My Energy Improvement Plan PACE Program

 
  • Efficiency Nova Scotia is partnering with municipalities to offer Property Assessed Clean Energy (PACE). PACE helps homeowners invest in a wide-range of home energy improvements for future savings on their energy bills.
  • Through Efficiency Nova Scotia, EfficiencyOne is offering the full design, implementation and administration of PACE on a not-for-profit basis.
  • PACE is a financing mechanism for municipalities. After approval a homeowner can finance energy improvements through payments tied to a local improvement charge.
  • All charges incurred during the home energy improvements are included in the PACE charges, which attach to the property, not the individual. If a homeowner decides to sell their home in the future, PACE charges carry-over to the new homeowner. This ensures both the payments and the energy savings stay with the people who enjoy the benefits of a comfortable, efficient home.
  • PACE helps homeowners overcome the major financial hurdle of investing in whole home energy improvements and allows up to 10 years for repayment and no penalty for paying off early.
  • All costs to provide the program are paid for by participants, and there are no costs to property owners who do not participate.

Get Started

Contact Efficiency Nova Scotia to discuss setting up a PACE program in your Municipality and to take advantage of the Province of Nova Scotia’s first year program costs offer. Contact us at info@efficiencyns.ca or 1-877-999-6035.

Benefits

PACE helps municipalities:

  • Be a leader
  • Increase the quality of housing stock in their community;
  • Be more energy efficient;
  • Reach community sustainability, climate and energy goals;
  • Provide a self-sustaining public service to its community members; and
  • Improve the quality of life for existing residents and attract new people.

 

PACE helps homeowners: 

  • Make their home more comfortable;
  • Update and improve their home with modern, energy efficient features;
  • Increase the potential number of energy efficient upgrades available to them by removing financial barriers and providing expert information;
  • Reduce monthly energy bills; and
  • Provide financial protection and stability as energy costs increase over time.

 

PACE helps Nova Scotia:

  • Inject money directly into Nova Scotia’s economy by employing local home improvement and energy efficiency professionals;
  • Make lasting energy and building infrastructure improvements;
  • Reduce our energy demand and explore renewable energy options.
  • Provide a steady and growing demand for good-quality, local, sustainable jobs that cannot be outsourced;
  • Meet climate change targets and reduce greenhouse gas emissions.

FAQs

How does the program work?

  • Step One: Homeowner completes a registration form to confirm eligibility. Applications are accepted on a first-come, first-serve basis.
  • Step Two: Once the homeowner is pre-approved, they book a home energy assessment through Efficiency Nova Scotia. A home energy assessment identifies recommended upgrades and a report with recommendations on appropriate upgrades for their home.
  • The homeowner obtains quotes from contractors, or cost estimates if they are doing the work themselves. They submit proposed upgrades and cost estimates to Efficiency Nova Scotia.
  • Step Three: Once the upgrades are approved, the homeowner receives a copy of the financing agreement between the homeowner and the municipality with the estimated costs to sign and return to Efficiency Nova Scotia. After the financing agreement has been signed and approved, the homeowner may begin the upgrades.
  • Step Four: The homeowner completes the upgrades and contacts Efficiency Nova Scotia for a follow-up assessment and verification. The homeowner also submits all final invoices for the completed upgrades, along with pictures, before the follow-up assessment. An updated financing agreement with the final costs is signed during the follow-up assessment.
  • Step Five: The Municipality levies a special charge on the homeowner’s property that appears as a local improvement charge. The full amount can be paid off early without penalty, at any time.

 

How do homeowners qualify?

Homeowners may qualify for PACE if they:

  • Own a detached, semi-detached, row or mobile home;
  • Receive consent from all individuals named on the title;
  • Are in good standing with municipal property tax and utility payments;
  • Obtain written consent from their mortgage lender(if applicable) and;
  • Plan to complete upgrades with an investment-to-savings ratio of one or more, meaning the annual costs will be the same or less than what the homeowner will save (in dollars) in any given year.

 

What types of upgrades are eligible for financing?

Eligible upgrades may include:

  • Insulation (e.g. ceiling, exterior wall, exposed floor, basement, crawl space);
  • High efficiency heat systems (e.g. heat pumps, wood and pellet, stoves);
  • Solar water heating and solar air;
  • Draft proofing (i.e. weather stripping, caulking); and
  • ENERGY STAR® windows, doors and skylights.

 

Rebates from Efficiency Nova Scotia may be available for electrically heated homes.

 

How much will program administration cost the Municipality?

Efficiency Nova Scotia and the Province of Nova Scotia has partnered to offer a fully, administered PACE program to municipalities. The Province of Nova Scotia will provide funding to cover program cost in the first year (approx. $15,000). Costs for subsequent year(s) are paid by the Municipality, if the program is continued. Below highlights what’s included in the first year program costs.

  • Review of municipal bylaw
  • Create, review and finalize EfficiencyOne /Municipality agreement.
  • Determine program design (eligibility requirements and measure specifications)
  • Develop/update and review forms
  • All marketing pieces. EfficiencyOne will design, develop, review and approve, print and distribute one bug banner for the Municipality to display, 750 rack cards, a marketing piece for inclusion in one of their mail pieces such as a water bill and two print ads in the local newspaper
  • Design and create a unique webpage in which to direct homeowners for more information
  • Develop a media and communications plan
  • Community Outreach. EfficiencyOne staff will attend one meeting for training and promotion of the program to Municipal staff and councilors
  • Community Outreach. EfficiencyOne will attend one launch event to promote the program to residents
  • Develop tracking
  • Develop processes for invoicing Municipality
  • Quarterly report for Municipality
  • Annual summary report for Municipality.
  • EfficiencyOne will process the pre-approval application form, and refer the homeowner to the EfficiencyOne/Clean Foundation Home Warming low income program (if applicable) or any other applicable Efficiency Nova Scotia programs
  • EfficiencyOne will review and approve all contractor quotes submitted by the homeowner
  • Ongoing communication with homeowner
  • EfficiencyOne will prepare the customer agreement with estimated costs, after the submitted quotes have been reviewed
  • EfficiencyOne will review all final contractor invoices and amend the Homeowner Agreement
  • EfficiencyOne will process a payment directly to the contractor or homeowner
  • EfficiencyOne will process an invoice for the Municipality to recover funds paid directly to contractors/homeowners on approved work and the homeowner administration fee
  • EfficiencyOne will ensure homeowners are directed to any applicable rebate programs that Efficiency Nova Scotia is offering

Following the first year, a fee of approximately $9,000 will be charged in each subsequent year (year 2, year 3, year 4, etc.). The Municipality and EfficiencyOne will work together to determine exactly what is required each subsequent year.

  • Quarterly report for Municipality
  • Annual summary report for Municipality
  • Community Outreach. EfficiencyOne will attend one event/meeting to continue promoting the program or to help educate and train staff/councilors.
  • All marketing pieces. EfficiencyOne will update, review and approve, print and distribute rack cards, direct mail, and two print ads in the local newspaper.
  • Prepare and submit new news releases to various news outlets to continue promotion of the program.
  • Status meeting with Municipality
  • EfficiencyOne will process the pre-approval application form, and refer the homeowner to the EfficiencyOne/Clean Foundation Home Warming low income program (if applicable) or any other applicable Efficiency Nova Scotia programs
  • EfficiencyOne will review and approve all contractor quotes submitted by the homeowner
  • Ongoing communication with homeowner
  • EfficiencyOne will prepare the customer agreement with estimated costs, after the submitted quotes have been reviewed
  • EfficiencyOne will review all final contractor invoices and amend the Homeowner Agreement
  • EfficiencyOne will process a payment directly to the contractor or homeowner
  • EfficiencyOne will process an invoice for the Municipality to recover funds paid directly to contractors/homeowners on approved work and the homeowner administration fee

EfficiencyOne will ensure homeowners are directed to any applicable rebate programs that Efficiency Nova Scotia is offering

Note: The funding from the Province of Nova Scotia is limited, and available on a first-come, first-serve basis.

I am interested in the program. What do I do now?

Contact Efficiency Nova Scotia to discuss setting up a PACE program in your Municipality and to take advantage of the Province of Nova Scotia’s first year program costs offer. Contact us at info@efficiencyns.ca or 1-877-999-6035.

Guysborough County

The Municipality of the District of Guysborough has partnered with Efficiency Nova Scotia to offer their residents My Energy Improvement Plan.

My Energy Improvement Plan is a PACE program which allows residents of The Municipality of the District of Guysborough to borrow up to a maximum of $10,000 to help cover the costs of energy efficiency upgrades.

To be eligible you must:

  • Own the home you are living in or receive consent to participate from the owner
  • Receive consent from all individuals named on the title to participate in the program
  • Be in good standing with all municipal accounts
  • Receive consent from mortgage lender (if applicable)
  • Complete energy efficiency upgrades that will help you save more or equal to the annual payment to the municipality

Loan Details:

  • Homeowners may borrow up to $10,000 for up to 10 years
  • Homeowners will be charged an administration fee of $199 to participate in the program and an annual interest rate of prime + 1% (currently 3.7%)

Eligible Upgrades*:

  • Insulation: Ceiling – Attic
  • Insulation: Ceiling – Flat Roof/Cathedral
  • Insulation: Basement
  • Insulation: Crawlspace
  • Basement Header Insulation
  • Basement Slab Insulation
  • Exposed Floor Insulation
  • Windows, Doors, Skylights
  • Air Sealing
  • Drain Water Heat Recovery
  • Heat Recovery Ventilator
  • Solar Domestic Hot Water
  • Solar Air
  • Ductless Heat Pump (mini-split)
  • Geothermal
  • Central Ducted Heat Pump
  • Pellet Boiler/Furnace
  • Wood Boiler/Furnace
  • Pellet Stove
  • Wood Stove

*All upgrades must be a savings to investment ratio of 1 or greater to be eligible.

Steps:

  • Submit the registration form to your municipal office for review. Contact your mortgage holder to obtain lender consent if you currently have a mortgage on your property.
  • Once your registration form has been reviewed and approved by the municipality, you will be contacted by Efficiency Nova Scotia to set up an initial Home Energy Assessment.
  • After your initial Home Energy Assessment, decide what upgrades your like to complete and obtain quotes.
  • Submit the quotes to Efficiency Nova Scotia who will review them to make sure all the upgrades are eligible.
  • Complete the upgrades and schedule a final Home Energy Assessment
  • After the upgrades are verified, your contractor will be paid and you will begin making monthly payments to the municipality

 

Municipal Contact:

Deborah Torrey
Development Officer
Municipality of the District of Guysborough
33 Pleasant Street, PO Box 79
Guysborough, NS  B0H 1N0
(902) 533-3705, Ext. 222
dtorrey@modg.ca

The Municipality of the District of Inverness has partnered with Efficiency Nova Scotia to offer their residents My Energy Improvement Plan.

My Energy Improvement Plan is a PACE program which allows residents of The Municipality of the District of Inverness to borrow up to a maximum of $10,000 to help cover the costs of energy efficiency upgrades.

 

To be eligible you must:

  • Own the home you are living in or receive consent to participate from the owner
  • Receive consent from all individuals named on the title to participate in the program
  • Be in good standing with all municipal accounts
  • Receive consent from mortgage lender (if applicable)
  • Complete energy efficiency upgrades that will help you save more or equal to the annual payment to the municipality

 

Loan Details:

  • Homeowners may borrow up to $10,000 for up to 10 years
  • Homeowners will be charged an administration fee of $199 to participate in the program and an annual interest rate of prime + 1% (currently 3.95%)

 

Eligible Upgrades*:

  • Insulation: Ceiling – Attic
  • Insulation: Ceiling – Flat Roof/Cathedral
  • Insulation: Basement
  • Insulation: Crawlspace
  • Basement Header Insulation
  • Basement Slab Insulation
  • Exposed Floor Insulation
  • Windows, Doors, Skylights
  • Air Sealing
  • Drain Water Heat Recovery
  • Heat Recovery Ventilator
  • Solar Domestic Hot Water
  • Solar Air
  • Ductless Heat Pump (mini-split)
  • Geothermal
  • Central Ducted Heat Pump
  • Pellet Boiler/Furnace
  • Wood Boiler/Furnace
  • Pellet Stove
  • Wood Stove

*All upgrades must be a savings to investment ratio of 1 or greater to be eligible.

 

Steps:

  • Submit the registration form to your municipal office for review. Contact your mortgage holder to obtain lender consent if you currently have a mortgage on your property.
  • Once your registration form has been reviewed and approved by the municipality, you will be contacted by Efficiency Nova Scotia to set up an initial Home Energy Assessment.
  • After your initial Home Energy Assessment, decide what upgrades your like to complete and obtain quotes.
  • Submit the quotes to Efficiency Nova Scotia who will review them to make sure all the upgrades are eligible.
  • Complete the upgrades and schedule a final Home Energy Assessment
  • After the upgrades are verified, your contractor will be paid and you will begin making monthly payments to the municipality

 

Municipal Contact:

My Energy Improvement Plan
Municipality of the County of Inverness
P.O. Box 179
375 Main Street
Port Hood, Nova Scotia
B0E 2W0

Phone: (902) 787 3501
Fax: (902) 787 3110

Email: ellen.murphy@invernesscounty.ca

 

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