Ontario Homeowners

Turn your property into income, or create more space for family

Zero Carbon Agency helps Ontario homeowners explore secondary suites, garden units, basement apartments, garage conversions, and home additions designed for rental income, family living, or long-term property value.

Canada Secondary Suite Program: a couple standing in front of their newly built secondary suite, with funding-support messaging from Zero Carbon Agency.

At Zero Carbon Agency, we help Ontario homeowners unlock the full potential of their property by creating additional living spaces such as garden suites, garage conversions, basement apartments, and home additions.

These spaces can be used to generate rental income or provide comfortable, independent living space for family members such as parents, adult children, relatives, or guests.

Our team provides end-to-end support, helping homeowners move from early planning to permits, construction coordination, and rental-readiness.

What can you build?

Additional living spaces we can help with

Garden Suites

Detached backyard living spaces designed for rental income, family use, or added property flexibility.

Basement Apartments

Convert unused lower-level space into a legal, functional, and income-producing suite.

Garage Conversions

Transform an existing garage into usable living space, subject to property layout and local requirements.

Home Additions

Expand your home with added living space for family, rental use, or long-term property growth.

In-Law Suites

Create comfortable independent space for parents, adult children, or extended family.

A finished detached secondary suite in a residential backyard, branded with the Canada Secondary Suite Program by Zero Carbon Agency.
Why add a secondary suite?

More income, more flexibility, more value

Generate monthly rental income
Increase property value
Create space for family
Offset mortgage or financing costs
Support multi-generational living
Make better use of existing space
Prepare for future housing needs

A well-planned secondary suite can help homeowners create new income potential while also adding flexibility for family, lifestyle, and long-term property planning.

Funding & financing assistance

Explore whether your project may qualify for support

To help address Canada's housing supply challenges, different funding, financing, and refinancing options may be available to homeowners who want to add secondary suites or additional housing units to their property.

Zero Carbon Agency helps homeowners understand available options in their province and explore whether their project may qualify for support.

Program and financing review
Eligibility guidance
Application support where applicable
Required documentation
Permit coordination
Project planning
Contractor coordination

In some cases, homeowners may be able to use refinancing or financing options to move a project forward without requiring the full project cost upfront. Because a new suite may generate rental income, some homeowners use that income to help offset financing costs while creating additional monthly cash flow.

Some announced or proposed programs have referenced support of up to $80,000, but availability, eligibility, and program status may change. Our team can help homeowners review current options.

Our end-to-end process

From idea to income-ready suite

1

Property Review

We review your property, goals, and potential suite options.

2

Eligibility & Financing Review

We help identify possible program, financing, or refinancing pathways.

3

Planning & Design Coordination

We help coordinate early project planning, layout, and next steps.

4

Permits & Documentation

We assist with the documentation and coordination needed to move forward.

5

Construction Coordination

We help connect the right contractors and support the build start to finish.

6

Rental-Readiness Support

We help prepare the completed suite for family use or rental income.

A young couple watching builders construct their secondary suite, with a Zero Carbon Agency Secondary Suites badge overlay.
Secondary Suite ROI Calculator

Secondary Suite ROI Calculator

Estimate your potential monthly cash flow, payback period, and long-term return from adding a secondary suite to your property.

Secondary Suite ROI Calculator

Estimates only. Adjust inputs to model your project

Live estimate

These are estimates. Get a real assessment of your property, costs, and financing options.

Request a Suite Assessment

Ready to explore your property's potential?

Request a suite assessment and our Ontario team will review your options, eligibility, and possible financing pathways.

Request a Suite Assessment
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