Federal Home Renovation Tax Credits

Federal Home Renovation Tax Credits has introduced several tax benefits to homebuyers over the years, like the Federal Home Renovation Tax Credit (HRTC), which only lasted for the 2009 tax year. Today, there’s one federal home renovation tax credit still available:

Federal Home Accessibility Tax Credit (HATC)      

If your home requires renovations to accommodate a senior or disabled resident’s accessibility needs, you can claim some of the associated costs on your taxes using the Federal HATC; a non-refundable tax credit created in 2016.

Federal Home Renovation Tax Credits

Who Is Eligible For The HATC?

As with all Canadian tax benefits, applicants and their homes must pass certain requirements to obtain the Federal Home Accessibility Tax Credit:

Qualifying Individuals – To qualify, you must be at least 65 years old or hold a valid disability tax certificate or be supporting a qualifying individual. If you’re 18 or over, you can claim the amount for an eligible dependent, caregiver amount or amount for infirm dependents age 18 or older on behalf of a qualifying person.

Qualifying Renovations – For renovations to qualify, they must have been installed for the 2016 tax year or later and altered the dwelling in a necessary way. This means alterations have to be permanent fixtures that improve mobility, accessibility and/or safety for the qualifying individual, like:

  • Bathroom fixtures (walk-in bathtubs, wheel-in showers, etc.)
  • Handrails and grab bars
  • Wheelchair ramps and widened doorways
  • Adjustable fixtures (cabinets, counters, etc.)
  • Elevators and lifts

Federal Home Renovation Tax CreditsHowever, the Federal Home Accessibility Tax Credit cannot be claimed if the expenses aren’t integral to the enduring nature of the qualifying individual’s property, such as:

  • Household appliances
  • Home-entertainment equipment
  • Housekeeping costs
  • Routine home maintenance and repairs
  • Security monitoring and other similar services

Note: The expenses above are more or less the same for both federal and provincial home renovation tax credits. Basically, most necessary/permanent costs will qualify and unnecessary/semi-permanent ones probably won’t.

How Much Can You Claim With The HATC?

Under the terms of the Federal Home Accessibility Tax Credit, qualifying individuals can claim up to $10,000 of total eligible expenses annually for 2016 or subsequent years, which leads to a maximum non-refundable tax credit of $1,500 ($10,000 x 15%).Federal Home Renovation Tax Credits

You can claim the HATC by filing in Line 31285 of your federal tax return and completing “schedule 12” for Home Accessibility Expenses for your province (in Quebec, it’s called Home Support Services for Seniors). Keep in mind that if you perform the renovations yourself, you can only claim the supply expenses, not the professional labour costs.

  • Multiple Credits – Some accessibility devices count as medical costs, so you might be able to get double, even triple this tax credit (up to 3 times yearly) by claiming the HATC and the renovation as an eligible medical expense. In places like New Brunswick and British Columbia, you can get a provincial tax credit too.

Federal Home Renovation Tax CreditsExample: A home requires bathroom improvements to help a senior in British Columbia. As a qualified individual, they can get up to 3 tax credits and, if the renovation costs total out at $10,000, here’s how the credit is broken down:

  • $10,000 in medical expenses (federal and provincial credits).
  • $1,500 ($10,000 x 15%) yearly federal credit from the HATC.
  • $1,000 ($10,000 x 10%) yearly provincial credit from the British Columbia Home Renovation Tax Credit For Seniors and Persons With Disabilities.

Alternative Financial Assistance Programs For Those With A Disability

Federal Home Renovation Tax Credits

When filing your income taxes, remember to check if your province or territory offers other tax credits for eligible residents and properties, like these programs:Provincial Home Renovation Tax Credits 

BC Home Renovation Tax Credit For Seniors and People With Disabilities – Refundable

This benefit offers eligible BC residents a yearly tax credit to cover the cost of acceptable permanent home renovations. The program began in 2012 for seniors and their families, until it was extended to disabled persons (and their families) in 2016.

Who Is Eligible?

To qualify for the B.C. Home Renovation Tax Credit For Seniors and Persons With Disabilities, you must be:

  • A resident of B.C. on the last day of the tax year.
  • A senior (age 65+) or disabled person, during which an eligible cost was paid toward a qualifying renovation of your primary residence.
  • Or, a qualifying relation of a senior/disabled person, during which a cost was paid toward an eligible renovation of their primary residence.

To be considered a “qualifying relation” of a senior or disabled resident, you must be their child, grandchild or a family member living with them. Although cousins and other distant relatives may not qualify, eligibility could be extended to:

  • Grandparents
  • Nieces & nephews
  • Siblings
  • Aunts & uncles
  • Other descendants
  • In-laws of qualifying relations

How Much Can You Claim?

This B.C. Home Renovation Tax Credit lets you claim up to 10% of permanent home renovation expenses (incurred on or after April 1st, 2012), to a maximum of $1,000 per year and $10,000 total. Like with the Federal Home Accessibility Tax Credit, you can also claim some renovations as medical costs to get another provincial credit.

New Brunswick Seniors’ Home Renovation Tax Credit – Refundable

Following a provincial budget announcement in 2015, qualified New Brunswick seniors and relatives/caregivers can now claim a refundable credit of 10% annually to cover eligible expenses they’ve taken on while renovating their primary residence.     

Who Is Eligible?

Approval for the New Brunswick Seniors’ Home Renovation Tax Credit is not based on an applicant’s income level. It’s available to anyone who:

  • Is a resident of NB and at least 65 years old.
  • Or, is living with or expecting to live with a qualifying senior family member.
  • Has paid or incurred eligible renovation costs during the current tax year toward their (or their senior family member’s) primary residence or the land it’s on.

How Much Can You Claim?

Eligible residents can claim up to $1,000 a year (10%) to a total of:

  • $10,000
  • Or, the total amount of expenses that you or someone on your behalf has incurred following the renovation of their primary residence (whichever is less).

Ontario Seniors’ Home Safety Tax Credit – Refundable

Introduced by the Ontario 2020 Budget, this refundable tax credit was only supposed to be for the 2021 tax year. However, the 2021 Ontario Economic Outlook and Fiscal Review has asked for the program to be extended to 2022 (featuring the same rules).

Who Is Eligible? 

Similar to other home renovation tax benefits in Canada, the Ontario Seniors’ Home Safety Tax Credit is not dependent on your income. To qualify, you must:

  • Be a senior (65+) Ontario homeowner or renter at the end of the taxation year during which eligible costs were paid or became payable (2021 currently).
  • Or, be a qualifying relation living with an Ontario senior, as described in section 251(6) or 252(2) of the Federal Income Tax Act.

How Much Can You Claim?

As a qualifying participant of the Ontario Seniors’ Home Safety Tax Credit, you can claim up to $2,500 annually (25% of a maximum of $10,000 in eligible expenses) for renovations to an eligible senior’s home or property. The full credit can be shared by multiple applicants living in the same residence or claimed by one individual.

Eligible costs shall be reduced according to how they are reimbursed (or are expected to be reimbursed) by a provincial, federal or municipal government. You can claim this credit if the renovation was made to your primary residence within 24 months after the end of 2021 (this includes your share of upgrades done by your condo corporation).

Saskatchewan Home Renovation Tax Credit 

This non-refundable provincial credit was created by Saskatchewan’s Bill 1, The Income Tax (Strong Recovery Home Renovation Tax Credit) Amendment Act, 2020. It’s now administered by the Canada Revenue Agency (CRA) as part of Saskatchewan’s personal income tax system. Up to 10.5% be claimed for the 2021 and 2022 tax years.

Who Is Eligible?

Like other tax credits, qualifying renovations must be made to an applicant’s primary Saskatchewan residence or the property it’s on. That said, the Saskatchewan Home Renovation Tax Credit isn’t just available to residents who are elderly or disabled.

As such, requirements are different:

  • You, your spouse, or common-law partner and any children under the age of 17 (yours or theirs) must regularly inhabit the home/property during the eligibility period. The total allowable credit can be divided among family members.
  • Any expenses you wish to claim must have been incurred between October 1, 2020, and December 31, 2022. Additionally, the renovation(s) must be mostly completed by no later than December 31, 2022, to qualify.
  • Those renovations must be of a permanent nature, as well as imperative to the home or land surrounding it. A plot of one-half hectare (1.24 acres), including the home and adjoining land, may also be considered eligible.
  • While the renovations are underway, you must own the home (alone/jointly) or a share of the capital stock of a cooperative housing corporation that you obtained for the legal right to live in a housing unit owned by said corporation.

How Much Can You Claim?

The Saskatchewan Home Renovation Tax Credit can only be claimed on your 2021 and 2022 personal income tax returns, for qualifying expenses in excess of a $1,000 base amount annually. The total credit you can claim depends on the tax year:

  • 2021 Provincial Tax Return – Up to $12,000 can be claimed for eligible costs incurred from October 1, 2020 to December 31, 2021. You can get a maximum credit of $1,155 ($11,000 x 10.5%).
  • 2022 Provincial Tax Return – If they exceed the base amount, a maximum of $10,000 in qualifying expenses can be claimed for the 2022 taxation year.

If you sell your home and buy a new one during an eligible period, renovations can be claimed for both dwellings to a maximum of $20,000 (each home must be your primary residence at the time). However, if you earn rental or business income from a dwelling, you can only claim expenses associated with personal areas (not tenant-related costs).

Financial Assistance Programs For Home Renovation In Quebec

While these programs aren’t tax credits technically, they are still government-run programs that provide financial assistance to those looking to make eco-conscious renovations to their homes.


Rénoclimat is a program offered by the Quebec government that provides homeowners with advice through a free home consultation. Ultimately, the goal is to improve the energy efficiency of your h

ome through the reduction of your energy consumption.

How To Take Part In Rénoclimat

  1. Call 1-866-266-0008 to schedule an appointment with an advisor in your area
  2. An advisor will come to your home and perform a pre-work energy evaluation of your home.
  3. Have the necessary work completed
  4. Set up a post-work appointment with your advisor
  5. Wait to receive your Rénoclimat financial assistance cheque in the mail 10 to 12 weeks after your post-work appointment.

Federal Home Renovation Tax Credits

Rénoclimat Financial Assistance Eligibility

There are four categories of work that are eligible for financial assistance:

  • Insulation work
  • Work on your home’s airtightness
  • Windows and doors
  • Mechanical systems
    • Ventilation system
    • Water heater
    • Heat pump
    • Geothermal heating system

Please visit the Rénoclimat webpage for more information about the program in general and further eligibility requirements.

Chauffez Vert

Chauffez Vert is another program offered by the Quebec government that provides financial assistance for energy efficiency projects that homeowners carry out on their homes. There are two types of work that are eligible for financial assistance under Chauffez Vert:

  • Replacement of an oil or propane heating system with a system powered by a renewable energy, such as electricity
  • Replacement of an oil or propane water heater with a water heater powered by a renewable energy, such as electricity

How To Take Part In Chauffez Vert

  1. Before starting, make sure you meet all the eligibility requirements.
  2. Have the work completed
  3. Gather all your necessary documentation and fill out and submit an application
  4. Your application will be review by the Chauffez Vert program administrators
  5. Wait to receive an email that notifies you of your eligibility
  6. If you are eligible for financial assistance, you’ll have to wait an additional four to six weeks to receive a cheque.

In order to participate in the Chauffez Vert program you need to complete and submit your application within six months of having the work completed.

Please visit the Chauffez Vert webpage for more information about the program in general and further eligibility requirements.

EcoSynthetix Reports Fourth Quarter and Fiscal 2015 Results

EcoSynthetix Reports Fourth Quarter and Fiscal 2015 Results

EcoSynthetix Reports Fourth Quarter and Fiscal 2015 Results:

EcoSynthetixBURLINGTON, ON, March 9, 2016 /CNW/ – EcoSynthetix Inc. (TSX: ECO) ("EcoSynthetix" or the "Company"), a renewable chemicals company that produces a portfolio of commercially proven bio-based products, today announced its financial and operational results for the three months and twelve months ended December 31, 2015. Financial references are in U.S. dollars unless otherwise indicated.

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FedDev Ontario Productivity Training Incentive

FedDev Ontario Productivity Training Incentive

FedDev Ontario Productivity Training Incentive has dedicated funding to established Ontario manufacturers looking to carry out in-house or third-party training projects that will lead to improved productivity and export sales performance.

FedDev Ontario

FedDev Ontario Productivity Training Incentive delivers programming to help create, retain and grow businesses, cultivate partnerships and build strong communities. This will support a strong southern Ontario economy and position the region to compete globally.

Up to $50,000 in non-repayable funding, with conditions, is available based on the business’s training topics, timelines, and budget. When the program is open, intake is typically continuous. When there are no funds available, applications will be placed on a waiting list.

Registered Disability Savings Plan

Registered Disability Savings Plan


 Registered Disability Savings Plan (RDSP) is a long-term savings plan to help Canadians with disabilities and their families save for the future. With written permission from the person who manages the Registered Disability Savings Plan (RDSP) , anyone may contribute any amount to the Registered Disability Savings Plan (RDSP) each year, up to the lifetime contribution limit of $200,000.

Registered Disability Savings Plan (RDSP)

The person with a disability for whom the Registered Disability Savings Plan (RDSP) is opened (the beneficiary) may also be eligible for grants and bonds to help with long-term savings.

The Canada Disability Savings Bond is money the Government deposits into the Registered Disability Savings Plan (RDSP) of modest-income Canadians. Beneficiaries who qualify for the Bond can receive up to $1,000 a year, depending on their family income. There is a limit of $20,000 over the beneficiary's lifetime. Bonds are paid into the RDSP until the end of the calendar year in which the beneficiary turns 49 years of age. Beneficiaries are eligible for the Bond even if no contributions are made to the RDSP.

The Canada Disability Savings Grant is money the Government deposits into Registered Disability Savings Plan (RDSP) to help people with disabilities save. The Government provides grants of up to 300 percent of contributions, depending on the amount contributed and the beneficiary's family income. The maximum grant is $3,500 each year, with a limit of $70,000 over the beneficiary's lifetime. Grants are paid on contributions made to the RDSP until the end of the calendar year in which the beneficiary turns 49 years of age.



Since launching the Registered Disability Savings Plan (RDSP) in 2008, over 100,000 plans have been opened across Canada, and the Government has contributed over $1 billion in bonds and grants into those RDSPs.

Labour Market Agreements for Persons with Disabilities

Labour Market Agreements for Persons with Disabilities (LMAPDs) are the single largest federal government investment in helping Canadians with disabilities get jobs. Currently, there are about 300,000 interventions each year through over 100 programs, which are designed and delivered by provinces and territories. Examples of supported programs could include employment counselling, career planning, pre-employment preparation, skills training, wage subsidies, technical aids and other supports.

Economic Action Plan 2014 reaffirmed the Government's commitment to introduce a new generation of LMAPDs with an investment of $222 million per year beginning in 2014–15. The reformed Agreements are designed to better meet the employment needs of Canadian businesses and improve the employment prospects for people with disabilities.


Resource Links for Businesses in Saskatchewan

Get schooled, get money, avoid debt

Get schooled, get money, avoid debt

February 10, 2015 If post-secondary education weren’t important, there wouldn’t be students here at SAIT. Whether it be a diploma, degree, technical training or upgrading, we are here to acquire knowledge and skills so that we can secure a job, as well as our future. Obtaining this education can be costly, but there are options available to help connect students with money to pay for school.


Money You Don’t Need To Pay Back

Financial assistance can come in the form of scholarships, grants, and bursaries. The only catch? You need to apply for them. Take the time to make quality applications– yes, this could mean spending a couple of hours– but these hours would be in exchange for a possibly a couple of hundred, or maybe even a couple of thousand dollars.

SAIT offers millions of dollars in student awards each year. These awards can recognize criteria including but not limited to: financial need, academic achievement, community involvement, leadership, or special abilities. Information on awards available can be found at http://www.sait.ca/alumni/student-awards-guide.php

SAITSA also offers financial awards for students, recognizing involvement with SAITSA, extra-curricular/academic achievements, or financial need. To see the full list of awards and submit your application, visit http://saitsa.com/student-services/awards/

Various businesses, organizations and groups offer scholarships and grants for which you will have to apply directly. Check out www.scholarshipscanada.com and www.yconic.ca to access a searchable database of financial awards.

A number of Canada Student Grants are available through the government. Grants can benefit students who come from low-income families, students with dependent children, students with disabilities, apprentice students, and more. A list of grants available can be found at http://www.canlearn.ca/eng/loans_grants/grants/
Funding Advising is a service available for students through the Learner Success Centre (MC221)– get information about funding options or assistance with applications.


Money You Do (Eventually) Need To Pay Back

Loans and lines of credit are another way to pay for education, but borrowing money and financial awareness should go hand in hand. Borrowing money and me are not the best of friends. Several years ago, I took out a student loan for university. What ended up happening was I did not make any payments for over a year and a half. In the end, my credit was a disaster and it was a difficult lesson learned. The good news is I have recovered financially, but I don’t want to see a student peer go through what I did.

The Canadian government provides funding through the Canada Student Loans Program. If a student graduate experiences trouble paying it back, the student can apply for loan repayment assistance. Apprentice students can also now apply for a loan via the Canada Apprentice Loan. More information about government issued student loans can be found at http://www.canlearn.ca

If you’re thinking about borrowing, make sure you’re familiar with money management. The SAITSA Student Support Centre (NJ105) can connect you with information and resources on financial understanding.


Work While You Study

With a regular paycheck, you will reduce your needs for loans and debt. As a student, you can take advantage of working on campus. You will benefit by saving time from having to commute after class, and being better acquainted with students and faculty. Jobs with SAITSA can be found on our website or on our job board outside of the Resource Centre (MC107). If you’re a sports fan, the SAIT Trojans are another great on-campus employer for students. They offer a variety of positions to work at SAIT Trojans athletic games and intramural sports. Learn about available job opportunities by visiting www.saittrojans.com

You can also choose a job to help you gain practical experience in your field. It may seem early in the year, but now is the time to start looking for and applying for summer jobs– a friend of mine who works in the field of human resources once told me they will typically prepare postings for summer positions around February. Part time, summer, co-op, internship or full time positions– you can find postings from industry by signing up through SAIT’s Career Connector: https://www.myinterfase.com/sait/student.

Government grants boost Gold Seal training

Government grants boost Gold Seal training

ONSLOW Feb 10th,2015 — School days are long behind Hal Fowler.

Fowler has been running his own construction company for more than three decades, but he welcomes an opportunity to gain Gold Seal Certification, a sort of a voucher to prove to others that he knows his stuff.

“I’ve always wanted to do some training with the guys and myself,” Fowler said Tuesday morning at the Onslow site of a new Nissan dealership, a construction project managed by his small company, Fowler Construction Services of Bible Hill.

“I’ve been doing this for years. When I apply for stuff like Gold Seal, the first thing they tell me is I don’t have educational credits. Well, I’m 60 years old and I’m not going back to school. I have a business to run.”

That’s where the Canada-Nova Scotia job grant comes into play.

“The grant helped me and two of my employees,” Fowler said. “It’s a lot more affordable, and we all come out with Gold Seal.”

The Gold Seal Certification program confirms that construction tradespeople demonstrate expertise and commitment and ensures that practitioners are qualified to meet project demands across the country.

A $16,000 Canada Job Grant, one of 24 such investments from the federal government that are delivered through the province’s Workplace Innovation and Productivity Skills Incentive Program, spurred Fowler’s decision to take further training.

“The grant was a big deal,” he said. “It’s very expensive. When they are going to cost-share the way they do, it makes it much more affordable. It was worth doing.”

Fowler, company site superintendent Jeffrey Fowler and project manager Sterling Mingo are in the middle of six months of online training in the office, augmented by some on-site tutelage at the Construction Association of Nova Scotia site in Dartmouth.

“The training for the three of us was about $32,000, and they (government) contributed 50 per cent.”

The trainees work on things that are relevant to their jobs.

“For me, a lot of it is confirming what I thought I already knew,” Fowler said. “To get other people to think that, we know it is another thing.”

He said his site superintendent is taking courses that include direction on how to run job sites and how to deal with employees. His project manager is taking courses geared to that side of the construction-management work and all three are taking a constructional law course that helps them deal with “liens and holdbacks, and all those nice things.”

The Canada Job Grant uses federal dollars to provide up to $15,000 per person for training costs.

“In Canada today, there is a huge deficit in trained employees to apply for jobs which are being offered,” said Conservative MP Scott Armstrong, parliamentary secretary to the federal employment minister.

“We want to make sure that the training opportunities are there, that we can attract new young people to do these jobs and get the training they need.”

Armstrong said the job grant program involves both levels of government and private industry in a plan intended to level the playing field between public investment in training and private investment, which is lacking.

“The role of the province is to administer all this. They have the infrastructure on the ground to disperse the funds. The federal government is transferring the money, the province is administering it and the employer is actually directing it. This is a new way to do training in Canada.”

Armstrong said the Fowler grant is the first one in Nova Scotia, but the province is almost fully booked for the year. Once the program is fully implemented, more than $7.9 million per year will be invested through the grant program in Nova Scotia, part of about $300 million per year that will be doled out across the country.

Armstrong said he couldn’t give a specific number of how many Nova Scotians will benefit from the grant program.

“We put a lot of flexibility in this to meet the needs on the ground.”

He said the province needs a whole generation of workers to upgrade their training while bringing a new generation of apprentices into the construction, mining and manufacturing industries.

Government of Canada Provides Funding for Children of the Street Society

Government of Canada Provides Funding for Children of the Street Society

Funding to help organization provide support to families of youth victimized by sexual exploitation and human trafficking

VANCOUVER, BRITISH COLUMBIA– Feb. 11, 2015 – Department of Justice Canada Today, Justice Minister Peter MacKay announced $106,595 in funding for the Children of the Street Society for its project "Working Together to Support Victims and Families of Sexual Exploitation." Minister MacKay was joined by Minister of National Revenue and MP for Delta-Richmond-East Kerry-Lynne D. Findlay.

The funding will be used by the Children of the Street Society to develop a resource toolkit specifically designed to assist the parents and caregivers of youth who have been victimized by sexual exploitation and human trafficking.

The toolkit will further advance the organization's efforts in increasing the knowledge among parents/caregivers about the impacts of these crimes, and about the services, assistance and laws in place to respond to the sexual exploitation and human trafficking of youth. The organization will also use the funding to continue their ongoing work of providing information, resources and referrals to families and service providers.

Quick Facts

– The mission of Children of the Street Society is to take a proactive approach through public awareness, education and early intervention strategies to prevent the sexual exploitation and human trafficking of children and youth, while offering support to families.
– The funding is being provided as follows:

2014-15: $56,437
2015-16: $50,158
Total: $106,595

Ontario grant helps Capacity Canada advance evaluation in charitable sector

Ontario grant helps Capacity Canada advance evaluation in charitable sector

WATERLOO REGION – Feb 17th,2015 Capacity Canada has received a $405,000 grant from the Ontario government to provide charitable non-profits in the province with tools for continuous improvement.

Awarded over three years under the Partnership Grant Program of the Ministry of Citizenship, Immigration and International Trade, the money will help non-profits keep track of the performance of their policies and programs — a process known as evaluation.


“It is good practice to have evaluation running continuously in the background of a community organization,’’ says Cathy Brothers, Capacity’s chief executive officer. “It provides the flexibility to seize an opportunity, or adjust to changes that can come on quite suddenly.”

The greater the excellence in evaluation, the more impact non-profits have on their communities, Brothers added.

The grant allows Capacity to develop an online evaluation kit, create mentoring groups around evaluation and expand existing workshops and events that promote continuous evaluation.

“The Government of Ontario is pleased to support Capacity Canada’s commitment to building stronger communities by investing in community groups,” said Daiene Vernile, Liberal MPP for Kitchener Centre. “Evaluation helps these front-line organizations innovate to provide even better service.’’

The grant from the provincial government is the third major funding announcement Capacity has made in the last 12 weeks.

Grants from Manulife and the Lyle S. Hallman Foundation also enable Capacity to broaden its expertise in such areas as governance, mentoring and evaluation in the charitable non-profit sector.


Ontario provides $4M in funding for ‘social enterprise’ organizations

Ontario provides $4M in funding for ‘social enterprise’ organizations

TORONTO – Feb 19th, 2015  Eleven organizations in Ontario will divvy up $4 million in funding from the province to help start “social enterprises.

The government says social enterprises are ventures that use business strategies to drive social, environmental and economic change.

The successful applicants for a share of the $4-million fund include Ryerson University, the Ottawa Community Loan Fund and the Centre for Social Innovation.

Those intermediary organizations will then in turn provide money through grants, loans, equity investments, royalties or other financial tools to early-stage social enterprises.

Premier Kathleen Wynne says the money will help more social entrepreneurs start and grow their businesses and it’s hoped the government funding will leverage another $6 million from other sources, including the private sector.

Wynne says she sees the government’s role as being a catalyst and a facilitator.