In a country where the cost of living keeps climbing like a determined hiker on the Rockies, finding ways to stretch your dollars can feel like an extreme sport. While many Canadians know about big-name benefits such as GST/HST credits or child tax benefits, there’s a treasure trove of smaller, lesser-known grants and rebates quietly waiting to be claimed. Here are 22 little-known Canadian grants and rebates you can still get.
Home Accessibility Tax Credit (HATC)
This federal program provides a non-refundable tax credit for expenses related to making your home more accessible for seniors or individuals with disabilities. Eligible renovations can include installing wheelchair ramps, modifying bathrooms, widening doorways, or adding handrails. The credit can be claimed for up to $10,000 in qualifying expenses per year, translating into a maximum of $1,500 in tax savings. Importantly, these renovations must improve accessibility or safety, not simply upgrade aesthetics.
Canada Greener Homes Grant
Designed to encourage energy-efficient home upgrades, this grant offers up to $5,000 for eligible retrofits, such as better insulation, high-efficiency windows, or renewable energy installations like solar panels. In addition, up to $600 is available for a home energy audit, which is required before and after the work. The program aims to cut greenhouse gas emissions while lowering utility bills. While funding is still active, demand has been high, so applications should be submitted promptly. The process requires using a registered energy advisor to ensure the improvements meet program standards. Not to mention, this grant pairs well with provincial or municipal incentives, potentially stacking your savings.
Apprenticeship Incentive Grant (AIG)
The AIG is a taxable cash grant aimed at first- and second-year apprentices in Red Seal trades, offering $1,000 per year for up to two years. The goal is to attract and retain skilled workers in industries facing labour shortages, from electricians and plumbers to chefs and heavy-duty mechanics. Applicants must be registered apprentices with an approved program and meet specific training progress requirements. Also, the program not only supports individuals but also helps strengthen Canada’s skilled trades sector, which is essential for economic stability and infrastructure development.
Ontario Seniors’ Home Safety Tax Credit
A provincial measure for Ontario residents, this refundable credit offers up to 25% back on eligible home safety expenses for seniors, capped at $10,000 in costs per year. That means a maximum credit of $2,500. Qualifying renovations include installing grab bars, non-slip flooring, stair lifts, or other safety-focused modifications. Unlike some non-refundable credits, this one benefits seniors even if they owe little or no income tax. The program is particularly valuable for those wishing to age in place rather than move into assisted living facilities. And, despite its generous structure, many eligible Ontarians overlook it.
Canada Student Grant for Full-Time Students
This federal grant supports students from low- and middle-income families who are pursuing full-time post-secondary studies. Eligible students can receive up to $4,200 per year, depending on financial need, family income, and province of residence. Unlike student loans, this money does not need to be repaid, making it a vital tool for reducing reliance on debt. The grant is automatically assessed when students apply for government student aid, so there’s no separate application process. However, many students miss out by failing to complete the full application for student financial assistance, assuming they won’t qualify.
EcoAction Community Funding Program
Run by Environment and Climate Change Canada, this program provides funding to non-profit organizations for local environmental projects. Grants typically range from $25,000 to $100,000, covering up to half of eligible project costs. Projects must have measurable, positive impacts on the environment, such as reducing pollution, protecting habitat, or promoting sustainable practices. Community engagement is a major component, meaning projects should involve local volunteers or partnerships. Applications require a detailed proposal outlining objectives, timelines, and anticipated environmental benefits.
Scientific Research and Experimental Development (SR&ED) Tax Incentive
This federal program is one of the largest sources of government support for innovation in Canada, offering tax credits and refunds to businesses conducting eligible research and development. Both small and large companies can benefit, with small Canadian-controlled private corporations (CCPCs) receiving up to 35% of qualifying expenses as a refundable credit. The challenge, however, lies in accurately documenting the work and proving it meets the criteria for scientific or technological advancement. Many businesses use consultants to maximize claims, but smaller firms can apply directly through the CRA. Even unsuccessful experiments can qualify if they aim to resolve technological uncertainties.
Low Carbon Economy Fund – Champions Stream
Part of Canada’s climate action strategy, this fund supports large-scale projects that reduce greenhouse gas emissions. The Champions stream targets municipalities, Indigenous communities, non-profits, and private-sector organizations, with funding covering up to 25% of eligible project costs. Projects could include energy efficiency retrofits for large buildings, industrial process improvements, or renewable energy installations. Grants often range from hundreds of thousands to several million dollars, but applications must include robust environmental and financial plans.
Canadian Film or Video Production Tax Credit (CPTC)
Aimed at supporting Canadian content creation, the CPTC offers a refundable tax credit of up to 25% of qualified labour costs for eligible productions. To qualify, productions must meet Canadian content certification requirements, which involve criteria for key creative roles, production location, and ownership. The credit applies to feature films, documentaries, and certain television programs. For smaller studios and independent filmmakers, this can significantly offset payroll expenses. Also, the CPTC has helped countless Canadian productions compete internationally, and with the growth of streaming platforms, opportunities for qualifying projects have expanded.
First-Time Home Buyer Incentive (FTHBI)
This federal program provides eligible first-time buyers with a shared-equity mortgage, reducing the size of their monthly payments without adding to their debt load in the traditional sense. The government contributes 5% or 10% of the home’s purchase price, which is repaid when the home is sold or after 25 years. The incentive applies to newly built homes, resale properties, and new or resale mobile/manufactured homes. While it doesn’t reduce the purchase price, it lowers monthly mortgage payments, which can make homeownership more accessible. Many overlook it because repayment is tied to the property’s fair market value, meaning if the home’s value increases, the amount owed to the government also rises.
Canada Council for the Arts – Explore and Create Grants
This grant stream supports artists, collectives, and organizations in developing new creative works. Funding covers research, creation, and initial production stages across disciplines, including visual arts, music, theatre, dance, and literature. Amounts vary widely depending on project scope, ranging from a few thousand to over $50,000. Applications require a clear artistic vision, work plan, and budget. However, many assume only established names qualify, but the council specifically encourages early-career applicants. Successful proposals often demonstrate both artistic merit and a thoughtful plan for audience engagement or community connection.
Ontario Energy and Property Tax Credit
This provincial refundable credit helps low- to moderate-income Ontario residents with property taxes and energy costs. The maximum annual credit is up to $1,194 for individuals under 65 and $1,360 for those 65 or older. Eligibility is based on income, age, and whether you pay rent or property tax. It’s claimed as part of the Ontario Trillium Benefit, which also includes other tax credits, and payments can be received monthly or as a lump sum. Many tenants don’t realize they qualify, thinking the credit is only for homeowners. Also, applications are made through your income tax return, so no separate paperwork is needed, but accurate reporting of rent or property tax payments is crucial.
Indigenous Skills and Employment Training Program (ISET)
ISET funds organizations that deliver skills training and employment support to Indigenous peoples across Canada. The program supports career services, apprenticeships, wage subsidies, and job placement in a wide range of sectors. Funding is directed through regional and community organizations, allowing for programs tailored to local labour market needs. Participants can receive assistance with tuition, equipment, childcare, and transportation. The goal is to improve employment outcomes and help participants secure long-term, sustainable work.
Manitoba Hydro Power Smart Programs
Manitoba Hydro offers a suite of incentives under its Power Smart banner, targeting energy efficiency in homes and businesses. Programs have included rebates for upgrading to high-efficiency furnaces, insulation improvements, LED lighting, and even geothermal heat pumps. While individual rebates may seem modest, combining them can yield substantial savings on both upfront costs and long-term utility bills. Business customers can also access incentives for process efficiency and custom energy solutions. However, the offerings change over time, so checking the utility’s website regularly is important.
Canada Emergency Business Account (CEBA) Loan Forgiveness
Although the CEBA program is closed to new applicants, existing borrowers can still benefit from its partial loan forgiveness if they repay the balance by the specified deadline. Up to $20,000 of the loan can be forgiven, depending on the amount borrowed. This feature is designed to help small businesses and non-profits recover from pandemic-related revenue losses. But many recipients are unaware of the exact repayment deadlines or forgiveness conditions, risking the loss of this benefit. Also, repayment can be made in lump sums or instalments, but missing the deadline converts the loan into a regular term loan with interest.
BC Home Renovation Rebate Program
Offered jointly by BC Hydro and FortisBC, this program provides rebates for energy-efficient home upgrades, including insulation, heat pumps, windows, and high-efficiency water heaters. Rebate amounts vary depending on the measure, with some incentives exceeding $2,000. Homeowners can also access bonus rebates for completing multiple upgrades at once. Applications must include invoices and, in some cases, pre- and post-installation photos. The program is particularly valuable in British Columbia’s varied climate, where heating and cooling efficiency can have a major impact on utility costs. Combining this program with federal incentives, such as the Canada Greener Homes Grant, can significantly offset renovation expenses.
Newfoundland and Labrador Student Loan Forgiveness Program
This provincial program forgives a portion of student loans for eligible graduates who remain in the province after completing their studies. Depending on the amount borrowed, up to 100% of the provincial portion can be forgiven over a set repayment period. The aim is to retain skilled graduates and encourage them to contribute to the local economy. Eligible applicants must reside and work in Newfoundland and Labrador, and forgiveness is applied annually as a percentage of the remaining balance. Plus, it’s particularly valuable for graduates in high-demand fields such as healthcare, engineering, and skilled trades.
Alberta Investor Tax Credit (AITC)
The AITC encourages investment in eligible Alberta small businesses by offering a 30% refundable tax credit to investors. Businesses must operate in sectors with high growth potential, such as tourism, clean technology, and information technology. The credit is available to individuals, corporations, and certain trusts, with an annual maximum claim amount. Investors benefit directly from the credit, while small businesses gain access to much-needed capital. This program is particularly attractive for angel investors looking to support early-stage companies while reducing their tax burden.
Saskatchewan Commercial Innovation Incentive (SCII)
Known informally as the “Patent Box,” this incentive reduces the provincial corporate tax rate on income earned from the commercialization of qualifying intellectual property to as low as 6%. The goal is to encourage companies to develop and retain IP in Saskatchewan rather than relocating to jurisdictions with lower tax rates. Eligible IP includes patents, plant breeders’ rights, and certain copyrighted software. Businesses must demonstrate that the IP was developed in the province and is actively generating revenue.
Nova Scotia Film and Television Production Incentive Fund
This provincial program offers grants to eligible productions filming in Nova Scotia, covering a portion of local costs such as labour, goods, and services. The base rate is a percentage of eligible costs, with bonuses for filming outside the Halifax area or using local talent. The fund aims to stimulate economic activity in the province’s creative sector while promoting Nova Scotia as a filming destination. It’s open to both domestic and international productions, though projects must meet minimum spending requirements. This incentive has played a role in attracting major film and TV projects to the province in recent years.
Yukon Business Development Program
Offered through the Yukon government, this program provides funding to help local businesses grow, innovate, or improve competitiveness. Grants can cover activities such as market research, product development, equipment purchases, and business planning. While funding amounts vary, the program often covers a significant portion of eligible costs, reducing the financial risk of pursuing new opportunities. Priority is given to projects that create jobs, diversify the economy, or open new markets. Many small business owners in the Yukon are unaware of the program’s breadth, assuming it’s limited to certain sectors.
Nunavut Harvesters Support Program
Administered by the Government of Nunavut, this program supports traditional harvesting activities such as hunting, fishing, and gathering by providing grants for equipment, safety gear, and transportation. It aims to preserve cultural practices, improve food security, and promote self-sufficiency in remote communities. Eligible applicants include individual harvesters and community organizations. Funding can cover items such as boats, snowmobiles, rifles, and nets, as well as maintenance and repair costs. While primarily targeted at Inuit harvesters, the program also supports training initiatives to pass skills to younger generations. Applications are typically made through local Hunters and Trappers Organizations, which can also guide eligibility and paperwork.
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