City of Ottawa Home-Efficiency Financing
Finance a More Comfortable, Energy-Efficient Home at 4.33% Fixed
Eligible Ottawa homeowners may access long-term City financing for qualifying home-energy upgrades, including cold-climate heat pumps. RB Heating can assess your home, recommend suitable equipment and provide a clear installation quote.
No-obligation consultation • Program eligibility requirements apply
- 4.33%Fixed rate
- Up to 20 yrsRepayment term
- Up to $125,000Financing
- OttawaEligible properties
Eligible heat-pump rebates may also be available
Why now
A Smarter Way to Upgrade Without Carrying the Full Cost Upfront
Long-term City financing lets eligible Ottawa homeowners spread the cost of qualifying energy upgrades over up to 20 years, with repayments made through the property-tax bill.
Cold-climate heat pumps heat and cool your home from a single efficient system, delivering year-round comfort while reducing reliance on fossil fuels.
Depending on the equipment and your circumstances, you may also qualify for provincial heat-pump rebates. These are separate from City financing and have their own rules.
The result can be improved comfort and efficiency — but program eligibility must be confirmed before any work begins.
The Better Homes Ottawa Loan Program
Financing Details at a Glance
Please note: Minimum loan and administrative charges apply. A minimum loan amount of $10,000 and a 4% program administrative charge apply. The City's program administrator determines final eligibility and financing terms.
Who does what
Financing, Rebates and Installation
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City financing
City of Ottawa program
The Better Homes Ottawa Loan Program provides the fixed-rate financing and sets its own eligibility rules. Repayment is through the property-tax bill.
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Provincial rebate programs
Separate administrators
Provincial heat-pump rebates are separate incentives with their own eligibility requirements based on equipment and homeowner circumstances. You may qualify.
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RB Heating consultation & installation
Your HVAC contractor
We assess your home, recommend suitable equipment, provide a clear quote and complete professional installation once approvals are in place.
We specialize in eligible HVAC upgrades
Equipment We Install
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Cold-climate air-source heat pumps
Efficient heating and cooling designed to perform in Ottawa winters.
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Ductless heat pumps
Zoned comfort for homes without ductwork or for specific rooms.
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Ground-source heat pumps
Geothermal systems that draw stable temperatures from the ground.
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HRV and ERV systems
Balanced fresh-air ventilation with heat or energy recovery.
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Electric water-heating solutions
Efficient electric and heat-pump water-heating options.
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Indoor-air-quality products
Filtration, humidity control and air-purification add-ons.
Equipment and project eligibility must be confirmed under current program rules. Not every product automatically qualifies for financing or rebates.
Our role vs. the City's role
Clear Responsibilities on Both Sides
RB Heating does
- Home assessment
- HVAC recommendations
- Equipment sizing
- Detailed quotation
- Professional installation
- HVAC-related rebate guidance
The City or program administrator does
- Loan eligibility
- Application review
- Financing approval
- Program administration
- Repayment administration
- Final rules and requirements
Questions about loan eligibility, approval and administration should be directed to the City's program administrator.
How it works — we make it easy
Your Path to a More Efficient Home
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1
Book a free consultation
Call, email or use the form to request your no-obligation consultation.
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2
Home comfort assessment
We assess your home and current heating to understand your needs.
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3
Recommendations & quote
You receive equipment recommendations and a clear, detailed quotation.
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4
Apply through the programs
Apply through the applicable City financing and rebate programs.
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5
Approved installation
Once approvals are in place, we complete your professional installation.
Do not begin work until any required Notice to Proceed, rebate approval or other program authorization has been received.
Initial location check
See If You're in the Ottawa Region
This is an initial location check, not a formal eligibility check. Official program eligibility is always confirmed by the City's program administrator.
Why choose RB Heating
Local Experience You Can Rely On
Since 1992
More than three decades keeping Ottawa-area homes comfortable.
Local climate knowledge
Systems chosen and sized for real Ottawa winters and summers.
Cold-climate heat-pump experience
Hands-on expertise with modern cold-climate equipment.
Licensed professionals
Factory-trained, licensed specialists on every job.
Clear recommendations
Straightforward advice and transparent, detailed quotes.
Professional installation
Careful, code-compliant installation and ongoing support.
Continued service
Maintenance and service to protect your investment over time.
What homeowners say
Testimonials
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Placeholder Homeowner — Ottawa
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Placeholder Homeowner — Ottawa
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Questions & answers
Frequently Asked Questions
It is a City of Ottawa initiative that helps eligible homeowners finance qualifying home-energy upgrades at a fixed 4.33% interest rate, with repayment through the property-tax bill. Subject to program eligibility and current program rules.
No. RB Heating ClimateCare is an independent HVAC contractor. We provide consultations, recommendations, quotations and installation. Loan eligibility, application review and financing approval are determined by the City or its official program administrator.
Eligible measures may include air-source heat pumps, ground-source heat pumps, heat-recovery ventilation, electric water-heating systems and associated energy-efficiency work. Equipment and project eligibility must be confirmed under current program rules.
Provincial heat-pump rebates are separate from City financing and have their own eligibility requirements. Depending on program rules and your circumstances, you may qualify for both. Confirm all program approvals before beginning work.
No rebate amount is guaranteed. Provincial rebates depend on program rules, equipment type, capacity, your existing heating source and homeowner eligibility. Current program rules apply.
Repayments are made through your City of Ottawa property-tax bill over a term of up to 20 years. The property must have a City of Ottawa property-tax account, and a program administrative charge applies.
The property must have a City of Ottawa property-tax account. The maximum loan is the lesser of $125,000 or 10% of the property's tax-assessed value, with a minimum loan of $10,000. Final eligibility is determined by the program administrator.
No. Do not begin work until any required Notice to Proceed, rebate approval or other program authorization has been received. Confirm all program approvals before beginning work.
An RB Heating representative will contact you to book a free home comfort assessment, recommend suitable equipment and provide a clear installation quote. You then apply through the applicable City and rebate programs before any approved installation begins.
Book a free consultation
Request Your Free HVAC Consultation
No-obligation. An RB Heating representative will follow up to discuss next steps. Program eligibility requirements apply.