They were checked against each program’s own website in September 2026. Programs change their amounts, dates and rules without much notice, so treat this page as a map and the linked program page as the source.

Planning an upgrade?

Send us the details

Email your drawings to info@cnginsulation.com or fill in the form and we will call you. Most quotes come back within two business days.

Tell us about the project