Planet-Wise Renovation Solutions - Renovation Loan

We offer three, flexible loan options for planet-wise renovations that boost the energy efficiency of your home, and help you play a part in building healthy communities and a low-carbon future.

Book an appointment

Benefits of reducing your home’s energy use

  • Reduced carbon emissions. You may be surprised to know that emissions from buildings are the top contributors to greenhouse gases in our region. So, improving the energy efficiency of your home is one of the most significant ways you can practice lighter living and play a big part in building healthy communities and protecting the planet.
  • Saves you money. Living in an energy-efficient home can lower your heating bills by over 50%1. That’s a lot of extra money in your pocket.
  • Improves your home’s resale value. House hunters know that an energy-efficient home means smaller bills, and improvements that are designed to last. It all makes your home even more appealing.
  • More comfortable. We Canadians spend 90%* of our time indoors. An energy-efficient, planet-wise building keeps you warmer in winter and cooler in summer. Win-win.

Loan options and features:

Term Loan

  • Financing terms up to 15 years
  • Minimum loan amount of $3,500 and a maximum of $50,000
  • Preferred interest rate of Vancity Prime Rate + 0.75%


  • A preferred interest rate based on Vancity Prime Rate
  • Unsecured loan
  • Minimum loan amount of $5,001 and maximum loan amount based on how you qualify

Creditline Mortgage

  • Secured by residential real estate
  • A preferred interest rate based on Vancity Prime Rate
  • Maximum loan amount based on how you qualify and security pledged

All Vancity Planet-Wise Renovation Solutions offer low interest rates that save you money. And you can borrow as little as $3,500 and then pay it back through flexible payments options. Types of projects you can use your loan for include: insulation, space heating, ventilation, draft proofing, hot water heating, replacement of window/doors, solar panels for hot water or solar electric systems.


Speak to an Account Manager about your energy efficient upgrades. They’ll help you work out which loan is the best fit and point you to resources on how to optimize energy efficiency for your home including accessing rebates and professional guidance from a certified energy advisor.

Book an appointment

Vancity will reward members who undertake an EnerGuide home evaluation:

  • $150 rebate on a pre-upgrade EnerGuide home evaluation, and
  • $250 rebate on a post-upgrade EnerGuide home evaluation

Note: The Vancity rebate is not dependent on obtaining any of the financing options but is only available for Vancity members.

Find a service provider in your community to book a home evaluation.

Learn more

Looking for details on Vancity’s other loan options?
See all of our types of loans »

Understanding loans

Loan application

Loan calculators

Loan rates