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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

Promotions & incentives


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.

SMHC

Available Promotions & Financing
Programs

Request A Quote

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.

Amana

Financed through Finance It

Rheem

Financed through Abode

Other Brands

Financed through Finance It

Deferral Period 

12 Months

no payments | no interest

Deferral Period 

9 Months 

no payments | no interest

Deferral Period 

6 Months 

no payments | no interest

5.99% for 36 months

7.95% for 24 months

12 months at 0% APR

60 Months at 9.99% APR

Expires June 30 2026

Expires June 30 2026

Expires June 30 2026

 

** Conditions Apply

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

Government Programs

SMHC is a registered contractor for both programs and submits all paperwork on your behalf.

HRSP - Home Renovation Savings Program

Delivered by Enbridge Gas & Save on Energy

OHPA - Oil to Heat Pump Affordability

Delivered in Ontario by IESO

Gas-Heated Homes

Up to $2,000

Cold Climate Air Source

Electric-Heated Homes

Up to $7,500

Cold Climate Air Source

Geothermal (Ground Source)

Up to $12,000

Electric-heated homes

Ontario Homeowners 

Up to $25,000

Covers heat pump + electrical upgrades + oil tank removal

  • No home energy assessment required for heat pump-only upgrades
  • Heat pump must be on the NRCan-approved product list
  • Existing homes only (min. 6 months occupancy)
  • Cannot stack with previous Enbridge/HER+ rebates
  • Your household income is at or below the median for your area
  • You own and live in your home year-round (primary residence)
  • Your home meets size and age requirements
  • You currently heat with oil
  • You’re connected to the North American electricity grid

 

At a glance

Which program is right for you?

UNIT

TYPE

BEST FOR

MAX VALUE

STACKABLE

Amana

Financing

Amana equipment

12-month deferral

❌

Rheem

Financing

Rhemm equipment

9-month deferral

❌

All Brands

Financing

Budget-flexible, any brand

0% / 12 months

❌

HRSP

Gov’t rebate

Heat Pump installs

$12,000

✅

OHPA

Gov’t rebate

Oil-heated homes switching to a heat pump

$25,000

✅

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 Service 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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