2026 guide · Rebates & financing
Window Rebate Toronto Ontario: The 2026 Guide to Every Program That Pays You Back
You know the feeling. It is February, the wind is howling off the lake, and you can feel cold air leaking through your living room window. You want new windows. You do not want to pay full price for them.
Good news: you do not have to. In 2026, Toronto homeowners can stack rebates and low-cost financing that take real money off a window and door replacement project. This guide lists every active program, what each one pays, who qualifies, and how to claim it. And when you are ready, request a free quote; we install rebate-eligible products every week and know this paperwork cold.
It takes 2 minutes, and it costs you nothing.
$100
The headline number
back per window or door opening under the Home Renovation Savings Program. Replace 12 windows, an entry door, and a patio door, and that is $1,400 in your pocket.
The short answer
What you can get in 2026
Here is the rebate landscape for window replacement in Toronto right now:
| Program | What it offers |
|---|---|
Home Renovation Savings Program Cash back on Energy Star certified windows and doors. This is the main rebate in Ontario in 2026. | $100 per opening |
Canada Greener Homes Loan An interest-free federal loan repaid over 10 years. New energy efficient windows and doors are eligible upgrades. | $5,000 to $40,000 |
Toronto Home Energy Loan Program (HELP) A City of Toronto loan at low fixed rates, with terms up to 20 years. It covers window and door replacement as part of a home energy retrofit. | Up to $125,000 |
Canada Greener Homes Grant It stopped taking new applicants in 2024. If you see sites promising this grant for new projects, they are out of date. | Closed |
Program amounts change. Confirm the current numbers on the official program pages before you sign a contract. Now let us go deeper on each one.
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The big one
Home Renovation Savings Program
This is the program most Toronto homeowners use in 2026. It launched in January 2025 and is delivered by Save on Energy (the IESO) together with Enbridge Gas. If you have searched “Enbridge window rebate,” this is what people mean now.
You get $100 per opening for Energy Star certified windows and doors. An opening means the rough opening in your wall, so a bay window that fills one opening counts once. Replace 10 windows and 1 entry door and you collect $1,100.
The program also covers other upgrades: insulation, air sealing, heat pumps, and smart thermostats. Some of those pay up to 30 percent of the cost. That matters if you plan a bigger retrofit, which we cover below.
You do not need a pre-renovation energy audit for the windows and doors rebate. That is a big change from the old programs, which made you book an assessment before any work started.
Claiming it
Three requirements, then four steps
You own the home, and it is your residence in Ontario.
The products are Energy Star certified for the Canadian climate zone.
A contractor installs them. Keep your invoice; it needs to show the products and the install.
01
Get your quotes
Get quotes for Energy Star certified replacement windows from a licensed window company.
02
Install
Complete the installation.
03
Apply online
Apply through the Home Renovation Savings portal with your invoice and product details.
04
Get paid
Receive your rebate.
A good window contractor handles most of this with you.
Rebate-eligible vinyl windows are daily work for our installation crews, so the paperwork is routine. Start with a free quote and ask about rebate handling up front.
The loan programs
Canada Greener Homes Loan: 0 percent financing
The federal grant is gone, but the loan is alive and useful. The Canada Greener Homes Loan gives you $5,000 to $40,000 at 0 percent interest, repaid over 10 years.
Windows and doors qualify when they are part of an energy retrofit recommended by an EnerGuide evaluation. So this path takes more steps: you book an energy assessment first, then do the work, then a follow-up assessment.
Is it worth it? Run the math. A $20,000 window and door replacement financed at 0 percent instead of 7 percent saves you thousands in interest over 10 years. If you are replacing every window in the house anyway, the extra steps often pay for themselves.
Toronto HELP: the city’s low-interest loan
The Home Energy Loan Program is a City of Toronto program for Toronto homeowners. It lends up to $125,000 at low fixed rates, with repayment terms up to 20 years, for home energy improvements. Window installation and door installation are on the eligible measures list.
This loan suits one person in particular: the homeowner doing a deep retrofit. New windows plus insulation plus a heat pump, all in one project, funded through one loan tied to the property. If you only need 5 windows swapped, the Home Renovation Savings rebate alone is simpler.
Bundle or not
Bundle upgrades or do one at a time?
The official program sites push bundling, and there is a reason. Doing two or more upgrades together can qualify you for larger combined rebates, and you pay for scaffolding, permits, and disruption once instead of twice.
But bundling is not required. The 2026 rules let you do a single upgrade and still get paid. One door? $100 back. Windows only, no insulation? Still eligible. Do not let a program site talk you into a $60,000 retrofit when what you need is 8 new windows before winter.
A simple way to decide:
Your windows are failing and your furnace is fine: do windows now, claim the per-opening rebate, done.
Your home is a 1960s side-split losing heat everywhere: price a bundle. Stack the window rebate with insulation and air sealing rebates, and finance it through HELP or the Greener Homes Loan.
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The fine print
Make sure your new windows actually qualify
This is where homeowners lose money. The rebate has two hard requirements, and both are easy to miss.
First, the product must be Energy Star certified for your zone. Not “energy efficient” in the brochure sense. Certified, with the label. Natural Resources Canada pegs the average energy savings from certified windows at about 12 percent, and the rebate programs only pay for certified units. Ask your installer for the certification reference on the quote.
Second, the paperwork must be right. Your invoice needs to show the product details, the address, and the installation. A handwritten receipt from an uninsured crew can cost you the whole rebate.
This is exactly why our window installation projects run on certified products and documented invoices from day one. The same goes for door installation: entry doors and patio doors earn the same $100 per opening when they are certified and documented properly.
A worked example
What this looks like in dollars
Say you own a detached home in Scarborough with 12 original windows and a draft you can feel from the couch.
| The project | The math |
|---|---|
12 Energy Star certified vinyl windows, installed Quotes typically land here for a home this size. Yours depends on sizes, styles, and install details. | Low five figures |
Home Renovation Savings rebate 12 openings at $100 each. | $1,200 back |
Add an entry door and a patio door 2 more openings, $200 more. | $1,400 total back |
Finance through the Greener Homes Loan You skip the interest a line of credit charges. | 0% interest |
The rebate does not make new windows free. It makes the certified option cheaper than cutting corners, which is the whole point.
The Drafty standard
Rebate-eligible by default, not as an upsell
Drafty covers Toronto and the GTA, including Scarborough, Etobicoke, and Mississauga. Every crew that installs a Drafty project has already shown proof of licensing, insurance, and a real installation track record, and quotes certified, rebate-eligible products as the starting point.
You tell us about your project once. You get one written quote for certified, rebate-eligible products, from a team that knows the 2026 claim process. No fee for the quote, no obligation to go ahead.
FAQ
Frequently asked questions
Straight answers on window rebates, grants, and taxes for Toronto and Ontario homeowners in 2026.
Are there rebates for new windows in Ontario?
What is the 2026 window replacement program in Ontario?
Can you get a rebate on new windows?
What is the maximum tax credit for new windows?
What is the Ontario window grant 2026?
Can you claim new windows on your taxes in Canada?
Get started
Get your rebate-eligible quote
New windows should mean a warmer house, a quieter street, and a lower hydro bill, not a season of paperwork. Tell us about your project and our team will contact you shortly with a quote for certified products and a clear read on the 2026 rebate claim.
It takes 2 minutes, and it costs you nothing.
Free, no obligation
Get your free window replacement quote
Tell us about your project and our team will follow up with pricing.
Drafty works with licensed, insured local installation crews. Every installation is completed by an independent local crew carrying $2M liability insurance and WSIB coverage.