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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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Promotions & Incentives

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otherbrands

Every dollar of savings is in one place. Whether you’re replacing a furnace, upgrading to a heat pump, or switching off oil, there are financing options and government rebates available to help. SMHC handles all the paperwork for you, so you don’t have to.

Flexible financing

SMHC, in partnership with Finance It and Abode, offers you the peace of mind with a path to ownership through financing. Your deferral period and rate depend on which equipment you choose. All plans are open loans, which means you can pay them off early, penalty-free.

When it comes to financing, transparency can be hard to come by. SMHC provides all the details of your agreement upfront, not just the monthly payment. So you won’t be surprised by large residuals, admin fees, high rates, and so on, hidden in the fine print.

Our finance flexible payment options are here to help empower your choices:

  • Open loans (penalty-free pre-payment)
  • Fast, Simple and Secure Application Process
  • Low monthly payments available (up to a 240-month / 20-year plan)
  • Short-term options (as low as 12-month plans)
  • Convenient monthly auto-debit payments
  • Dedicated Customer Support
heatpump aside house

OHPA - Oil to Heat Pump Affordability

If you’re upgrading your home’s heating system, the Home Renovation Savings Program (HRSP) offers significant rebates to reduce your upfront cost—especially for energy-efficient heat pumps.
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Trane and SMHC Heat Pump Install

Home Renovation Savings Program (HRSP)

If you’re upgrading your home’s heating system, the Home Renovation Savings Program (HRSP) offers significant rebates to reduce your upfront cost—especially for energy-efficient heat pumps.
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Flexible Financing – 0% Option Available

For all other systems, this promotion offers the most flexibility depending on your financial strategy. Start with 6 months of no payments and no interest, giving you immediate relief from upfront costs.
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Rheeem HVAC System bmb

7.95% over 24 months

Rheem’s financing promotion is built for homeowners who want short-term flexibility without long-term commitment.
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amana ac

5.99% for 36 months

Upgrade your home comfort with Amana and take advantage of flexible financing designed to minimize upfront cost. After the deferral period, financing continues at a competitive 5.99% rate over 36 months, making it one of the most cost-effective long-term options available.
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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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