Canada Greener Homes Loan Ending October 1st

The Canada Greener Homes Loan (also known as Canada Greener Home Loan, Greener Homes Loan, or $40,000 interest-free loan), has been one of the most popular ways Canadians have made the switch to solar. This federal program offers interest-free loans of up to $40,000, repayable over 10 years, making it possible to complete energy-efficient retrofits, like solar installation, without paying the full cost upfront.

But here’s the catch: the program is closing to new applicants on October 1, 2025, at midnight. If you want to take advantage of this $40,000 interest-free loan, you must act quickly.

Canada Greener Homes Loan: How it Works and Who is Eligible

The Canada Greener Homes Loan (CGHL) is one of the most accessible ways to make solar power affordable. Homeowners can apply for up to $40,000 in interest-free financing, repayable over 10 years, to cover the upfront cost of installing a solar PV system.

To qualify for the Canada Greener Homes Loan, you must start with a pre-retrofit EnerGuide evaluation by a registered energy advisor. If solar is recommended in your report, you can move forward with the financing and installation. This step ensures your system is properly sized and eligible under program guidelines.

Deadline Warning: EnergGuide reports can take up to 48 hours to generate. Book your audit as soon as possible to ensure your application is submitted before the October 1^st deadline.

How to Apply for the $40,000 Solar Loan

1. Pre- Construction Energy Audit
   Required before the application can begin. Kuby makes this step quick and easy.
2. Plan Your Solar Installation
   Work with Kuby to design a system that fits your home's specific needs. Tip: Since loan increases aren’t permitted, plan all upgrades upfront.
3. Submit Your Application
   ‍Upload the required documents (e.g. property tax statement, ID, proof of income, and your Kuby quote) via the Greener Homes portal.
4. Complete Installation
   ‍Kuby handles your solar panel setup.
5. Post-Construction Audit ‍
   Verify the work to finalize the loan.
6. Receive Funds
   ‍The loan is disbursed after the audit approval.

Please contact us to help execute your project. Our team will manage the planning, assist you throughout the process, and take care of the paperwork wherever we can.

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Canada Greener Homes Loan Repayment & Upfront Deposits

You’ll receive 15% of your approved loan amount in advance (25% for off-grid or Northwest Territories homes) to help cover initial deposits. The remaining funds arrive within 10 days of post-audit submission.

The loan is interest-free and repaid over 10 years, helping Canadians go solar without the financial strain.

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Canada Greener Homes Loan Eligibility

To qualify for the Canada Greener Homes Loan, you must:

• Be a Canadian homeowner.
• Be a Canadian citizen, permanent resident, or non-permanent resident who is legally authorized to work in Canada.
• Have a good credit history (proof of good credit history may be required in your application).
• Complete a pre-retrofit energy audit before starting work. Ensure the audit is recent.
• Work must be new. If retrofits have already begun, the project will not be eligible for the CGHL.
• Must plan to install solar panels on your primary residence.
• Submit only one loan application per household or property.
• Not be under a consumer proposal, debt repayment program, or bankruptcy proceeding.

Multi-Unit Residential Building (MURB) Loan

Owners of a multi-unit residential building may qualify for a low-interest solar loan, depending on the building size, number of units, and whether the owner lives in the property.

Note: Townhomes, row houses, retirement homes, side-by-side duplexes, and homes with secondary suites are not considered MURBs, but their owners can still apply for the standard $40,000 interest-free loan.

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Indigenous Low-Interest Loan

Indigenous governments, organizations, and groups can register multiple homes under the program, even if the homes aren’t their primary residence, making this an excellent way to support energy efficiency in Indigenous communities.

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Act Now Before It's Gone

The Canada Greener Homes Loan will stop accepting new applicants after October 1, 2025. This is your last chance to access $40,000 in interest free financing to make your home more energy-efficient.

Our team at Kuby can help make this process simple and stress-free! We can:

• Help schedule your pre-retrofit audit right away.
• Ensure your system is sized correctly and fully eligible.
• Guide you through the application process.
• Handle the design, installation, and final paperwork.

Time is limited! Start today to secure your spot before the program closes.

Contact us to learn how you can take advantage of this program while it is still available.

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