Ontario Home Renovation Savings — 2026 Programs Guide

Ontario homeowners can access several provincial programs designed to lower the cost of home renovations — from HST rebates on substantial renovations to income-tested forgivable loans for lower-income households. This guide covers the main provincial savings streams and how to find out what applies to your project.

Frequently Asked Questions

What provincial home renovation savings are available in Ontario?

Ontario homeowners may qualify for the Ontario portion of the HST new housing rebate on substantial renovations, income-tested forgivable loans through Ontario Renovates (administered by local service managers), and various municipal programs. Eligibility varies by program and property type.

Is there an HST rebate for major home renovations in Ontario?

Yes. A substantial renovation that converts a used residential property into a substantially new home may qualify for a rebate of the Ontario portion of the HST. CRA and the Ontario government define 'substantial renovation' as replacing 90% or more of the interior of the existing structure. Consult a tax professional for your specific situation.

What records should I keep for a renovation savings claim?

Keep all contractor invoices, building permits, before-and-after photographs, and proof of completion dates. Whether claiming an HST rebate or a provincial grant, comprehensive documentation is required and incomplete records are the most common reason applications are denied.

How do I find Ontario home renovation programs in my municipality?

Start at ontario.ca/page/ontario-renovates for the provincial loan program and your municipality's website for local programs. Many Ontario municipalities — including Toronto, Hamilton, Ottawa, and London — operate their own renovation assistance programs beyond the provincial baseline.

How to Access Ontario Home Renovation Savings

  1. 1
    Identify which programs you may qualify for

    Review your household income, the type of renovation planned, and your property type. Provincial programs have different eligibility rules — substantial HST rebates are based on the scope of renovation, while forgivable loan programs are income-tested.

  2. 2
    Consult your local service manager for forgivable loan programs

    Ontario Renovates forgivable loans are administered locally. Contact your municipal service manager or DSSAB to ask about current intake periods and local funding availability.

  3. 3
    Get licensed contractor quotes

    All provincial programs require licensed contractors and documentation. Get at least two quotes before selecting a contractor. contractor.ca can connect you with licensed Ontario contractors experienced with provincially-funded renovation projects.

  4. 4
    Apply before work begins where required

    Several Ontario programs require pre-approval before construction starts. Submit applications early — provincial and municipal renovation funding is typically limited and intake closes when allocations are exhausted.

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