Cozy Colchester3

The Cozy Colchester and Solar Colchester programs will be open to the public for our fall relaunch on September 18th, 2023!

Please contact (902) 920-0615 or This email address is being protected from spambots. You need JavaScript enabled to view it. for more information and to book your free Home Energy Assessment today.


Why should I participate in Cozy Colchester?

Whether you are looking to get off oil with a heat pump, insulate your attic, or complete other renovations to increase the energy efficiency of your home – Cozy Colchester can help you every step of the way.

Not only does the program provide low interest financing to complete these upgrades, it also gives you access to an energy advisor to guide you through the whole process. This includes answering your questions, assisting with obtaining quotes, and ensuring you take advantage of the many provincial and federal rebate programs.


We make it simple...

  • Improve the value and comfort of your home
  • Easy access to technical advice
  • No money down
  • Low interest financing
  • Savings that will exceed payments, in most cases
  • Help to access and benefit from all eligible provincial and federal rebates

Connect with a program advisor today as we move towards our goal of being a carbon-free community. To get started, call (902) 920-0615 (local Truro number) or email This email address is being protected from spambots. You need JavaScript enabled to view it..


How do I participate?

  1. Contact us for advice at (902) 920-0615 & This email address is being protected from spambots. You need JavaScript enabled to view it.

  2. We can help you get a Home Energy Assessment and quotes from local contractors

  3. When you are ready, sign our Participant Agreement

  4. We authorize contractor to proceed

  5. We pay contractor once the work is complete

  6. Start your payments and start saving


Eligible Projects

Cozy Colchester will support almost any project that saves energy and reduces greenhouse gas emissions. Here are some examples:

  • Air-source heat pumpsCozyColchesterStock2c
  • Geothermal heat pumps
  • Heat pump pool heaters
  • Heat pump domestic water heaters
  • Insulation and air sealing
  • Exterior windows
  • Exterior doors
  • Smart thermostats

For solar PV, visit our Solar Colchester webpage.


Call for Contractors!

Are you a local contractor/supplier and want to know more about the program and grow your business?

To express interest or get invited to our next industry engagement session, give us a call at 902-334-6031 (Contractor Hotline) or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it..



Have your project pay for itself through energy savings!

Key Financing Terms:

  • Financing through your property, not personal credit

  • 4.75% interest rate

  • 10- or 15-year terms, depending on the upgrade

  • One-time 5% admin fee to cover program administration costs (see more details below in The Fine Print)

  • No fees for early repayment

  • Finance up to $30,000 or 25% of your property value (whichever is less)

  • Low monthly payments with typical savings that will exceed payments


Do you qualify for our Low-Income Administration Fee Exemption?

To better serve low-income residents of Colchester County, we have expanded our efforts to make Cozy Colchester and Solar Colchester programs more accessible. The 5% administration fee will be waived for all qualifying households with incomes below the following thresholds: 

Household Size Maximum Net Household Income 
(Line 236 of Notice Assessment) 
 1 person  $27,250
 2 to 4 people $50,635
 5 or more people $72,113


To apply, please contact Sarah Lynds at This email address is being protected from spambots. You need JavaScript enabled to view it. or 902-897-3170.

Let’s minimize costs and maximize energy savings, together!

Homeowners eligible for the Low-Income Admin Fee Exemption may also be eligible for free home upgrades through Efficiency Nova Scotia’s HomeWarming program. Visit for more information.


Combine with other Incentives

You could be eligible for federal or provincial rebates to support your project! Call us at 902-920-0615 and an energy advisor will help you access available incentives, such as:

Greener Homes:

HomeWarming (for low-income households):

Oil to Heat Pump Affordability Grant (for low- to median-income households):


The Fine Print

Call us if you would like to see a sample Participation Agreement at 902-920-0615.

Additional Fees & Charges: There is a one-time 5% administration fee for each project to cover program administration costs, including energy concierge services, arranging free home energy assessments, checking property value & property tax status, helping homeowners navigate the rebate process, drafting and executing legal agreements, setting up and collecting monthly payments for 10-15 years, etc. For example: a $20,000 project with a 10-year loan term will have a $1,000 admin fee, equivalent to $8.33/month. 

The administration fee may be paid in full upfront or added to the loan principal at the same interest rate. Note that Solar Colchester and Cozy Colchester are operated on a user-pay model for the Municipality. This means the programs are not being subsidized by non-participating taxpayers.

There will be additional fees for missed loan payments.



This project was carried out with assistance from the Federation of Canadian Municipalities’ Green Municipal Fund, an endowment created by the Government of Canada.

GMF Logo FCM GoC 1