Each year there are new federal, provincial and municipal programs to support Ottawa homeowners with renovations and upgrades to their home.
But many homeowners end up leaving this money on the table. For 2018 this is no different, there are multiple rebates and tax credits available to homeowners.
Will you take advantage of these?
To make things easy, we have put together the top 5 tax credits and renovations you can take advantage of in 2018. This list is meant for Ottawa homeowners but most renovation credits apply to all Ontario home renovations. To learn more about these credits you can select each below, or scroll down to read more about each program.
If you are planning a home renovation, foundation repair or new addition see if you qualify for any of these programs.
- Home Energy Conservation (HEC) Program:
- Save on Energy Rebates
- Residential Protective Plumbing Program (RPPP)
- HST New Housing Rebate
- Home Accessibility Tax Credit (HATC)
- Greenon Window and Insulation Rebate
1) Home Energy Conservation (HEC) Program:
This program helps Ontario homeowners improve the energy efficiency of their home through $1600 worth of incentives. The program is run by Enbridge and includes a variety of eligible appliance, HVAC and home energy updates.
If you are thinking of updating your furnace, doing a basement renovation or wanting to improve the efficiency of your HVAC system, this program can help offset the costs.
Here’s how to qualify for the incentive:
Step 1: Sign-Up
Visit https://enbridgesmartsavings.com/ and enter your postal code. After answering three questions Enbridge will tell you if you are eligible. If you are, Enbridge will direct you to contact a Registered Energy Advisor to schedule a phone call and discuss the HEC Program.
Step 2: Schedule Energy Pre-Audit
Your Registered Energy Advisor will setup an appointment to conduct a pre-energy audit on your home. You have to pay the upfront cost of the audit ($250) and get a report on the energy efficiency of your home along with opportunities for updates and renovations.
Step 3: Complete Home Energy Renovations
Complete the qualifying home renovations to improve the energy efficiency of your home. These can include a furnace upgrade, sealing windows better, new insulation, HVAC updates and more. The minimum are two qualifying updates and a 15% increase in efficiency.
Step 4: Schedule Energy Post-Audit
When updates are complete schedule your post-audit with your energy advisor. This will cost $176 upfront, but you completion if you achieve the 15% increase in efficiency the $1,600 rebate will offset this cost.
Step 5: Receive Check in Mail
After energy post-audit is complete you will receive your cheque in the mail.
You can learn more about this program by visiting the Ontario Home Energy Conservation website.
2) Save-on Energy Rebates
Similar to the HEC program, the Save on Energy conservation program supports homeowners with rebates on the purchase of ENERGY STAR certified appliances.
This is a perfect program for homeowners thinking of doing a new kitchen or basement renovation and replacing old inefficient appliances.
The rebate program includes a ranges of incentives with different rebate amounts for each appliance. For example, refrigerators, washers and freezers are eligible for $75, while larger HVAC upgrades like furnaces and heat pumps can provide up to $4,000 in rebates.
How to use the Save on Energy program?
Ottawa homeowners can take advantage of the ENERGY STAR appliance rebate by following these steps:
In Ottawa, Enbridge Gas facilitates the rebate portion of the Save-On-Energy program. Their website provides information on the range of rebates and you can take advantage of.
Step 2: Contact Registered Energy Advisor
Through the Enridge Smart Saving website you can find the entire list of Registered Energy Advisors in Ottawa. Choose one and give them a call. We have had experience using Enviro Center this past year with positive results.
Step 3: Audit and Incentives
Talk to your Energy Advisor about your situation, intended upgrades and total amount of available incentives. They will let you know if conducting an energy audit and taking advantage of the incentives and rebates makes sense for your situation.You can learn more on the full details of this program here: https://saveonenergy.ca/ Incentives and rebates will be added and changed for 2018.
3) Residential Protective Protective Plumbing Program (RPPP):
The record rainfall in Ottawa this year caused trouble for many homeowners’ basements. But with some proactive basement maintenance and knowledge of your home’s plumbing infrastructure most issues can be avoided.
Plus the City of Ottawa’s RPPP—a municipal rebate program—is setup to support homes susceptible to basement flooding.
The RPPP works by providing over $2,000 in rebates to basement flood prevention equipment including backwater valve installation, sump pumps and building permits for the renovation activities.
Are you eligible to take advantage of the RPPP program?
Here are the two major RPPP eligibility requirements for City of Ottawa homeowners:
- Home built prior to January 1, 2004 for protective plumbing work related to the private storm sewer services
- Home prior to January 1, 2012 for protective plumbing work related to private sanitary sewer services
Further details on eligibility for the RPPP can be found here.
How does RPPP help protect your home from basement leaks?
The diagram below shows how water can enter your basement from the city’s sewer systems. If your home was built prior to 2004, updating the protective plumbing equipment is a good safety measure and may lower your insurance.
How to take advantage of the RPPP Rebate?
Here are the seven steps to take take advantage of the RPPP rebate.
Step 1: Submit Your Application
Visit the City of Ottawa’s RPPP website and follow the instructions. This will included a detail of proposed work plus a quote for the renovation and infrastructure update.
Step 2: City will review your RPPP application
The city will review your RPPP application and contact you with any questions, next steps and your assigned RPPP file number.
Step 3: CCTV Inspection
The next step, your basement renovation contractor will a perform a CCTV inspection of the sewer lateral from inside the home to the city sewer at street level—then submit this recording to the City of Ottawa
Step 4: Site Visit
The city will conduct a free of charge site visit to confirm protective plumbing is required.
Step 5: Site Visit Review + Building Permits
After the site visit is complete you will receive a review. At this time you can have your renovation contractor apply for building permits and prep for proposed work.
Step 6: Equipment Installation:
Your contractor can begin the installation of protective plumbing devices, foundation repair and basement waterproof—depending on your situation.
Step 7: Rebate Processing
After work is complete and paid in full, you submit the final piece of the RPPP application and receive your rebate cheque!
If you found your basement leaking, the RPPP might be a good opportunity to offset the costs of foundation repair and basement waterproofing depending on your situation.
4) HST New Housing Rebate
If you are planning a major renovation, home addition or converting a non-residential property into a home, you may be eligible for up to $30,000 HST rebate.
But of course with a rebate this large, there are strict conditions and processes to follow in order to qualify for the full rebate. Read below to see if this program is right for you:
Who qualifies for the HST new housing rebate?
The Canada.ca website has full program eligibility details on the HST new house program. If you are planning on doing any of the following in Ontario, you may qualify:
- Build a house
- Contract someone to build a house
- Substantially renovate a house or condominium
- Contract someone to extensively renovate a home or condo
- Add a major addition to a home
- Rebuild a home that was destroyed by fire
- Convert a non-residential property into a home
How to calculate new housing HST rebate for home renovations?
The best way to calculate your HST rebate amount is to visit the Canada.ca FAQ section on claiming your HST rebate. On it they provide a range of a variety of calculation worksheets depending on your specific situation.
For example, if you hired a renovation contractor to build a new home addition that doubled the living area in your house you would qualify for the rebate and use this GST calculation form—which itemizes all expenditures—to calculate the total amount.
How to apply for the HST housing rebate?
If individual homeowners are comfortable filing their own taxes and navigating CRA forms, they can apply for the HST housing rebate themselves. But you can only apply for this program once.
If you are planning on doing a major home renovation, such as adding an addition or gutting an old home to do a full renovation—the HST housing program may be right for you.
5) Home Accessibility Tax Credit (HATC):
The HATC is a non-refundable tax credit that helps support seniors and individuals with a disability with a rebate on mobility renovations for their home for up to $10,000 in qualifying expense. These can include new ramps, bathroom renovations, elevators, stair lifts and more.
Are you eligible for the home accessibility tax credit?
If you are 65 years or older, or claim the disability tax credit then you qualify for the HATC program for eligible renovations on your principal residence.
What is qualifying home renovation for the HATC?
If you plan on making a permanent change to your home, like removing a staircase in place of a ramp or installing an accessible bathroom on the main floor you qualify for the HATC.
You can read more information on the HATC program and how to apply on the Canada.ca website here
6) Greenon – Window and Insulation Rebates:
The brand new Greenon Rebate Ontario rebate program is helping homeowners update their insulation, windows and heating systems with a series of rebates annouced in January 2018
What are the home insulation rebates?
Rebates cover up to $7200 off the purchase of insulation for attic, basement and exterior walls. This is broken down into $1500 for attic insulation, $1,900 for basement insulation and $3800 for exterior wall insulation. Full details on the insulation program can be found here
What are the rebates for window replacements?
The window insulation covers $500 per window for up to 10 windows. This rebate applies for each rough opening, meaning the window frames as well as the glass must be replaced. This is also called a brick-to-brick installation. Full details here