Canada’s plan to combat climate change risks leaving the middle class behind

Until Oct. 1, 2025, the Canada Greener Homes Loan program helped over 120,000 households finance heat-pump retrofits with zero-percent loans, turning a typical $15,000 upgrade into manageable $125 monthly payments. Now that option is gone. Support has shifted to income-based rebates, cutting out most middle-income families despite 76 per cent of Canadians saying they need government help to make clean energy upgrades.