October 2026 heat pump program checks

The timing rule that matters

The mandatory milestone is HRS pre-installation approval. The official heat pump page says installations completed before approval are not eligible. This guide removes the earlier unsupported November deadline and expired contractor-registration statement; check current intake directly.

Two distinctions older summaries missed

Rental heat pumps have different caps from purchased equipment. Ontario oil-heating support uses a direct-install program rather than a guaranteed combined cash rebate. Both distinctions can change the budget more than the headline maximum.

Financing has changed

New Canada Greener Homes Loan applications closed October 1, 2025. If a quote includes that loan as newly available funding, ask for an updated finance plan before signing.

HRS | Ontario OHPA route | Federal loan closure

Program sources checked October 4, 2026. The program administrator decides eligibility; confirm current terms before ordering equipment.