SMHC Promotions & Financing Options

Transparent options. No games. Just the best path for your home and your budget.

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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.

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

Available Promotions & Financing Programs

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Promotional Offers

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 other hidden costs in the fine print.

Our 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

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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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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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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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

Absolutely Highly Recommend Hugh at Simcoe Muskoka home comfort. 5 🌟 Stars. Hugh was professional, on time,polite,respectful, and most of all very knowledgeable. Thank you for fixing our Furnace.

Kelly MacGregor

My installation happened 48 hours of me ordering my new furnace. The guys were professional and polite with no indication of a mess when they left the coordinator of installations named Lindsay was most helpful and courteous. I even got a phone call from the president of the company offering me a better choice of equipment to suit my needs professionalism at its core. Thank you everybody!!!

John Conorton

I was in a tough spot when my hot water heater quit. I had SMHC come have the very next day. I was in need of a new hot water system as well as a water softener. The salesman was very helpful in figuring out a solution to my problem. Linzee was extremely helpful in facilitating my install, and getting everything lined up. The installers Collin and Rob were very professional. They did an immaculate job. It looks nicer than it did originally. All in all everyone I dealt with from start to finish has been a gem. Thank you, SMHC

justin young

Technician Andrew was fantastic. Diligent as well incredibly informative for the first time home buyer learning about their furnace. Would use again

Carson Reed

Andrew arrived quickly in the State of Emergency . He was polite well knowledgeable stayed until he ensured that the gas fireplace was working to provide me heat. He discussed what he was doing diagnosed the situation and next steps. Thank you Andrew you really saved the day! Dawn

D R

My experience was nothing short of exceptional excellent customer service. Starting from the Sales Rep - Marshall and to Linzee for the Account Setup and the two gentlemen for the Installations Colin Van + Rob. The team did great and gave me a soft landing. Colin V + Rob did the installations in a record time and they were very professional. The job was neat and looked crisp & sweet! :) They both spent quality time to answer all my questions. Knowledgeable guys! I love the wifi and app integration to the water softener. I’m so impressed with the whole process. I’d recommend Ecowater to my friends and anyone looking for a good solution. I’d not say it’s a cheap system. I did shop around and had 4 competitors of water softeners visit my home and Ecowater turn out to be twice expensive ish, but I ended up with it. I did an honest comparison and they tick all the box, including quality of product, modern technology, plus wifi access for ease management and notifications. I love it!

KP Alabi

Dan was amazing at accommodating our Huntsville High School student with training for the upcoming Skills Ontario Provincial Competition. SMHC sent one of their best employees to work one-on-one with our refrigeration student providing knowledge, tools, and materials to lead to his success! Thank you so much!

David .Lomas

I had SMHC install a radiant heater in my shop, they were great to deal with from start to finish. They came by took measurements went over various options to get the heat working in my shop and sent me multiple quote options. Once decided what I wanted installed they had me scheduled for the next week. The install crew was great incredibly tidy, they even worked late to get it finished same day. Which I appreciated so we could get the heat going! I would highly recommend the SMHC team for your next HVAC project incredible experience and competitive pricing!

Dylan Amar

Michael was absolutely amazing! He resolved our boiler issue quickly and efficiently and was extremely courteous, and knowledgeable. I cannot thank SMHC enough and would definitely recommend them. Thank you again Michael for a job well done!

Michael Won

Well, we smelled strong fumes outside exhausting from my furnace, so I googled for help. I came across Simcoe Muskoka Home Comfort (SMHC) and contacted them based on their reviews and I am glad I did. Scheduled a diagnostic service call and Technicians James and Eekim came and with their experience knew exactly what the problem was and confirmed my heat exchanger is cracked. Lucky for me warranty covered the replacement for the new exchanger as this was a premature failure. SMHC took care of everything for me with a very quick turnaround time. Removing and replacing a furnace heat exchanger is no small job and most of the furnace needed to be dismantled to get the old exchanger out and the new exchanger installed and then put everything back together again. James & Eekim did an amazing professional job and I highly recommend you do not hesitate to contact SMHC for all your HVAC needs.

Brian N

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.

(705) 325-4328

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