Home Renovation Grants and Tax Credits in Manitoba

Renovation help in Manitoba changed a lot between 2024 and 2026. Well-known federal programs closed, a promised federal suite loan was dropped, and the help that remains mostly comes through your tax return, Efficiency Manitoba, Manitoba Hydro or your mortgage lender. Here's where things stand, with a link to the official page for each program.

Which renovation programs are open in Manitoba?

As of October 13, 2026, the programs below are listed as available on their official pages. Each has its own eligibility rules, and the Efficiency Manitoba rebates and the Manitoba Hydro loan need approval before you buy materials or start work. Amounts are what each program publishes; what you receive depends on your project and tax situation.

Status as published on each official page on the checked date. Interest rates are not shown; ask Manitoba Hydro for current loan terms.

How does the Multigenerational Home Renovation Tax Credit work?

It's a refundable federal credit for building a self-contained secondary unit, such as a basement suite, so a senior or an adult who is eligible for the disability tax credit can live with a relative. You can claim up to $50,000 of qualifying costs per completed renovation, in the tax year the renovation is finished.

CRA's page for the 2025 tax year lists the credit at 14.5%, or up to $7,250 per claim. Federal credit rates moved with the 2025 and 2026 income tax changes, so check CRA's page for the year you file. The renovation period ends when the work is complete, for example when it passes final inspection, which is one more reason to have the permit in place.

You can't claim the same expense under more than one credit, and expenses are reduced by any related assistance you receive. If you're planning a suite, read our guide to secondary suite rules in Winnipeg before you design it, and see how we approach basement development.

What counts for the Home Accessibility Tax Credit?

Renovations that help a senior or a person eligible for the disability tax credit get into and move around their home, or that reduce the risk of harm, can qualify. CRA's examples include wheelchair ramps, walk-in bathtubs, wheel-in showers and grab bars. Up to $20,000 of eligible expenses can be claimed per year, and that cap applies per home when more than one person qualifies.

• Usually eligible: paid work by an electrician, plumber, carpenter or architect, plus building materials, fixtures, equipment rentals, building plans and permits.
• Not eligible: household appliances, routine repairs and maintenance, financing costs, items that won't become a permanent part of the home, and renovations made mainly to increase the home's value.

CRA's page for this credit says an expense that also qualifies as a medical expense can be claimed under both credits, but Budget 2025 proposed ending that double claim from the 2026 tax year, so ask your accountant which rule applies to the year you file. If you're planning a bathroom for aging in place, talk the layout through at the on-site visit for your bathroom renovation.

Which Efficiency Manitoba rebates fit a renovation?

Insulation, windows and doors, and deep energy retrofits are the rebates most likely to line up with a renovation. The catch is timing: Efficiency Manitoba wants approval before you buy materials or start work, including removing drywall, stucco or old insulation. Plan the rebate into the schedule at the quote stage, not after demolition.

A pre-retrofit EnerGuide evaluation, which has its own $400 rebate, is recommended for planning and required for the Home Energy Retrofits offer and the insulation air-sealing bonus. Insulation must be bought through a registered contractor or retailer, who starts the application. Our guide to insulation rebates during a renovation walks through the order of steps, and the window and door replacement guide covers triple-pane upgrades.

Which renovation programs are closed?

The Canada Greener Homes Grant and Canada Greener Homes Loan are closed, the City of Winnipeg's Basement Flooding Protection Subsidy hasn't been funded since 2017 and was cancelled, and the Canada Secondary Suite Loan Program will not be launched. If a website or salesperson presents any of these as available today, treat the rest of their information with caution.

Backwater valves and sump pits are still worth considering in a basement project, just without the City subsidy; see our guide to basement flood protection in Winnipeg. For suites, CMHC-insured refinancing is the federal measure that did go ahead, and our home renovation financing guide explains how it works.

What about commercial renovations?

The programs above are aimed at homeowners. Businesses usually handle renovation costs through their own tax and financing planning, so ask your accountant how a fit-up is treated for your business before you commit. Our guide to financing a commercial renovation covers the main options.

How do you avoid losing a rebate or tax credit?

Most lost rebates come down to timing or paperwork, not eligibility. Get any required approval before buying materials or opening walls, use registered contractors where a program requires them, keep every invoice, and make sure permits and final inspections are done. A few minutes of checking at the quote stage protects the claim:

• Apply and get approval before you buy materials or start work, for Efficiency Manitoba rebates and the Manitoba Hydro loan.
• Use a registered contractor or retailer where the program requires one.
• Keep every invoice and receipt, with the work and the address described.
• Make sure permits are in place and inspections are passed, since completion is often marked by the final inspection.
• Don't count the same expense twice across federal credits, and ask your accountant before filing if more than one family member is claiming.

Next step

Planning a suite, an accessible bathroom or an energy upgrade? Bring your rebate questions to a free on-site visit so any pre-approval steps can be timed before work starts; you'll get a free written quote afterwards. For a first number, try our instant renovation estimate.