Government Assistance

Low‑interest, repayable and forgivable loans for deep energy retrofits in multi‑unit residential buildings. Funding levels vary by project scope

Up to $7,500 for constructing secondary suites designed for multigenerational living.

Up to $80,000 to finance the construction of a secondary suite.

Up to $5,000 for energy-efficient retrofits (e.g. insulation, windows, doors, renewable energy systems).

A rebate on the Federal portion of the GST/HST paid for a newly built or substantially renovated home (including major home additions), or for purchasing from a builder.

Funding up to $10,000 to build and register a secondary suite that is contained within the main property.

Grant of $35,000 for seven or more new eligible units and/or a 15-year forgivable loan of $25,000 per unit, capped at $2,500,000 per site, subject to funding and affordability criteria.

Rebate of up to $2,000 per building permit (excluding HST) and/or a 15-year forgivable loan of $25,000 per eligible unit, capped at $150,000 per site, for units meeting affordability criteria.

10‑year forgivable loan of up to $25,000 to help cover the cost of accessibility modifications in a primary residence.

Forgivable loans of up to $50,000 (plus an additional $5,000 grant for accessibility modifications) to finance the creation of secondary suites.

Up to 50% of the costs or a maximum of $30,000 for interior ARU (Additional Residential Unit) projects.

Forgivable loans up to 50% of project costs or $40,000 (whichever is lower) for constructing detached accessory rental units (ARUs).

A $5,000 grant for (Additional Residential Unit) ARU projects incorporating specified accessibility modifications.

A grant that offers up to 50% of construction costs or a maximum of $10,000 to upgrade existing half‑inch water services in designated constraint areas.

A $5,000 grant for property owners who install essential “rough‑in” infrastructure (water, sewer, electrical) to facilitate a future detached ARU.

Covers up to 70% of ADU costs, capped at $40,000 for interior and $80,000 for exterior ADUs. Funds are released after project completion.

Defers development charges for ancillary units like laneway houses and garden suites, collected only upon lot creation. No direct cash provided.

Forgivable loan of up to $25,000 or 75% of total project costs (whichever is less) for constructing an additional dwelling unit.

The program offers a tiered 5-year forgivable loan: up to $2,500 for standard suites, $5,000 for "Level 1 Affordable," and $7,500 for "Level 2 Affordable" rates, plus a $2,500 bonus for accessible designs.

Up to $25,000/ homeowner—with an additional grant portion of up to $3,500 for accessibility modifications—for secondary suite renovations. The loan is amortized equally over 15 years.

Interest‑free, forgivable loan of up to $25,000 (with an additional $5,000 grant for accessibility modifications) for creating or legalizing secondary suites.

Forgivable loans (up to an established cap per project) to assist with essential home repairs, accessibility modifications, or secondary suite creation.

Covers up to 50% of renovation costs (capped at $40,000) for building secondary suites.

Provides low-cost construction loans and targeted grants (amounts vary) for rental housing projects, including multiplex and mixed-unit developments.

A five‑year forgivable loan of up to $40,000 for constructing secondary basement suites.

A forgivable loan of up to $40,000 over five years for developing secondary or backyard suites.

Up to $30,000 for constructing secondary or garden suites, with an extra $5,000 available as a grant for accessibility modifications.

Up to $30,000 for net‑new accessory dwelling unit (ADU) construction.