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Better Homes Ottawa Loan Program | RB Heating ClimateCare
Now available to eligible Ottawa homeowners

Did you know?

The City of Ottawa offers the Better Homes Ottawa Loan Program to help eligible homeowners finance energy-efficient home upgrades at a fixed 4.33% interest rate.

A simple, affordable way to make your home more comfortable while saving on energy — with expert HVAC installation from your local team since 1992.

Fixed financing4.33%
Heat pump rebates*up to $4,000

Available to Ottawa postal codes only. Eligibility is confirmed by the City.

Fixed interest rate
4.33%

Locked in for the life of your loan — no surprises.

$125K
Finance up to
20 yrs
Repay over up to
Tax bill
Payments added to
Since '92
Local & trusted
The Better Homes Ottawa Loan Program

Big upgrades, small, predictable payments

A City of Ottawa program built to make energy-efficient home improvements genuinely affordable. Here's what it offers.

Fixed 4.33% rate

Lock in predictable payments for the full term.

Finance up to $125,000

Enough headroom for a wide range of eligible upgrades.

Repay over up to 20 years

Flexible terms that fit comfortably into your budget.

Added to your tax bill

Simple, convenient repayment through your property taxes.

Save energy, gain comfort

Increase efficiency, comfort and long-term home value.

Payment estimator

See what your upgrade could cost per month

Slide to explore how much you'd like to finance and over how long. We'll estimate your payment at the program's fixed 4.33% rate.

Estimates are for illustration only and use standard amortization at 4.33%. Actual amounts, terms and eligibility are set and administered by the City of Ottawa. RB Heating ClimateCare does not determine or approve loan terms.

$25,000
$5,000$125,000
15 years
5 years20 years
$188/ month (est.)

Roughly $2,251 per year, added to your property tax bill

$45,022
Est. total of payments
$20,022
Est. interest over term
4.33%
Fixed rate
Get an exact quote — book free
Where we come in

We specialize in eligible HVAC upgrades

RB Heating ClimateCare handles the heating, cooling and air-quality side of your project — the upgrades that make the biggest difference to your comfort and energy bills.

Cold-climate heat pumps

Efficient heating and cooling built for real Ottawa winters.

Heat recovery ventilation

HRV / ERV systems for fresher air without wasting heat.

Electric water heating

Modern electric hot-water solutions.

Where eligible

Indoor air quality

Filtration, purification and healthier air throughout the home.

Looking for windows, insulation, solar or other upgrades?

The program covers far more than HVAC. Visit BetterHomesOttawa.ca for the full list of eligible improvements and program details.

Clear from the start

Our role vs. the City's role

RB Heating ClimateCare is an independent HVAC contractor — we handle your upgrades, the City handles the financing.
What we do
  • Provide expert advice on eligible HVAC upgrades
  • Provide quotes and professional installations
  • Help process applicable heat pump rebates
  • Guide you through the HVAC portion of the program
What the City does
  • Determine loan eligibility
  • Process and approve loan applications
  • Administer the financing program
  • Oversee program guidelines

Questions about loan eligibility, approval and administration should be directed to the program administrator.

How it works — we make it easy

Five simple steps to a comfier home

1

Contact us

Call or email to book your free HVAC consultation.

2

Home assessment

We assess your home and recommend the right upgrades.

3

Get your quote

A clear quote for your chosen upgrades and rebate info.

4

Finance through the City

Apply for the loan directly through the program administrator.

5

Enjoy the benefits

Lower bills, greater comfort and a more efficient home.

Stack your savings

Pair the loan with up to $4,000 in rebates

The Better Homes Ottawa loan covers the cost of your upgrade, while provincial heat pump rebates put money back in your pocket. Used together, an efficient home becomes remarkably affordable.

See what you qualify for
4.33%Low-interest financingSpread the cost over up to 20 years on your tax bill.
$4,000Heat pump rebates*Applied to eligible cold-climate heat pump upgrades.
= Morecomfort for less out of pocketLower energy bills from day one.
Book a free consultation

Request your free HVAC upgrade consultation

Tell us a little about your home. A local RB Heating advisor will follow up to book your no-obligation assessment.

  • No cost, no pressure — just honest advice
  • We help identify eligible rebates and upgrades
  • Clear, written quote for your project
  • Trusted local installers since 1992
Prefer to talk now?
613-505-4051 [email protected]
Ready to learn more?

Get ahead of the season

A no-pressure visit from your trusted local team. We'll assess your home, recommend the right upgrades and walk you through the program — financing and rebates included.