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SMHC Promotions & 
Financing Options

Transparent options. No games. Just the best path for your home and your
budget.
Speak With an ExpertSee Financing Options
Replacing or upgrading your heating or cooling system is a major purchase — and the last thing you need is confusing financing terms, hidden fees, or pushy sales tactics.


At Simcoe Muskoka Home Comfort (SMHC), our team advocates for you. We present every available incentive, rebate, and financing option clearly, and help you choose whatever makes the most sense for your home, fuel type, and long-term operating costs.


All financing options listed below are:
● Open loans (you can pay them off anytime, penalty-free)
● No hidden fees
● No early-payment interest
● Not stackable (one promo per installation)

Explore the options below — or book a free in-home consultation and we’ll walk you through the
best fit.
SMHC

Available Promotions & Financing
Programs

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24 Months at 5% Financing

Our 24-month financing at 5% is perfect for homeowners who appreciate simplicity, intention, and timing. It offers lower interest, a shorter term, and the flexibility to move at your own pace.
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60 Months at 7% Financing

Your 60-month financing at 7% gives you fixed monthly payments, so you know what to expect. It also allows flexibility if you want to pay extra or pay off the loan early.
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9 Months No Interest

You can install a high-efficiency system now with 9 months of no interest and no payments. This way, your finances stay comfortable and manageable.
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60-Month Reduced-Rate Financing (8.99%)

Enjoy a 60-month loan at just 8.99%, with no admin fees or penalties. Perfect for homeowners seeking the lowest monthly payment for planned replacements or full system upgrades. Ask us for a quote to see your exact monthly payment.
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heat pump rebate

HRSP (Home Renovation Savings Program) Heat Pump Rebates

Get $500–$1,250 per ton for heat pump upgrades with no home energy assessment. SMHC handles the full application—no paperwork, no hassle. Find out how much your home qualifies for.
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6-Month No-Payments Deferral (0% Interest)

Defer payments for six months with 0% interest. Ideal for unexpected or emergency replacements, with no fees and flexible payoff options. Ask us about availability.
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Promotion Comparison Summary

 

ProgramUpfront BenefitWho It’s Best ForStackable?
60-Month @ 8.99%Lowest monthly paymentPlanned replacements, budget flexibility❌
6-Month DeferralNo payments or interest for 6 monthsEmergency replacements❌
HRSP Rebate$500–$1,250 per tonHeat pump upgrades✅
Oil to Heat Pump (OHPA)Up to $10,000Transitioning from oil heating to electric✅
9-Month DeferralNo payments or interest for 9 monthsImmediate comfort, budget flexibility❌



How SMHC Helps You Choose the Best Option

Every home, furnace, AC, and heating setup is different — and every promotion has fine print.
Our comfort advisors:

  • Present all available rebates and financing
  • Help you compare long-term operating costs
  • Explain whether a heat pump, hybrid system, or AC/furnace combo makes the most
    sense
  • Handle all paperwork, submissions, and follow-up
  • Never pressure you into a specific option

We’re here to help you make the best decision for your home — not to push a particular brand
or promotion.

Real Homeowner Reviews: Fresh Air, Real Results

Ready to Get Started?

Book a free quote and our team will walk you through:

● Which rebates your home qualifies for
● Any financing terms available for your installation
● The most cost-effective options for your fuel type and home layout
● Exact monthly payment and total savings with each system
Book A free quote
Schedule Your Next HVAC Services With Us Today
Ready to experience the best HVAC services in Simcoe and Muskoka? Schedule your next service with us today! Whether it’s a routine maintenance check or an emergency repair, trust Simcoe Muskoka Home Comfort to always deliver exceptional service.

Don’t compromise on your comfort. Contact Simcoe Muskoka Home Comfort today, and let us take care of all your HVAC needs.

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