Step-by-Step Loan Process

10 steps to getting your home upgraded

Step 1

Get Started and Connect with your Energy Coach

Fill in our short registration form to confirm your initial eligibility. This will connect you with an Energy Coach who will be available at no cost to help you throughout the process.

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Step 2

Complete the loan application

It will take 5-10 business days to process your application.

A person working on a laptop
Step 3

Receive notice that you are ready to proceed

You and your property have qualified for the program. You have 60 days to plan your project.

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Step 4

Get an energy assessment from an Energy Advisor

These EnerGuide assessments determine your home’s energy rating and provide you with tailored recommendations for the most cost-effective upgrades for your specific home.

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Step 5

Collect contractor quotes and submit a funding request form

Your Energy Coach can help you select upgrades and contractors and complete your form. Allow up to 10 business days to process your funding request.

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Step 6

Sign the Property Owner Agreement with the Region of Waterloo

This will allow you to receive 40% of project costs to help you cover the up-front costs of the renovation. Allow 2-4 weeks to receive your initial payment.

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Step 7

Get your upgrades installed

You have 12 months to complete your upgrades. Remember to keep all of your receipts. Expenses without receipts can’t be financed.

Insulation being installed in a wall
Step 8

See what you’ve saved

Complete a post-upgrade home energy assessment to confirm your energy savings.

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Step 9

Submit a Project Completion Report

This includes your receipts and will allow you to receive the remainder of your project costs. Allow 2-4 weeks to receive your final payment.

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Step 10

Repayment

Repay your RetrofitWR loan through convenient monthly installments included directly on your GrandBridge Energy bill. Your loan installment amount will be automatically withdrawn through pre-authorized payments. Any eligible RetrofitWR incentives you qualify for will be applied to reduce the total amount financed before repayment begins, lowering the amount you repay over time. You also have the flexibility to pay off your remaining loan balance at any time without penalty.

Want to learn more? We’ll be happy to answer any of your questions.