⚠️ Don’t Get Trapped by Oil-to-Heat-Pump Scam Schemes
As government initiatives like Canada’s Oil to Heat Pump Affordability Program and similar subsidies roll out, scammers are stepping in — offering “fast-track” financing or processing in shady ways. They may pose as accredited contractors, twist rebate regulations, or push bridge loans designed to pressure homeowners. Here’s how to protect yourself.
🔍 Red-Flag Tactics to Watch
1. Pressure to sign a bridge loan on the spot
Some installers claim they’re “official partners” (complete with badges/logos) and urge you to agree to high-interest bridge loans—sometimes $10K–$18K—so they can get paid now, then reimburse you later from the rebate .
2. Claims of “exclusive access” or fast approval
Scammers will insist they have insider connections with agencies like Efficiency NS or NRCan—and can get you approved faster, even though there’s no basis. They’ll even challenge you: “You didn’t apply? We’ll start one for you” .
3. Upfront payments before funding approval
They demand signed financing, then leave you with a loan but no heat pumps—and since the grant/fund hasn’t been issued yet, you’re out of pocket .
4. Fake credentials and bluffs
Scammers show house-branded shirts or fake credentials from Efficiency Nova Scotia, NRCan, or other bodies. But many warnings confirm these look official while being entirely bogus .
🧩 Real Homeowner Stories
On Reddit, one Nova Scotia resident shared:
“They call you and say ‘we’re reaching out on your application’ which you never made.”
“They get your info and have you take a loan… then when you don’t pay they get a judgment on your house.”
These bridge-loan tactics are exactly what authorities have flagged as high-risk financial scams tied to green-energy incentives.
🌱 How the Legit Program Works
Natural Resources Canada’s Oil‑to‑Heat‑Pump Program (part of Canada Greener Homes) offers up to $10,000 toward heat-pump upgrades—but only after qualified installation, documentation, and confirmations are complete .
There is no advance bridge loan requirement—any financing solutions are offered by third-party lenders, not government partners.
✅ Stay Safe: Smart Steps to Take
- Never sign loans on the spot. Grants are always issued after certified installation—not before.
- Verify contractor credentials. Confirm their listing on the official program registry or call the program office directly.
- Ask for a detailed rebate and payment timeline. Demand clarity on when you’ll be reimbursed.
- Use only licensed entities. No government sends reps door-to-door—legitimate providers must be independently vetted.
- Double-check official guidance. Consult NRCan or provincial energy agency websites before agreeing to anything.
📝 Bottom Line
Programs aimed at replacing oil systems with heat pumps are excellent—but scammers are ready to take advantage, using high-pressure financing and misleading claims. Protect your home and finances:
- Let rebates come to you, not to them.
- Wait for inspection and certification.
- Finance only after grant confirmation—no signing before understanding the process.