Home Energy Efficiency Loan

Our Home Energy Efficiency Loan is a convenient and affordable financing option if you want to make energy efficiency upgrades to your home. The monthly payment will be added to your energy bill and no down payment is required.

The loan covers qualifying upgrades for:

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  • You must be the owner of the home in which energy improvements are made and have an active Manitoba Hydro account in good standing.
  • The home must be detached or semi-detached. Mobile homes on permanent foundations with a permanent water supply are also eligible.
  • Indigenous customers living in Band-owned homes are eligible for financing with a Band Council Resolution.
  • Upgrades must be made to levels recommended by Manitoba Hydro.

Financing information

  • You can finance up to $7,500 per residence, of which up to $5,500 can be applied toward the purchase of a high efficiency natural gas furnace.
  • The maximum term is 5 years. If the loan (or part of the loan) is for a high efficiency natural gas furnace or boiler, that portion has a maximum term of 15 years.
  • The annual interest rate is fixed at 4.8% (O.A.C.) for the first 5 years of the loan.
  • The minimum monthly payment is $15.
  • The minimum amount that can be financed is $500.
  • Monthly installments will be applied to your energy bill. Repayment of the loan is the responsibility of the owner and not the tenant.
  • Additional payments may be made at any time with no penalty.
  • A $20 administration fee will apply for complete payments prior to 6 months.
  • The loan becomes due and payable when the house is sold. The loan is not transferrable.
  • The cost of one upgrade cannot be split between two Home Energy Efficiency Loan Agreements or between financing programs.

Financing is not available for:

  • unoccupied homes, seasonal dwellings (summer homes and cottages), apartment buildings, garages, commercial properties, and homes under construction;
  • projects in progress or already completed;
  • used equipment or materials;
  • natural gas and electrical materials that are not installed by an allied gas fitter/electrician licensed by the province of Manitoba;
  • wiring and related equipment for new and old buildings not previously supplied with electrical service;
  • your labour – only materials and equipment are eligible for do-it-yourself projects;
  • labour in the absence of a qualified technology;
  • central air conditioning (see the Energy Finance Plan (EFP)).

How to apply

A registered program supplier (contractor or retailer) will work with you to determine if your project is eligible for financing and will help you complete the loan application.

Contractors and retailers: if you are not on our registered supplier list, you can apply now to become a registered supplier.