Confidence: Verified for current program status of Guelph Greener Homes, BetterHomes London, and absence of programs in the remaining counties. Uncertain for RetrofitWR and Brantford energy retrofit (both pre-launch as of May 2026). Re-verify Spring 2026 launch programs at their official portals before sales conversations.

Scope

This entry covers all currently-known municipal financing and rebate programs for residential heating retrofits in B&J's nine-county service area: Waterloo, Wellington, Perth, Oxford, Middlesex, Brant, Huron, Norfolk, and Bruce counties.

Headline finding

Three of B&J's nine counties have or will soon have municipal financing: Guelph (Wellington), City of London (Middlesex), and Waterloo Region (RetrofitWR — still in design). The other six counties (Perth, Oxford, Brant outside Brantford, Huron, Norfolk, Bruce, and Wellington outside Guelph) have no county-level retrofit financing programs.

For the majority of B&J's customer base — rural and small-town SWO — the only available rebate vehicles are provincial HRS and federal OHPA (oil-to-heat-pump only).

City of Guelph (Wellington County)

Guelph Greener Homes Program — ACTIVE, loan stream waitlisted

The Guelph program is scoped to electrification and envelope work — propane and oil furnaces are not eligible. Hybrid heat-pump installations alongside a propane conversion can qualify for the heat-pump portion only.

City of London (Middlesex County)

BetterHomes London — LAUNCHED / LAUNCHING SPRING 2026

Action item: Verify launch status and exact interest rate at betterhomeslondon.ca before any London-region sales conversation that mentions the program.

Waterloo Region (Cambridge, Kitchener, Waterloo, Wellesley, Wilmot, Woolwich, North Dumfries)

RetrofitWR — IN DESIGN, NOT YET LAUNCHED

City of Brantford (Brant County)

Brantford Energy Retrofit Program — PLANNED, NOT YET LAUNCHED

Ontario Renovates (Brantford / Brant — income-restricted) — ACTIVE

This is the one program in B&J's service area under which a propane or oil furnace replacement may be funded — strictly for the lowest-income Brantford-area customers, and only when an existing furnace is deemed an essential health-and-safety repair. Refer customers who appear to meet the income caps to the City of Brantford housing services for the application.

Counties with no current program

For customers in these counties, all rebate pathways flow through provincial HRS (reg-ontario-home-renovation-savings-program-2026) and, for income-qualified oil-heated households, the IESO Energy Affordability Program (reg-ieso-energy-affordability-program-2026).

Sales takeaways

1. Outside Guelph, London, and the income-restricted Brantford slice, no municipal financing supports residential heating retrofits in B&J's footprint.
2. Even where municipal financing exists, it does not pay for a propane or oil furnace — it finances heat pumps and envelope upgrades. The hybrid heat-pump pathway (propane furnace + ccASHP) lets customers in Guelph or London capture some municipal financing alongside HRS for the heat-pump portion.
3. Re-check Spring 2026 launch status quarterly for BetterHomes London, RetrofitWR, and the Brantford energy retrofit program. Add a quarterly tickler.

Sources

• City of Guelph Greener Homes Program portal
• City of London newsroom releases (BetterHomes London launch announcement)
• Region of Waterloo TransformWR climate plan and RetrofitWR program design materials
• City of Brantford housing services (Ontario Renovates intake)
• FCM Green Municipal Fund project announcements