Atlantic Climate Control

Heat pumps

Heat pump rebates

Heat pumps are supported by federal, provincial and municipal programs. Amounts usually depend on the model installed, your current heating fuel and your household — here's what's available in Ontario and Nova Scotia.

Technician connecting a cold-climate heat pump outdoor unit in winter

Rebates are money back after eligible work. Financing is a loan you repay. Final eligibility is always decided by the program administrator.

Federal

New · Coming in 2027Government of Canada · Federal

National Heat Pump Rebate

Up to $10,000 in federal heat pump rebates

Up to $10,000

Eligible households below the median income

$2,000

Other eligible homeowners

Announced so far

  • Announced by the Government of Canada on October 8, 2026
  • $2 billion over eight years, intended to support up to 820,000 households
  • For eligible electric cold-climate air-source heat pumps on the federal Eligible Products List
  • No energy audit required before or after installation
  • Planned streamlined online application portal, expected to open in early 2027
  • Households apply after their eligible heat pump is installed

Still being finalized

  • Detailed eligibility criteria and income thresholds
  • Final list of eligible heat pump models
  • Application steps, required documents and reimbursement timing
  • Exact stacking rules with each provincial program

Applications are not open yet. Eligibility, amounts, timing and stacking are not guaranteed and will be confirmed by the Government of Canada. Atlantic Climate Control is not affiliated with the Government of Canada.

Sources: Canada.ca — National Heat Pump Rebate · Canada.ca — Backgrounder (Oct 8, 2026) · Prime Minister of Canada — News release

Ontario

RebateActiveOntario

Up to $12,000

Home Renovation Savings Program

Available funding

Up to $7,500 (cold-climate air source heat pump) · up to $12,000 (ground source) · up to $10,000 solar + battery · $500 heat pump water heater · insulation, windows, doors and air sealing with an assessment bundle

Eligibility

  • Ontario homeowners with a detached, semi-detached, row or townhouse, or mobile home on a permanent foundation
  • Connected to the Ontario electricity grid or Enbridge Gas; homes heated with propane, oil or wood may also qualify

Eligible upgrades

  • Cold-climate heat pumps
  • Solar panels
  • Smart battery storage
  • Insulation
  • Smart thermostats

How to apply

  • Heat pumps and attic insulation: no energy assessment required; a program-qualified contractor handles the rebate paperwork
  • Solar: you choose your own contractor (there is no program-qualified list)
  • Heat pump water heaters, windows, doors and most insulation: start with a home energy assessment and complete two or more upgrades
FinancingActiveCity of Ottawa

Up to $125,000

Better Homes Ottawa Loan Program

Financing available

Loan of $10,000 to $125,000 (max. 10% of assessed value) · 4.33% fixed · 20 years · 4% admin charge

Eligibility

  • Detached, semi-detached, townhouse or low-rise (3 storeys or less) residential property with a City of Ottawa tax account
  • Property taxes and City payments in good standing for the past five years

Eligible upgrades

  • Heat pumps
  • Solar panels
  • Renewable energy systems
  • Insulation
  • HVAC upgrades
  • EV chargers

How to apply

  • EnerGuide assessment and Renovation Upgrade Report from a registered energy advisor
  • Application, then a funding request with contractor quotes
  • Loan is attached to the property and repaid through the property tax account
FinancingActiveCity of Toronto

Up to $125,000

Toronto Home Energy Loan Program (HELP)

Financing available

Loan up to $125,000 (max. 10% of current value assessment) · published rates from 3.83% (5 yr) to 5.12% (20 yr) · 2% admin charge

Eligibility

  • Residential property within the City of Toronto
  • Loan value including interest and charges cannot exceed 10% of the property's assessed value

Eligible upgrades

  • Heat pumps
  • Solar panels
  • Battery storage
  • Furnaces & air conditioning
  • Insulation
  • Windows & doors
  • Water heating
  • EV chargers

How to apply

  • Apply to the City before starting work
  • Repaid through the property tax bill; 20-year terms are limited to qualifying projects such as heat pumps and solar
FinancingActiveDurham Region (excl. Pickering)

2% financing

Durham Greener Homes Loan

Financing available

Loan up to $125,000 · 2% interest · fixed 15-year term · up to 50% initial disbursement

Eligibility

  • Durham Region residential property (City of Pickering currently excluded)
  • At least 80% of project costs must be for energy efficiency; up to 20% for weather-resiliency measures

Eligible upgrades

  • Heat pumps
  • Solar panels
  • Battery storage
  • Electrical upgrades
  • Insulation
  • Water heating

How to apply

  • Connect with a Durham Greener Homes coach
  • Local Improvement Charge loan attached to the property; transfers on sale
  • Appliances, cosmetic work and already-completed upgrades are not eligible
FinancingActiveOntario & Nova Scotia

Flexible financing

Private Financing Options

Financing available

Amounts and terms subject to credit approval

Eligibility

  • Homeowners in our Ontario and Nova Scotia service areas
  • Subject to lender approval

Eligible upgrades

  • Heat pumps
  • Furnaces & air conditioning
  • Solar panels
  • Smart battery systems
  • Other qualifying home energy upgrades

How to apply

  • Quote for your project from Atlantic Climate Control
  • Credit application with the financing provider

Nova Scotia

RebateActiveNova Scotia

Up to $5,000

Efficiency Nova Scotia — Home Energy Assessment rebates

Available funding

Rebates up to $5,000 for recommended upgrades · $199 assessment fee (waived for income-qualified households)

Eligibility

  • Nova Scotia homeowners
  • Upgrades must be recommended in your assessment and listed in the rebate guide

Eligible upgrades

  • Heat pumps
  • Insulation
  • Air sealing
  • Other recommended upgrades

How to apply

  • Book an initial assessment with an Efficiency Nova Scotia partner
  • Complete upgrades, then a final assessment within 12 months
  • Rebates are paid within about 90 days of the final assessment
RebateActiveNova Scotia

Up to $5,000

Moderate Income Rebate (MIR)

Top-up reduced from $10,000 to $5,000 in 2026

Available funding

Up to $5,000 top-up · stackable with HEA rebates (up to $10,000 combined)

Eligibility

  • You own the home and it is your primary residence
  • Primarily heated with non-electric sources (wood stoves don't count)
  • Household income limits: 1 person $37,260 · 2 people $77,050 · 3 people $98,900 · 4 people $120,750 · 5+ people $126,500

Eligible upgrades

  • Heat pumps
  • Insulation

How to apply

  • Apply online with proof of income (Notice of Assessment) and proof of ownership
  • Complete the Home Energy Assessment process, including the final assessment
RebateClosedNova Scotia

Closed

Oil to Heat Pump Affordability Program (OHPA)

Closed to new applicants as of July 2, 2026

Available funding

No new funding available

Eligibility

  • Was: income-qualified homeowners heating primarily with oil (at least 500 L in the previous 12 months)

Eligible upgrades

  • Cold-climate air source heat pumps (qualifying list)

How to apply

  • New applications are no longer accepted
  • Do not start work expecting OHPA funding without written confirmation from Efficiency Nova Scotia
FinancingActiveHalifax Regional Municipality

Home energy financing

HalifACT Home Energy Upgrade Program

Registration open for a limited number of homes

Financing available

Local Improvement Charge financing · 4.75% fixed · 10 years · free Navigator support

Eligibility

  • Owner of an HRM home built before 2000 that currently heats with oil
  • Property in good financial standing with the municipality

Eligible upgrades

  • Cold-climate heat pumps
  • Insulation
  • Electric water heating
  • Other qualifying energy upgrades

How to apply

  • Measures must be recommended in a Home Energy Assessment
  • Project must reduce energy use by at least 50%
  • Heat pumps must be on Efficiency Nova Scotia's qualifying list
FinancingStatus: confirm with administratorMunicipality of Pictou County

Up to $65,000

Switch MOPC — Pictou County

Financing available

Up to $65,000 or 25% of assessed value (lower of the two) · 10–15 year terms

Eligibility

  • Homeowner in the Municipality of Pictou County
  • Property in good standing with the municipality

Eligible upgrades

  • Heat pumps
  • Solar panels
  • Battery storage
  • Insulation
  • Energy-efficiency improvements

How to apply

  • Apply through SwitchPACE before work starts
  • Approved contractors can be paid directly after completion
FinancingStatus: confirm with administratorMunicipality of West Hants

Up to $40,000

Switch West Hants

Financing available

Up to $40,000 or 25% of assessed value (lower of the two) · 6.45% fixed · 10–15 year terms

Eligibility

  • Homeowner in the Municipality of West Hants
  • Property in good standing with the municipality

Eligible upgrades

  • Heat pumps
  • Solar panels
  • Battery storage
  • Insulation
  • Windows & doors
  • Water heating

How to apply

  • Apply through SwitchPACE before work starts
  • Approved contractors can be paid directly after completion

Program details checked against official sources in October 2026. Program availability, funding, interest rates, rebate amounts and eligibility requirements are subject to change. Atlantic Climate Control is an independent contractor and is not affiliated with or endorsed by any government, municipality, utility or program administrator. Our team can help homeowners identify programs that may apply to their project. Final eligibility, financing and rebate approval are determined by the applicable program administrator.

Atlantic Climate Control is not a government agency. All programs are subject to eligibility, funding availability and current program rules. Incentive programs, amounts, eligibility rules and availability change frequently and can close without notice. Information on this page is general guidance only — always confirm program details with the program administrator before you make a purchase decision.

What programs commonly check

  • Current heating fuel
  • Whether the model appears on the program's eligible product list
  • Whether an assessment is required before installation
  • Whether a program-qualified contractor must install it

Important

Incentive programs, amounts, eligibility rules and availability change frequently and can close without notice. Information on this page is general guidance only — always confirm program details with the program administrator before you make a purchase decision.

Related

Find out which programs may apply to your home.

We review your heating fuel, equipment and timing so you don't miss a requirement.