London, Ontario homeowners have access to several active rebate and financing programs for insulation upgrades in 2026. The maximum stack — Enbridge HER+ rebates plus the Canada Greener Homes interest-free Loan — can offset $1,000–$3,000+ on a spray foam project, and the Greener Homes Loan effectively lets you finance the entire job at zero interest for 10 years.
Here's what's actually active for London homeowners, what spray foam qualifies for, and how to navigate the application process.
| Program | Value | Status |
|---|---|---|
| Enbridge HER+ — Attic Insulation | Up to $750 | Active |
| Enbridge HER+ — Basement/Exterior Wall Insulation | Up to $1,000 | Active |
| Canada Greener Homes Loan | Interest-free loan up to $40,000 | Active |
| Canada Greener Homes Grant | Up to $5,000 for insulation | Closed Feb 2024 |
| Ontario Renovates (Middlesex County) | Up to $25,000 (income-tested) | Active — income-gated |
London homes are served by Enbridge Gas for natural gas distribution. If your home uses natural gas for heating — true for most London homes built before 2000 — you qualify for Enbridge's HER+ program.
HER+ rebates are based on insulation type and location, not on spray foam specifically. The rebates are calculated per effective R-value improvement:
London-specific note: London is served by Enbridge Gas (formerly Union Gas) — not by Enbridge-branded utilities in other provinces. Make sure you're accessing the Enbridge Gas HER+ program, which covers London and most of Southern Ontario, not the Alberta Enbridge programs that sometimes appear in search results.
The Canada Greener Homes Loan provides interest-free financing up to $40,000 for qualifying energy efficiency retrofits, repayable over 10 years. Unlike the Greener Homes Grant (which closed in February 2024), the Loan program is still accepting applications.
For a $6,000 spray foam rim joist and basement wall project: the Loan effectively costs $600/year for 10 years with zero interest — while you're collecting $400–$800/year in heating savings from day one. This is a financially compelling case even without counting the Enbridge rebate on top.
Ontario Renovates is an income-tested program delivered through Middlesex County and the City of London. Eligible homeowners can access up to $25,000 in forgivable loans (forgiven over 10 years if you remain in the home) for energy efficiency upgrades including insulation.
Income limits apply — contact Middlesex County Housing at 519-434-7321 or the City of London's housing services for current eligibility thresholds. This program is specifically designed for lower-income homeowners and the funding is limited; apply early in the year.
London falls in Ontario Climate Zone 6. Gas heating is the dominant system in London's older housing stock. In this context, spray foam ROI in specific applications stands on its own even before rebates:
Heating cost reduction: $300–$600/year. Payback: 3–6 years. With Enbridge HER+ rebate: potentially 2–4 years. Permanent — doesn't degrade or settle.
Heating cost reduction: $400–$900/year. Payback: 5–10 years. With rebate stacking: 4–7 years. Also dramatically reduces basement humidity, improving air quality and reducing mold risk.
Heating cost reduction: $500–$1,200/year. Payback: 3–7 years. Highest-volume retrofit in London. HER+ rebate up to $750 brings payback closer to 3–4 years.
Natural gas context: London's natural gas rates are delivered by Enbridge Gas (Union Gas distribution territory). Current natural gas prices make insulation paybacks more favourable than they were when gas was cheaper — energy efficiency retrofits offer real protection against future rate increases.
We'll tell you exactly what your London home qualifies for and how to navigate the application process alongside your project.
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