Quebec Renovation Grants: RénoClimat, Novoclimat, Tax Credits | Broker

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Renovation Grant Programs in Quebec: What Every Homeowner Should Know

Renovating your property is a major investment, but several government programs can significantly reduce the net cost. In Quebec, homeowners can combine fédéral and provincial grants along with tax credits to finance energy-efficient improvements. Knowing these programs is essential for both homeowners and the mortgage brokers who help them finance their projects.

Rénoclimat: Quebec's Flagship Program

Rénoclimat is Quebec's main financial assistance program for residential energy-efficient renovations. Administered by Transition énergétique Québec (TEQ), an agency under the Ministry of Energy and Natural Resources, it offers financial assistance based on energy-efficiency gains measured between two EnerGuide évaluations conducted before and after the work by a certified energy advisor. Eligible work includes wall, roof, and basement insulation, replacement of doors and windows with ENERGY STAR certified models, air sealing improvements, and heating and ventilation system upgrades. The grant amount varies depending on the energy gains achieved and can reach several thousand dollars.

Canada Greener Homes Grant

At the fédéral level, Natural Resources Canada (NRCan) administers the Canada Greener Homes Grant. This program offers up to $5,000 for eligible energy-efficient renovations, including insulation, windows and doors, heat pumps, solar photovoltaic panels, and renewable energy heating systems. Additionally, the program reimburses up to $600 for the two required EnerGuide évaluations (before and after work). This program can be combined with Rénoclimat, allowing Quebec homeowners to maximize their total financial assistance.

Éconologis: Free Help for Low-Income Households

The Éconologis program specifically targets low-income households in Quebec. It offers free personalized energy-efficiency advice, installation of energy-saving products such as electronic thermostats and weatherstripping, and minor insulation work. Eligibility is determined by the household's gross annual income according to program thresholds. Éconologis is an accessible first step toward improving a home's thermal envelope, even for households that cannot afford major renovations.

Fédéral and Provincial Tax Credits

In addition to direct grants, tax credits are available for certain types of renovations. Federally, the Multigenerational Home Renovation Tax Credit provides a refundable credit of 15% on eligible expenses up to $50,000, for a maximum credit of $7,500. This credit is for creating a secondary dwelling for an eligible relative (a person aged 65 or older, or an adult living with a disability). Provincially, the Quebec government has previously offered the RénoVert tax credit for eco-renovation work. Brokers should verify the current status of these programs, as availability varies by budget year.

The Mortgage Broker's Role With Grant Programs

A mortgage broker who is well-informed about grant programs brings real added value to clients. When a client is considering financing renovations through mortgage refinancing or a home equity line of credit (HELOC), the broker can direct them to available programs, thereby reducing the project's net cost. This integrated approach improves project profitability, increases property value, and strengthens the trust between broker and client. The broker can also collaborate with certified energy advisors and tax specialists to offer comprehensive guidance.

Frequently Asked Questions

What is the Rénoclimat program and who is eligible?

Rénoclimat is a Quebec financial assistance program for residential energy-efficient renovations, managed by Transition énergétique Québec. It is available to owners of single-family homes, semi-detached homes, row houses, and small rental buildings (generally up to 3 units). Eligible work includes insulation, air sealing, window replacement, and heating system upgrades. A pre- and post-renovation energy évaluation is required.

What is the Canada Greener Homes Grant?

This fédéral program from Natural Resources Canada offers up to $5,000 in grants for energy-efficient renovations such as insulation, windows, solar panels, and heat pumps. A $600 reimbursement is also available for the two required EnerGuide évaluations. The program can be combined with Rénoclimat to maximize total financial assistance.

What is Éconologis and who can benefit?

Éconologis is a free Quebec program for low-income households. It provides personalized energy-efficiency advice, installation of energy-saving products (electronic thermostats, weatherstripping), and minor insulation work. Eligibility is based on household income according to thresholds established by the program.

How do renovation tax credits work in Quebec?

Federally, the Multigenerational Home Renovation Tax Credit offers a refundable credit of 15% on eligible expenses up to $50,000, for a maximum credit of $7,500. Provincially, the RénoVert credit (when active) covers a percentage of eligible eco-renovation expenses. Taxpayers must keep all invoices and receipts to claim these credits on their tax return.

Can a mortgage broker combine these grants with mortgage financing?

Absolutely. A broker can advise clients to finance renovations through mortgage refinancing or a home equity line of credit (HELOC), while also taking advantage of grants and tax credits. Grants reduce the net cost of the work, improving the cost-benefit ratio of financing and the net property value after renovation.