Ontario Renovates — Forgivable Loans for Ontario Homeowners 2026

The Ontario Renovates program provides forgivable loans and grants to low-to-moderate-income Ontario homeowners for critical home repairs, accessibility modifications, and energy-efficiency improvements. Administered by municipal service managers, funding amounts and eligibility vary by municipality — but the program is available province-wide.

Frequently Asked Questions

Who can apply for Ontario Renovates?

Low-to-moderate-income homeowners who own and occupy their primary residence in Ontario are eligible. Applicants must meet income thresholds set by their local service manager. Priority is given to seniors, persons with disabilities, and households in core housing need.

What types of work does Ontario Renovates fund?

Eligible work includes critical home repairs (roof, foundation, heating systems), accessibility modifications (ramps, grab bars, stair lifts), and energy-efficiency improvements. The program does not fund cosmetic renovations.

Are the loans forgivable?

Yes. If you remain in your home and meet program conditions for a specified period (typically 10–20 years depending on your municipality), the loan is forgiven and does not need to be repaid. Conditions vary by local service manager.

How do I apply?

Applications are submitted to your local municipal service manager or district social services administration board (DSSAB). Search ontario.ca/page/ontario-renovates for your local contact. Funding is limited — apply early as allocations are often exhausted.

How to Apply for Ontario Renovates

  1. 1
    Find your local service manager

    Visit ontario.ca/page/ontario-renovates and locate the contact for your municipality or district. Each service manager sets its own intake dates and application process.

  2. 2
    Confirm you meet income eligibility

    Gather your household income documentation. Eligibility thresholds are set locally — your service manager will advise on the income limits and required documents.

  3. 3
    Obtain contractor quotes

    Get at least two quotes from licensed contractors for the eligible repair or modification. contractor.ca can help you find licensed Ontario contractors who have worked with Ontario Renovates projects.

  4. 4
    Submit your application

    Submit your application package to your local service manager with income documents, property ownership proof, and contractor quotes. Approved applicants receive a funding commitment before work begins.

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