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Government Grants for Home Renovations & ADU Construction

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Government Grants

Government Grants for Home Renovations &
ADU Construction

Unlock Savings with Federal, Provincial, and Municipal Programs

Renovating your home or building an Accessory Dwelling Unit (ADU) is a smart investment in your property. What many Ontario homeowners don’t realize is that you can offset a significant portion of the cost through various government programs. From federal interest-free loans for green retrofits to provincial rebates for accessibility and municipal grants for building a new rental suite, financial help is available. At Chrysalis Construction, we specialize in guiding our clients through the entire process, from identifying eligible grants to ensuring the renovation work meets the required standards for funding.

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Home Renovation Grants & Incentives
Energy Efficiency & Green Upgrades
  • Canada Greener Homes Loan – An interest-free federal loan of up to $40,000 to help you complete major, energy-saving retrofits such as heat pumps, new windows, or insulation upgrades.

  • Home Renovation Savings (HRS) Program (Ontario) – Get provincial rebates of up to $10,000 for high-performance energy upgrades. Co-delivered by Save on Energy and Enbridge Gas, this program helps you save money on both the renovation and your future utility bills.

Accessibility & Multigenerational Living
  • Home Accessibility Tax Credit (HATC) – A federal tax credit offering up to $3,000 back on renovations that improve safety and accessibility for seniors or family members with a disability.

  • Multigenerational Home Renovation Tax Credit – This federal credit provides up to $7,500 for costs associated with creating a self-contained secondary suite for a senior or a relative with a disability.

  • Ontario Renovates Program – Offers forgivable loans for low-income seniors and persons with disabilities to fund essential home repairs and accessibility modifications. This program is managed by your local municipality.

Home Renovation Grants & Incentives - Chrysalis Construction
Adu Construction Grants & Financing - Chrysalis Construction
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ADU Construction Grants & Financing
Support for Building Secondary Suites & ADUs
  • Canada Secondary Suite Loan Program – The federal government offers a low-interest loan of up to $80,000 over a 15-year term to help you finance the construction of a new ADU, whether it's a basement apartment, an in-law suite, or a detached garden home.

  • Municipal ADU Grants & Forgivable Loans – Many Ontario municipalities now offer direct funding to homeowners. Programs in cities like Hamilton, St. Catharines, Collingwood and Ajax provide forgivable loans (often up to $30,000) to help cover the cost of building a legal secondary suite. We can help you identify if a program exists in your area.

  • Multigenerational Home Renovation Tax Credit – If your new suite is for a senior or a family member with a disability, you can claim a federal tax credit of up to $7,500. This is a significant rebate that directly reduces your construction costs.

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How to Apply for Government Grants
Our Guided Process to Maximize Your Funding
  • 1: Consultation & Eligibility Assessment – Our process begins by identifying which federal, provincial, and municipal grants your project qualifies for. For energy programs, we help you schedule the mandatory pre-retrofit EnerGuide evaluation.

  • 2: Strategic Quote & Application Package – We provide a detailed project quote and help you assemble all necessary documents, including proof of ownership and renovation plans, tailored to meet the grant program’s specific requirements.

  • 3: Quality Construction & Documentation – Once approved, our team completes the renovation to the program's exact standards. We meticulously document the work performed and products installed, which is crucial for final reimbursement.

  • 4: Post-Renovation Evaluation – Many grants and loans require a final inspection or a post-retrofit EnerGuide evaluation to verify the completed work. We coordinate this crucial step on your behalf.

  • 5: Final Submission & Reimbursement – We ensure you have all the necessary paperwork, including all invoices and evaluation reports, so that you receive the maximum funding you’re entitled to. Most programs provide funding as a rebate after all work is paid for and verified.

Our Guided Process To Maximize Your Funding - Chrysalis Construction
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Don't Leave Money on the Table

The landscape of government funding is complex and constantly changing. At Chrysalis Construction, we have the expertise to help you manage the process. From aligning your renovation plan with the right grants to handling the required inspections and paperwork, we ensure you secure every dollar your project is entitled to.

Renovation Services

Craft Your Dream Home

Breathe new life into your space with Chrysalis Construction renovations.
Where every project is completed on time, on budget, and built around your vision.

Whole Home Renovation - Chrysalis Construction

Chrysalis Construction delivers custom whole-home renovations tailored to your lifestyle, design preferences, and functional needs. From concept to completion, we manage every detail with precision to ensure a seamless transformation of your living space.

Home Renovation Services Project - Chrysalis Construction

We create modern, functional kitchens that maximize space, storage, and style. Whether it’s a full redesign or a targeted upgrade, our team ensures the heart of your home reflects your vision.

Bathroom Remodeling - Chrysalis Construction

Our bathroom renovations combine comfort, elegance, and practicality with high-quality finishes and thoughtful layouts. We turn outdated bathrooms into spa-like retreats tailored to your routine.

Basement Finishing - Chrysalis Construction

Unlock your home’s potential with fully finished basements designed for living, working, or entertaining. We handle everything from insulation and flooring to custom layouts that meet your goals.

Deck And Outdoor Additions - Chrysalis Construction

Enhance your outdoor living with custom decks, patios, and exterior upgrades built to last. Our designs blend durability and aesthetics to expand your home’s usable space year-round.

Home Additions - Chrysalis Construction

From new rooms to expanded living areas, we build home additions that integrate seamlessly with your existing structure. Every addition is designed to add long-term value, function, and comfort.

Attached Or Detached Garages - Chrysalis Construction

We construct custom garages that match your home’s architecture while adding practical space for vehicles, storage, or workshops. Whether attached or detached, our solutions are tailored to your needs and property layout.

Dwelling To Duplex/triplex Conversions - Chrysalis Construction

Convert your single-family home into a legal duplex or triplex with our end-to-end design and construction services. We ensure code compliance, maximize rental potential, and help you generate long-term income.

Trusted by Many, Proven by Results.

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Our Process

Our Step-by-Step Home Renovation &
ADU Construction Process

With over two decades construction experience, our streamlined construction process allows you to walk through the door of your ADU within 3-4 months.

With over two decades construction experience, our streamlined construction process allows you to walk through the door of your ADU within 3-4 months.

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Our Work Speaks for Itself

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FAQs

Home Renovation & ADU Construction FAQs – Your Questions Answered

1. How long does a typical home renovation take?

Timelines vary based on the scope of the project, but most renovations range from a few weeks to several months. We’ll provide a detailed schedule and keep you updated at every stage to ensure everything stays on track.

2. Do I need permits for my renovation?

Permit requirements depend on the type of renovation. Chrysalis Construction handles all necessary paperwork and works with local municipalities to ensure full compliance with zoning and building codes when permits are required.

3. Can I live in my home during the renovation?

In many cases, yes. For larger or more disruptive projects, we’ll help you evaluate whether temporary relocation makes sense, and we’ll do everything we can to minimize disruption to your daily life.

4. How do you handle budgeting and unexpected costs?

We provide transparent quotes and detailed estimates before the project begins. If anything unexpected arises, we’ll communicate clearly and work with you to make informed decisions that align with your budget.

5. Do you help with design or just the construction?

We offer both! Our team includes experienced designers who can help you plan layouts, choose materials, and bring your vision to life, ensuring the renovation is both functional and visually cohesive.

An ADU (Accessory Dwelling Unit) is a secondary residential unit on your property, such as a garden suite, laneway house, or basement apartment. Whether you can build one depends on local zoning bylaws—our team will assess your property and handle all approvals for you.

2. How much does it cost to build an ADU?

Costs can vary depending on the size, design, and location, but most ADUs range from $150,000 to $300,000+. We provide a detailed quote upfront and work with you to align the design with your budget and goals.

3. How long does it take to complete an ADU project?

From initial planning and permits to final construction, most ADUs take between 4 to 8 months. We manage the entire process to ensure your project moves efficiently and stays on schedule.

4. Can I rent out my ADU once it's built?

Yes, ADUs are a great source of rental income. Many homeowners earn up to $2,400 per month by renting their ADU, and we can even assist in helping you find a tenant if needed.

5. What services do you provide as part of ADU construction?

Chrysalis Construction offers a complete turnkey solution, from design, permitting, and financing support to full construction and finishing. We manage everything so you don’t have to coordinate with multiple contractors.