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Ontario Renovates Program
Forgivable financing for home repairs and accessibility
Last Update: April 29, 2026
Funding available
$ 25,000
Timeline
- Closing date : December 1, 2026
Location
Ontario, Canada
Overview
Interest-free forgivable financing helps low-income homeowners repair or adapt their homes. Funding supports major repairs and accessibility modifications, with a maximum amount that varies by program stream and location.
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Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Increase social or community impact
- Renovate or expand facilities
- Renovate or adapt facilities
Eligible Funding
- Maximum amount : 25,000 $
Timeline
- Closing date : December 1, 2026
Eligible candidates
Eligible Industries
- Construction
- Real estate and rental and leasing
Location
- Ontario
Legal structures
- All legal structures
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- Indigenous Peoples
- Persons with Disabilities
- Canadians
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- Major home repairs
- Accessibility modifications
- Creation or legalization of a secondary suite
- Repair or rehabilitation of an existing secondary suite
Documents Needed
- Completed application form
- Photo identification for the applicant
- Proof of income and assets
- Property assessment notice or tax bill
- Proof of insurance, mortgage, and property tax payments
Official resources
Eligibility
Who is eligible?
- Low- to moderate-income homeowners
- Homeowners in Waterloo Region
- Homeowners in the City of Brantford and County of Brant
- Homeowners in the United Counties of Leeds and Grenville
Who is not eligible
- Renters and non-owners
- Owners of homes that are not their principal residence
- Applicants with active bankruptcy files
- Owners who have already started the work before approval
- Commercial or non-residential property owners for ineligible work
Eligible expenses
- Repairs to major home systems and structure
- Accessibility modifications for persons with disabilities
- Related professional fees and permits where allowed
Ineligible Costs and Activities
- Landscaping and routine maintenance
- Cosmetic renovations and repairs
- Work started before approval
- Supportive care and therapeutic equipment
- Commercial or non-residential work
Eligible geographic areas
- Waterloo Region
- City of Brantford
- County of Brant
- United Counties of Leeds and Grenville
Selection criteria
- Eligibility against income and property criteria
- Project need and suitability of proposed repairs
- Funding availability
- First come, first served processing where applicable
How to apply
- Step 1: Get the application package
- Download the form or request it from the Region.
- Review the fact sheet and required documents.
- Step 2: Complete the application
- Fill in the form and attach all required supporting documents.
- Sign the application and declarations.
- Step 3: Submit the application
- Send the completed package by email, fax, mail, or drop it off at the Region’s office.
- Step 4: Wait for review and inspection
- Eligible applicants may be contacted to arrange a home inspection.
- Additional contractor quotes and agreement documents may be required before approval.
Processing and Agreement
- Applications are reviewed for eligibility
- A home inspection may be scheduled for eligible applications
- Approved applicants receive a conditional letter and loan agreement
- Contractor quotations are reviewed before final approval
- Payment is issued after the work is completed and verified
Additional information
- Applications are first come, first served when funding is available.
- Eligible homeowners may be contacted for a home inspection.
- Applicants must disclose other funding received or expected for the same work.
- Independent legal advice is recommended for approved loans.
Contacts
Other components of this program
Explore related funding streams and grants that belong to the same program.
- Homeownership ProgramDown-payment assistance for first-time home buyers
Frequently Asked Questions about the Ontario Renovates Program Program
What is the Ontario Renovates Program?
Interest-free forgivable financing helps low-income homeowners repair or adapt their homes. Funding supports major repairs and accessibility modifications, with a maximum amount that varies by program stream and location.
How much funding can be received?
Ontario Renovates Program Funds up to $25,000 of admissible expenses.
Who is eligible for the Ontario Renovates Program program?
To be eligible for the Ontario Renovates Program program, you must:
Own and occupy the home
Meet income and property value limits
Property charges must be current
What expenses are eligible under Ontario Renovates Program?
Major home repairs
Accessibility modifications
Creation or legalization of a secondary suite
Repair or rehabilitation of an existing secondary suite
Who can I contact for more information about the Ontario Renovates Program?
You can contact United Counties of Leeds and Grenville (UCLG) by email at OntarioRenovates@regionofwaterloo.ca or by phone at 519-575-4400.
Where is the Ontario Renovates Program available?
The Ontario Renovates Program program is available the province of Ontario.
Is the Ontario Renovates Program a grant, loan, or tax credit?
Ontario Renovates Program is a Grant and Funding