Unlocking the Potential: A Guide to Renovation Grants in Ontario




Are you a homeowner in Ontario dreaming of a home makeover? Renovations can breathe new life into your living space, but the costs may seem daunting. The good news is that Ontario offers various renovation grants to ease the financial burden. Understanding and tapping into these grants can make your dream home a reality. From the Niagara Renovates Program, which offers grants of up to $5,000, to the Canada Greener Homes Grant, providing financial support of up to $5,000 for energy-efficient renovations, this guide explores the types of grants available and provides insights into how to navigate the application process. Let’s dive into the world of renovation grants in Ontario and unlock the potential for your home’s transformation.

Types of Renovation Grants in Ontario

  1. Niagara Renovates Program for Homeowners
    • The financial support is offered in the form of a fully forgivable loan, gradually written off over a 10-year period. Homeowners are not required to repay the loan as long as they continue to own and reside in the home throughout this forgivable period. Additionally, the maximum loan amount encompasses a section allocated for accessibility repairs, if necessary, with a cap of up to $5,000, and this portion does not necessitate repayment. The Niagara Renovates Program caters to homeowners with low and modest incomes in the Niagara region, specifically addressing the following needs:
  2. Canada Greener Homes Grant:
    • Launched by the federal government, this grant provides financial support of up to $5,000 to homeowners who invest in energy-efficient renovations. It covers a range of improvements, from better insulation to high-efficiency heating systems. By taking advantage of this grant, homeowners contribute to the country’s environmental goals while enjoying long-term cost savings.
      • Eligible Retrofits:
        • Home Insulation: Upgrade your eligible attic, cathedral ceiling, flat roof, exterior wall, exposed floor, basement, and crawl space.
          • Funding: Up to $5,000
        • Air-Sealing: Perform air sealing to enhance the airtightness of your home, achieving the specified air-change rate target.
          • Funding: Up to $1,000
        • Windows and Doors: Replace your doors, windows, or sliding glass doors with ENERGY STAR® certified models.
          • Funding: Up to $5,000
        • Thermostat: Add a smart thermostat to enhance comfort and save on energy bills (must be combined with another energy efficiency retrofit).
          • Funding: Up to $50
        • Space and Water Heating: Switch to more energy-efficient space heating or water heating equipment to reduce utility bills and carbon footprint.
          • Funding: Up to $5,000
        • Renewable Energy: Install a solar photovoltaic system to convert sunlight energy into electricity.
          • Funding: Up to $5,000
        • Resiliency Measures: Implement measures to protect your home and family from environmental damages (must be combined with another energy efficiency retrofit).
          • Funding: Up to $2,625
        • Low Rise Multi-Unit Residential Buildings (MURBs): Explore options to multiply your incentives if you reside in a multi-unit residential building.
    • Explore the Canada Greener Homes Grant.
  3. Home and Vehicle Modification Program (HVMP):
    • The Home and Vehicle Modification Program offers eligible individuals and families modifications to their homes or vehicles. These modifications are designed to empower children, adults, including seniors, with mobility-restricting disabilities to maintain a safe living environment, engage in community activities, and prevent job loss.
      • Funding: Up to $15,000
    • Home and Vehicle Modification Program (HVMP).
  4. Home Accessibility Tax Credit (HATC):
    • While not a direct grant, the HATC is a non-refundable tax credit that can be claimed on eligible expenses related to improving the accessibility of a residence. This credit is particularly beneficial for those making renovations to accommodate individuals with disabilities or mobility challenges. The credit amount is 15% of up to $10,000 in eligible expenses.
    • Learn about the Home Accessibility Tax Credit.

How to Apply

Applying for renovation grants in Ontario typically involves a straightforward process, but it’s crucial to follow the specific guidelines provided by the granting authorities. Here are general steps to get you started:

  1. Research Available Grants:
    • Explore the different renovation grants available in Ontario and determine which ones align with your renovation plans.
  2. Check Eligibility Criteria:
    • Carefully review the eligibility criteria for each grant to ensure that your project qualifies. Some grants may have specific requirements related to income, property type, or the scope of renovations.
  3. Gather Necessary Documentation:
    • Prepare all the required documentation, such as quotes from contractors, proof of ownership, and any other information requested in the application process.
  4. Submit Your Application:
    • Follow the application instructions provided by the relevant granting authority. Be sure to complete all required forms accurately and submit them within the specified deadlines.


Renovating your home in Ontario can be a more accessible and financially feasible endeavor with the help of renovation grants. Whether you’re focused on energy efficiency, accessibility, or general improvements, these grants can make a significant difference in offsetting costs and ensuring that your home becomes a better, more sustainable space for years to come. Stay informed, explore your options, and take the first steps towards unlocking the potential of your home through renovation grants in Ontario.

Have A Question?

Frequently Asked Questions?

If you decide to tear down and build new you will be subject to new set-back bylaws that could mean your home will have to be smaller or not situated on the lot the same as the original home.

Typically renovations can be less expensive than building new, but this depends on the type of upgrades you choose and how much you decide to renovate. You may start out with a budget to renovate the kitchen and bathrooms but later decide to include living spaces which will increase your budget depending on the quality of upgrades.

When choosing to renovate or build new look ahead 10-15 years. Is your family size going to change? Do you plan on living in the home for the next 30-50 years? A quality renovation and proactive design and planning could make this your forever home or a great investment.

The Innovative Group is here to advise you on whether a renovation or new build is your best choice. Our knowledge and experience in the construction industry gives us the ability to help you understand how your decision will affect your home’s current and future values in the local market.

This depends on the size of the renovation. Many large renovations can be done room by room, but this could leave you without a kitchen or bathroom for a period of time. An unoccupied home allows for a faster completion timeline.

The Innovative Group strives to be as discrete and non-invasive as possible. We pride ourselves on having professional, efficient and respectful trades and staff.

Cost is always dependent on many factors but The Innovative Group will work closely with you to work within your budget.

It’s important to agree upon a scope of work and how you want to handle unexpected costs. We use transparent billing and open communication to ensure spending is on track.
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We are here to help you understand how long projects could take. Working with a designer, an architect, an engineer and applying for city permits can take a few months but if you involve your builder from the beginning we can help lay out a timeline and schedule.

We recommended consulting a designer once you’ve decided what work you want to do. They can help you decide if a renovation is worthwhile based on your needs. Designers will create sketches and plans based on your input and ensure you have included all the required details.

We work closely with engineers, interior designers and architects to ensure your project is of the highest quality and meets all your expectations and needs.

All our project sites have liability insurance for the construction work being done. We recommend you notify your home insurer about the work you are having done including the scope and timeline. Also, check our detailed post about “The Ultimate Guide to Renovation Insurance

Our relationship and knowledge of city hall means we can arrange all the required permits and inspections for your project accurately and efficiently.

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