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…and the Rise of Some Truly Terrible Replacements.
For years, Canadian homeowners enjoyed access to something that sounded almost too good to be true… and shockingly wasn’t.
We’re talking about the Canada Greener Homes Loan (CGHL) — the unicorn of financing:
✅ Up to $40,000
✅ 0% interest
✅ Pay back over 10 years
✅ No admin fees
✅ No hidden “surprises”
✅ No penalties for early repayment
A real, honest-to-goodness, government-backed, interest-free loan. Not a financial product wrapped in sparkly marketing. Not a “promo rate gimmick.” Just a genuinely helpful tool.
Alas… that era has ended.
The CGHL portal is now closed to new applications.
Pour one out for the real MVP of solar financing. 🍺
And, as expected, the moment the true-zero-interest train left the station, many solar companies started scrambling.
Some did so ethically…
Others did what you’d expect when the candy bowl disappears — they got desperate.
And now, the financing tactics we’re seeing?
Well… they deserve a spotlight. And maybe a warning siren. 🚨
Let’s talk about it.
Sounds great, right?
It’s November 2025. Who doesn’t love the idea of skipping payments for a year?
But here’s the hidden plot twist:
We looked into one of these offers through FinanceIt. Here’s what’s actually happening:
So in real terms, the customer:
That “don’t pay for a year” teaser turns into:
The world’s most expensive nap.
This is how you buy a solar system…
and pay for it twice.
Who wins?
✅ FinanceIt
✅ Any installer willing to play along
Who loses?
❌ Homeowners
This is the opposite of what made CGHL special.
This is marketing glitter at payday-loan prices.
And unfortunately, it gets worse…
We’re also seeing a separate in-house financing model floating around Nova Scotia. This one has been here for a while folks.
It loudly advertises:
“0% FINANCING — 20 YEARS!”
Sounds like the CGHL reincarnated, right?
Not so fast…
Here’s how it works:
That’s right:
They didn’t remove the borrowing cost — they just renamed it.
If you pay $10,000 to borrow money, it doesn’t matter whether you call it:
It’s still money you’re losing.
At least a traditional bank tells you the interest rate.
Here, the true cost is camouflaged.
This structure can:
Frankly, we consider this model more misleading than high-interest loans — because it hides the cost behind friendlier words.
“0% interest” should mean…
0% interest.
Not “just kidding, here’s a $10,000 service fee and a lien.”
Big yikes. 🙃
Anyone who understands solar economics knows that too much interest destroys the financial value of a solar system.
Financing should help homeowners — not sabotage their ROI.
Before you lose hope — there are still responsible financing pathways in Nova Scotia.
The unsung hero: Municipal PACE programs.
Programs like:
Halifax Solar City
Various Clean Energy Financing programs
SwitchPACE
These have been around for years — long before the CGHL boom — and they’re run by municipalities, not private loan sharks.
They offer benefits like:
✅ Fair interest rates
✅ Good term lengths
✅ Added to your property tax bill
✅ Transferable on sale
✅ No gimmicks
✅ Transparent pricing
And best of all:
They don’t rely on “buy now, panic later” marketing tricks.
You can browse every NS municipal program on our financing page:
👉 https://wattsupsolar.ca/solar-financing
We recommend them.
Happily.
Enthusiastically.
Wattsup Solar LTD maintains a 10 year labour and workmanship warranty. This covers leaks in the roof or any equipment that fails under it's manufacturer's warranty.
Wattsup Solar LTD has been around since 2014 and so we feel a 10 year labour warranty is justified even if it is unusual for the construction industry.
The Efficiency Nova Scotia preferred partner standard is 2 years.
The failure rates of our equipment choices (Enphase microinverters) and the ease of maintenance make this an achievable promise to make, even with 1500+ installations across Nova Scotia.
The caveat is that an installer warranty is just a promise, unlike manufacturer's warranties, installer warranties aren't backed by 3rd party insurance.
Caution: We've noticed a trend of smaller installers or out-of-province marketing companies over-promising on labour warranties despite not having the physical resources to follow through. We take the position that it's unethical to promise a labour warranty longer than your company has existed for, and over-promising is an unethical sales tactic.
Solar panels have 2 types of warranties, most installers only mention the first type;
Production or Linear Output Warranty - Solar panels degrade over time, typically by 15% over 25 years. A production warranty allows you to replace the panel if it degrades faster than it's expected to. Regardless of the brand of solar panel, you can expect to see at least a 25 year production warranty on solar panels.
Our current panel offerings offer a 30 year production warranty. This information can be found in the equipment specification sheets, often in the form of a graph like the image below.
Caution: Without the ability to monitor each panels production independently, using microinverters or DC Optimizers, it is nearly impossible to know if a panel has degraded faster than it's supposed to. The only method is using an infrared camera, or physically testing the voltage of each panel. String inverters without DC optimizers are sometimes favoured by solar installers because they cannot track individual panel production.
A solar panel product warranty covers the product in case of outright failure, this is always listed separately from production warranties. Typically, cheaper Asian panels have shorter product warranties. We generally try to source European or North American made panels for this reason.
We currently offer;
Bauer (German) - 30 Year Product Warranty
Peimar (Italian) - 30 Year Product Warranty
Longi (Chinese) - 12 Year Product Warranty *some bi-facial modules are now 25 years*
Check out our guide on the Enphase Warranty in more detail.
https://wattsupsolar.ca/insights/enphase-microinverters-built-for-the-long-haul-backed-by-real-warranties
Caution: Be aware that extended warranties often require the installer to submit paperwork to the manufacturer within a short time period, often 3 months. You don't want to find out on year 13 that your installer did not file the paperwork.
All racking we use has a 25 year warranty, we typically use several different brands but there aren't any clear outliers in this department. Common brands of racking are Clenergy, Fastrack, or Pion.
We use Roof Tech Mini II attachments for our racking systems. These are "feet" with an EPDM backstrip, and they carry their own manufacturer's 25 year roof penetration warranty. - Check out this video of them being installed underwater.
https://www.youtube.com/watch?v=6gFHpO5UfSo
Excessive oversizing can negatively affect the inverter’s power production. Inverters are designed to generate AC output power up to a defined maximum, which cannot be exceeded. The inverter limits or clips the power output when the actual produced DC power is higher than the inverter’s allowed maximum output, resulting in energy loss. Oversizing the inverter can cause it to operate at high power for longer periods, affecting its lifetime. Operating at high power increases inverter internal heating and might heat its surroundings. Inverters reduce their peak power generation when overheating.
“We’re matching the rebate!”
“We were pocketing it all along.”
It's one of the cheapest ways to generate power, it's clean and good for the environment, and with all the rebates and incentives it may sound like a "no-brainer". But when it comes to solar installers, you shouldn't turn off your brain. In this article we're going to cover every trick, trap, sales tactic or misdirect in the book. We'll be using real life examples taken from solar quotes in Nova Scotia within the past year, with all identifying information removed. If you spot some of these things in the wild, remember that everyone has off days sometimes and it's difficult to tell what's intentional and what's the new guy phoning it in. The goal of this article is to provide enough background knowledge to the consumer to keep their installer honest.