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INCENTIVES AND FUNDING

The savings are the cake. Incentives are the cherry on top.

A well-run building saves money every month on its own: lower bills, less maintenance, equipment that lasts longer, and data that makes every decision easier. Incentives, rebates and low-cost financing then shrink the upfront cost and shorten the payback even further.

HOW WE GET YOU THERE

From free benchmark to funded upgrades, with one local team.

1Free benchmarkSee how your building compares.

2Opportunities identifiedAudit and upgrade case, with paybacks.

$Incentives securedPrograms found, stacked and approved before you buy.

FOR BUILDING OWNERS AND MANAGERS

Programs for commercial, institutional and multi-residential buildings.

Checked October 2026. Terms change; we confirm current eligibility for your building.
Program	Offered by	What it helps pay for	Good for
Retrofit Program	Save on Energy	Incentives for upgrading lighting, heating and cooling, controls and other equipment	Commercial, industrial, institutional, multi-residential
Existing Building Commissioning	Save on Energy	Incentives to tune up existing heating, cooling and control systems with a qualified provider	Commercial and institutional
Energy Performance Program	Save on Energy	Pay-for-performance rewards for measured whole-building savings from operational changes	Commercial, institutional, industrial
BizEnergySaver	Save on Energy, through Toronto Hydro	Free assessment and instant discounts on LED lighting, controls, variable-speed drives and garage exhaust controls	Toronto buildings, including multi-residential
Commercial Custom Retrofit	Enbridge Gas	Up to $0.40 per cubic metre of gas saved, up to 75% of the extra cost of the efficient option, to $100,000 per project; pre-approval required	Commercial, institutional, multi-residential
Energy Retrofit Loans	City of Toronto	Up to 100% of project cost at the City's borrowing rate, repaid over up to 30 years	Any Toronto building; condo common areas
Clean Technology Investment Tax Credit	Government of Canada	Refundable tax credit of up to 30% on heat pumps, solar and energy storage	Taxable Canadian corporations and REITs
Demand response	IESO	Payments for reducing electricity use during peak periods	Sites using 500 kW or more
MLI Select	CMHC	Mortgage insurance with longer amortization (up to 50 years), higher loan-to-value and lower premiums, earned partly through energy efficiency points	Rental buildings of 5 or more units, new or existing
Retrofit financing	Canada Infrastructure Bank, with partner banks	Low-cost loans for larger commercial and multi-residential retrofits	Larger projects and portfolios

FOR HOMEOWNERS

Programs for houses, townhomes and cottages.

Home programs work differently: most need a home energy assessment before and after the work. Our homeowners page has the full rebate table.

SAVE ON ENERGY AND ENBRIDGE GAS

Home Renovation Savings

Up to $7,500 for a cold-climate heat pump, up to $7,700 for insulation in a bundle, and $600 toward the assessment.

Details → GOVERNMENT OF CANADA

National Heat Pump Rebate

$2,000, or up to $10,000 for low- to median-income households. Opens early 2027.

Details → CITY OF TORONTO

Home Energy Loan Program (HELP)

Low-interest loans up to $125,000, repaid on your property tax bill.

Details → REGIONAL

Durham, Waterloo and Peel programs

Durham Greener Homes, Retrofit Waterloo Region and the Peel Energy Grant Program.

Details →

See every home rebate Estimate your home rebates

MULTI-UNIT RENTAL FINANCING

CMHC MLI Select: better financing for more efficient buildings.

MLI Select is CMHC's mortgage loan insurance for rental buildings of 5 or more units. Owners earn points for affordability, accessibility and energy efficiency. More points unlock longer amortization, higher leverage and lower insurance premiums.

Where we come in: energy efficiency points must be backed by an energy model or assessment. We model your building, document the savings, and design the upgrade plan that reaches your points target.

CMHC: MLI Select details

Energy efficiency points

Points	Existing building	New construction
20	15% lower energy use	25% better than National Energy Code of Canada for Buildings (NECB), or 20% better than NBC
35	25% lower energy use	50% better than NECB, or 40% better than NBC
50	40% lower energy use	60% better than NECB, or 70% better than NBC

What the points unlock

50 points: amortization up to 40 years; up to 85% loan-to-value (existing) or 95% loan-to-cost (new)
70 points: amortization up to 45 years; up to 95% loan-to-value (existing)
100 points: amortization up to 50 years, limited recourse

Estimate your points → Energy efficiency counts for up to 50 points; combine it with affordability or accessibility to reach higher tiers. NECB and NBC: National Energy Code for Buildings and National Building Code, Tier 1. Checked October 2026.

HOW WE HANDLE IT

We find them, stack them and secure them.

We find them

Your benchmark and assessment flag every program your building may qualify for.

We stack them

Electricity, gas, municipal and federal programs combined where the rules allow.

We secure them

Pre-approvals before any equipment is bought, applications filed, and the measured-savings reports pay-for-performance programs require.

WHY NOW

The rules and the money both have deadlines.

Every July 1

Ontario buildings of 50,000 sq ft and up report energy and water use. Details.

July 2, 2027

Toronto buildings from 10,000 to 49,999 sq ft file their first report.

December 31, 2027

Approval deadline for current Save on Energy project incentives.

DOES MY BUILDING QUALIFY?

Likely yes, if any of these apply.

Lighting, heating, cooling or controls are more than 10 years old
You're planning equipment replacements in the next two years
The building uses natural gas for heating or hot water
It's in Toronto, or larger than 10,000 sq ft anywhere in Ontario

Important: most programs require approval before equipment is purchased. Talk to us before you sign a quote.

Find out what your building qualifies for

The free benchmark includes the incentives that fit your building type and size.

Get my free benchmark

INCENTIVE PROGRAMS IN DETAIL

Program by program.

INCENTIVE

Enbridge Commercial Custom Retrofit

Enbridge Gas's Commercial Custom Retrofit program pays up to $0.40 for each cubic metre of natural gas a project saves, up to…

Learn more →INCENTIVE

Existing Building Commissioning (EBCx)

Save on Energy's Existing Building Commissioning program pays commercial and institutional building owners to tune up the systems they already have: up…

Learn more →INCENTIVE

Small Business Program

The Small Business Program gives Ontario businesses with 50 or fewer employees a free on-site assessment and free installation of eligible upgrades:…

Learn more →INCENTIVE

Toronto Energy Retrofit Loans

The City of Toronto's Energy Retrofit Loans finance up to 100% of the cost of energy and low-carbon retrofits at a rate…

Learn more →FREE TOOL

MLI Select calculator

Estimate your CMHC MLI Select energy efficiency points and tier.

Learn more →GUIDE

Ontario energy rebates tracker

Every program open to Ontario homes and buildings, what it pays, and what changed. We check each one against the program's own site every month.

Learn more →INCENTIVE

Toronto HELP loan

HELP is the City of Toronto's low-interest loan for home energy upgrades: up to $125,000 or 10% of the property's current value…

Learn more →INCENTIVE

Home Renovation Savings Program

The Home Renovation Savings Program is Ontario's main home energy rebate, run by Save on Energy and Enbridge Gas. Some upgrades, such…

Learn more →INCENTIVE

National Heat Pump Rebate

The National Heat Pump Rebate is a new federal grant of $2,000, or up to $10,000 for low- to median-income households, for…

Learn more →

QUESTIONS

Questions about incentives

What energy incentives are available for commercial buildings in Ontario?

Save on Energy (Retrofit, Existing Building Commissioning, Energy Performance Program, BizEnergySaver in Toronto), Enbridge Gas Commercial Custom Retrofit, City of Toronto Energy Retrofit Loans, the federal Clean Technology Investment Tax Credit, IESO demand response, Canada Infrastructure Bank retrofit financing and CMHC MLI Select for rental buildings.

Can incentives be stacked?

Often, yes. Electricity, gas, municipal and federal programs can frequently be combined where each program's rules allow. We check the stacking rules before you apply.

Do I need approval before buying equipment?

For most programs, yes. Enbridge Gas Custom Retrofit and Save on Energy project incentives require pre-approval before equipment is purchased. Talk to us before you sign a quote.

When is the Save on Energy approval deadline?

Current Save on Energy project incentives must be approved by December 31, 2027.

How does CMHC MLI Select relate to energy efficiency?

MLI Select awards up to 50 points for energy efficiency on rental buildings of 5 or more units, for example 15%, 25% or 40% lower energy use in existing buildings. Points unlock longer amortization and higher loan-to-value. An energy model documents the improvement.