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Receive a 1% Interest Rate Discount or a $100 Rebate on a Home Energy Audit With a Qualifying Purchase Through a Fixed Rate Loan Over $5,000(1)disclaimer

If you've recently purchased—or plan to purchase—eligible energy-efficient products or services for your home, you could qualify for the RBC Energy Saver Loan. This innovative and green financing solution can help you create a more energy-efficient home while saving on your borrowing costs.

Features and Benefits

  • Unique Savings. Receive 1% off the loan interest rate or a $100 rebate on a home energy audit on a fixed rate instalment loan over $5,000 when you purchase eligible products or services.
  • Flexible Terms. Choose how long you'd like to take to pay off your loan—terms range from 5-10 years depending on the loan amount.
  • Easy Payment Options. Make your loan payment monthly, semi–monthly, bi-weekly or weekly. You can have it deducted automatically from your chequing account with RBC Royal Bank or another bank.
  • No Early Prepayment Charges. Pay more than your fixed payment at any time, or even pay off your loan in full, without penalty.
  • Skip-a-Payment Option. Skip up to the equivalent of 1 monthly payment each year4disclaimer, without penalty.
  • Optional LoanProtector® Insurance. Designed to provide financial backup during difficult times, LoanProtector life and disability or critical illness insurance provides low-cost, valuable protection for you and your family.

Arranging an Energy Audit and Receiving Your Rebate

How to Arrange a Home Energy Audit and Receive Your Rebate

Simply follow these steps to arrange your home energy audit :

  1. Choose a licensed home auditor through the Natural Resources Canada website at Obtain quotes from a few auditors and choose one that you feel offers the best overall value.

    Note: To qualify for the $100 rebate, your audit must be completed sometime within the 90 days prior to being approved for your loan or within 90 days after receiving your loan.

  2. Once your audit is complete, obtain a receipt or invoice from the auditor for a refund from RBC.

To receive your RBC energy audit rebate:

  1. Submit your audit receipt or invoice to your RBC branch within 120 days of receiving your RBC Energy Saver Loan.
  2. Your home energy audit rebate will be credited to your RBC account. The amount will be the actual invoiced amount of the home energy audit, up to a maximum amount of $100.

Other Rebates and Incentives

Other Ways to Turn Energy Saving Efforts into Cash

After receiving your home energy audit, you may be able to receive additional government rebates and incentives:

  • Complete some or all of the suggested renovations and improvements and have your home auditor return to verify the work. Your auditor will submit an application on your behalf to both the federal and provincial governments.
  • Ask your municipal government if similar incentives and rebates are available in your community.

For additional information:

Apply for the RBC Energy Saver Loan

Our credit specialists will help you select the credit solution that is right for you.

Call to Talk to a Credit Specialist



Visit Your Local RBC Branch

Personal lending products and residential mortgages are offered by Royal Bank of Canada and are subject to its standard lending criteria.

Subject to Royal Bank of Canada standard lending criteria. Must be a fixed rate installment loan of at least $5,000. Audit can be done 90 days before loan advance date or 90 days after loan advance date and can be submitted 120 days after loan advance date. Offer begins February 15, 2009 and is available until further notice. Amount of rebate will be the actual invoiced amount of the home energy audit, up to a maximum of $100. Offer may be withdrawn at any time. Cannot be combined with any other offer.

Available on residential mortgages, both purchases and re-finances, including the RBC Homeline Plan with a minimum term of three years fixed closed or five–year variable closed. This offer is available until further notice. Offer may be withdrawn at any time. The minimum mortgage amount must be $25,000. Cannot be combined with any other offer. Audit must be completed within 90 days of mortgage advance and submitted within 120 days of mortgage advance for refund. Amount of rebate will be the actual invoiced amount of the home energy audit, up to a maximum amount of $300.

Tip Courtesy of, Environment Canada's National Office of Pollution Prevention:

The principal and interest portion of any skipped payment will remain outstanding until the end of the term of your loan at which time the skipped payment must be repaid. Interest will continue to accrue upon the total amount of the skipped payment until such time that the skipped payment is repaid in full. You may repay the skipped payment at any time.