If you’re planning to build, renovate, or upgrade your home in Canada, here’s some good news: you don’t have to fund it all on your own.
Whether you’re improving energy efficiency, building from scratch, or making accessibility upgrades, there are several home construction and renovation grants across Canada designed to help you save money while building smart.
Many homeowners aren’t aware of these programs or they assume it’s too complicated to apply. But with the right information, you can take full advantage of government incentives that not only lighten your financial load but also increase your home’s value and livability.
Let’s break down common Canadian home construction and improvement grants, what they offer, and how you can apply.
1. Canada Greener Homes Grant:
This is one of the most popular grants for homeowners, this federal program helps Canadians make their homes more energy-efficient.
Homeowners of primary residences (including detached homes, row houses, some condos and mobile homes) can apply for this grant.
To apply you should:
> Register at Natural Resources Canada’s portal.
> Book an EnerGuide home evaluation.
> Complete recommended upgrades.
> Apply for reimbursement with proof of completed work.
What it covers:
Up to $5,000 in reimbursements for upgrades such as:
> Insulation
> Windows and doors
> Heat pumps
> Renewable energy systems (solar panels)
> Air sealing improvements
> 💡 Bonus: You may also qualify for an interest-free loan of up to $40,000 under the Canada Greener Homes Loan Program.
For more information visit
2. CMHC’s SEED Funding for Affordable Housing
This grant is offered by the Canada Mortgage and Housing Corporation (CMHC), this grant supports new construction projects, especially for affordable housing, rental properties, or sustainable building initiatives.
Developers, municipalities, and even individuals or groups planning to build multi-unit homes or affordable housing can apply for this funding.
What it covers:
> It covers up to $25,000 in grants for pre-construction costs (feasibility studies, environmental reports, architectural plans).
> Up to $350,000 in interest-free loans for eligible development.
How to apply:
> Visit the CMHC SEED portal and submit a proposal outlining your project.
> Include proof of community need, projected cost, and sustainability plans.
For More information visit:
3. Home Accessibility Tax Credit (HATC)
This is a non-refundable tax credit for Canadians who renovate their home to improve accessibility or mobility, often for seniors or people with disabilities.
This grant is for Homeowners or family members supporting someone 65+ or with a disability.
What it covers:
You can claim up to $20,000 in renovation expenses, resulting in a tax credit of up to $3,000.
Eligible upgrades includes:
> Installing grab bars
> Widening doorways
> Building wheelchair ramps
> Adding walk-in bathtubs or stairlifts
How to apply:
> Keep receipts for all eligible renovations.
> Claim the HATC on your annual income tax return using Schedule 12.
For more information visit:
4. GST/HST New Housing Rebate
If you’re building a new home or doing a major renovation, you must be eligible to recover part of the Goods and Services Tax (GST) or Harmonized Sales Tax (HST) you paid when buying or renovating your primary residence, when all of the other conditions are
Homeowners who plan to live in the house as their primary residence, can apply and get some of the money back to fund their projects
What it covers:
> Buying a new or substantially renovated home
> Owner-built homes
> Conversions from non-residential to residential use
How to apply:
Submit Form GST191 with your supporting documents to the CRA within 2 years of the closing date or renovation completion.
5. Local Municipal Grant Programs
Many cities and provinces across Canada offer region-specific grants to encourage smart building, energy efficiency, or heritage home renovations. Examples include:
Toronto’s Home Energy Loan Program (HELP) – provides low-interest loans for energy-efficient upgrades.
BC’s CleanBC Better Homes Rebates – for upgrading heating, windows, and insulation.
Edmonton’s Home Energy Retrofit Accelerator – grants for energy audits and efficiency upgrades.
Saskatchewan’s Residential Energy Efficiency Loan Program – through SaskEnergy for insulation, doors, heating systems.
How to apply:
Check your city or province’s website or speak with a local home improvement contractor who’s familiar with available incentives.
Smart Building Can Result In Smart Saving
Renovating or building a home is one of the most significant investments you’ll make and thanks to these grants, you can do it smarter and more affordably.
Whether you’re improving insulation, making your home greener, or starting fresh from the foundation up, there’s likely a grant or incentive out there to help you do it better and save while you build.
Ready to Build or Renovate?
At Diamond Homes, we don’t just renovate, we build smart, sustainable, and beautiful homes that last. We also help you identify the grants you’re eligible for, plan your project efficiently, and bring your dream home to life without breaking the bank.
Book a free consultation today to start your home improvement journey the right way, with the right team and the right funding.