Fix First HomeWhat home-upgrade rebates actually pay — and who you apply to.

Fix First Home › Atlantic Canada › Homeowner Repair Program

Homeowner Repair Program open

Administered by Housing New Brunswick, cost-shared by the federal and provincial governments.

New Brunswick's repair money for low-income homeowners, as a loan that is partly or wholly forgiven: up to $18,000 for major repairs to a substandard home, $15,000 to make a home accessible for someone with a disability, and $7,000 for adaptations that help a low-income senior keep living at home.

source · verified 27 September 2026

What it pays

Maximum forgivable loan, by stream
UpgradeConditionUp to
Major repairsA home that is substandard, needs major repairs or lacks basic facilities: structural, electrical, plumbing, heating, fire safety or serious overcrowding. Also help to make room for an aging parent.$18,000
AccessibilityChanges for a household member with a disability that are housing-related or give access to permanently installed basic facilities$15,000
Seniors' adaptationsAdaptations for a low-income senior who has trouble with daily living at home$7,000

The forgivable share is set by the total cost of the repairs. Anything above it is a repayable loan at the province's borrowing rate, over up to 15 years.

Who is eligible

Who can apply

  • A low-income household. The page tests this as core housing need and publishes no dollar line; Housing NB gives it by phone.
  • You own the home and live in it
  • For repairs, the home needs major work, or lacks basic facilities, in at least one of: structure, electrical, plumbing, heating, fire safety, serious overcrowding
  • For accessibility, the changes must be housing-related; for seniors' adaptations, they must help you keep living independently

Where the application goes

By phone or email to Housing NB, Monday to Friday, 8:15 a.m. to 4:30 p.m.

Where the application goes
If this is youApply here
Apply or askHousing NB: 1-833-733-7835 or [email protected]

The thing most pages get wrong

It is repair money, not an energy rebate, and it is a loan. The province's page says the help comes "in the form of a loan, a portion of which may not have to be repaid", with the forgivable share set by the cost of the repairs. A failing furnace can qualify because heating is one of the safety categories, but insulation and heat pumps for efficiency are NB Power's: Total Home Energy Savings at any income, and Enhanced Energy Savings, where the work is free, under $70,000.

Landlords too, for accessibility

The accessibility stream is also open to landlords: up to $15,000 as a forgivable loan to make a unit accessible for a tenant with a disability.