Fix First Home › Alberta › Seniors Home Adaptation and Repair Program
Seniors Home Adaptation and Repair Program open
Administered by Government of Alberta, Ministry of Seniors, Community and Social Services.
Alberta's only provincial home-repair money for homeowners, and it is for seniors only. A low-interest home equity loan of up to $40,000, or — if you do not qualify for that loan — a grant of up to $5,000 a year.
source · verified 23 September 2026
What it pays
No published cap — and that is the honest answer
SHARP has two arms with different ceilings and they are mutually exclusive, so there is no single figure. The loan tops out at $40,000 and the grant at $5,000 a year and $15,000 in a lifetime. Adding them would describe money nobody can receive.
The loan
Money you pay back, secured against your home.
- Maximum
- $40,000
- What it is
- low-interest home equity loan
- Interest rate
- 4.45%
- How the interest works
- Simple interest, charged only on the original amount. Reviewed and possibly adjusted every April and October.
- Income ceiling
- $75,000
- Equity you must keep
- 25%
- Repaid when
- No monthly payments. The loan becomes due when you sell, stop being a registered owner, or the home stops being your primary residence.
- Security taken
- A caveat is registered against your land title.
The grant
Money you keep — but only if the loan is closed to you.
- Maximum a year
- $5,000
- Maximum in a lifetime
- $15,000
- Minimum project
- $500
- Benefit year
- 1 July to 30 June.
- Who it is for
- Only for seniors who do NOT qualify for the loan. You still submit the loan application to be considered.
- Income ceiling, single senior
- $32,690
- Income ceiling, senior couple
- $53,800
- How the income is counted
- Total annual income. Published under Income eligibility on the grant page and repeated on the main SHARP page; the same deductions the loan allows apply.
- If you are turned down after signing
- If you sign a contract for the work and are then found ineligible for a loan, you may cancel. You must have applied to SHARP within 45 days of signing, you must cancel within 30 days of being told you are ineligible, and the contractor must refund what you have paid within 15 days.
What the grant covers
| Repair | Up to | Times in a lifetime |
|---|---|---|
| Bathroom repair | $5,000 | No limit |
| Carpet replacement to hard surface | $2,000 | 1 |
| Chimney repair or replacement | $1,200 | 1 |
| Cistern | $5,000 | 1 |
| Electrical repair | $5,000 | No limit |
| Exterior door | $600 | 2, each |
| Faucets or taps | $250 | 5, each |
| Furnace | $4,000 | 1 |
| Furnace repair | $4,000 | No limit |
| Garage roof repair or replacement | $1,800 | 1 |
| Hot water tank | $1,000 | 1 |
| Hot water tank repair | $1,000 | No limit |
| House roof repair or replacement | $5,000 | 1 |
| Mobile home leveling | $2,000 | 1 |
| Mobile home skirting | $2,000 | 1 |
| Plumbing repair | $5,000 | No limit |
| Pressure pump or tank | $5,000 | 1 |
| Sewer or septic tank | $5,000 | 1 |
| Sewer or septic tank repair | $5,000 | No limit |
| Soffit, fascia and eaves | $1,800 | 1, combined |
| Steps, landing, railings | $1,000 | 2, each |
| Sump pump | $5,000 | 1 |
| Sump pump repair | $5,000 | No limit |
| Toilet | $300 | 2, each |
| Well | $5,000 | 1 |
| Well repair | $5,000 | No limit |
Who is eligible
- age
- 65 or older. Only one spouse or partner needs to be 65.
- residency
- An Alberta resident who has lived in the province at least 3 months, and a Canadian citizen or permanent resident.
- property
- Your primary residence. Second homes, summer homes, rental and commercial properties do not qualify.
- income basis
- Line 15000 of last year's tax return. With consent, the figure is taken directly from the Canada Revenue Agency.
- retroactive
- Receipts for work completed and paid within the 12 months before the application is received may be claimed.
The thing most pages get wrong
The loan and the grant are alternatives, not layers. The programme states that if you meet all loan eligibility requirements and have sufficient home equity, you are not eligible for a grant. The grant exists for seniors the loan cannot reach.
And the second thing
The grant funds repairs, not upgrades. Its own page says only basic and essential repairs may be funded, and that renovations or upgrades are not considered. A failed furnace is covered; a more efficient one is not.
This programme by upgrade
Every programme that pays toward the same upgrade, side by side.
Sources
- https://www.alberta.ca/seniors-home-adaptation-repair-program — primary source, read 23 September 2026
- https://www.alberta.ca/sharp-grant