When Christina Lycan and her family moved just outside Truro, Nova Scotia, in 2021, they were looking for more space to grow—but with a larger home came higher energy bills. “We knew our power costs were going to go up,” Christina says. “So we started looking into how we could offset that and do it in a way that was sustainable for the long term.”
That search led Christina to Cozy Colchester, the Municipality of Colchester’s local Property Assessed Clean Energy (PACE) program. The program provides low-interest loans for solar and energy efficiency upgrades. With no upfront costs and repayment spread over 10 to 15 years, the program is designed to make home energy improvements more accessible to rural homeowners.
For Christina, the timing was ideal. “It really felt like a win-win-win,” she says. “The loan made it affordable, and we could also stack it with provincial and federal rebates.”
A two-phase journey toward efficiency
Christina’s upgrade journey happened in two phases based on the availability of rebates and her family’s evolving energy needs. In the first phase, she installed a solar panel system and accessed the federal government’s Greener Homes grant and loan.
Shortly after, the family installed an electric hot water tank and three mini-split heat pumps to replace their original oil-based heating system. “Once the heat pumps were in, our electricity use went up,” she says, “but we knew we could come back for a second round of solar through Cozy Colchester, and that’s exactly what we did.”
Phase two included an expanded solar array and, thanks to changes in the electrical code, the addition of a Tesla Powerwall battery backup system—something that turned out to be a game-changer. “When we found out the battery backup could be added for less than expected, we asked the county if we could increase our loan,” Christina explains. “They said yes right away. We just sent an updated invoice and had the amended loan documents within days.”
A responsive, streamlined process
Throughout both phases of her retrofit journey, Christina found the municipal process to be straightforward and refreshingly human. “With Cozy Colchester, everything was easy,” she says. “Any time I had a question, I’d get a reply within 24 hours, even if it was just to say, ‘We’re looking into it.’”
One standout feature was how the municipality facilitated communication between homeowners and contractors. “They kept my contractor in the loop at every step,” Christina recalls. “Everyone was always on the same page.”
Unlike some programs that require homeowners to pay out of pocket and seek reimbursement, Cozy Colchester paid contractors directly, removing a major financial barrier. “We weren’t out of pocket, and we didn’t have to juggle logistics ourselves,” she says. “That peace of mind made a big difference.”
Everyday comfort and long-term resilience
The upgrades have brought immediate and lasting benefits to the Lycan household. “After the first solar array was installed, our electricity bill dropped to just the connection fee,” Christina says. “And since replacing the oil system, we’ve significantly reduced our overall energy costs.”
Beyond savings, the upgrades have significantly improved the comfort and livability of the home, especially for her kids. “The heat pumps have been amazing in the summer,” she says. “After a long day of playing outside, it’s a relief for them to come inside and cool down.”
And in a region increasingly affected by extreme weather, the battery backup system has provided an extra layer of resilience. “After Hurricane Fiona, a lot of homes were without power for a week,” Christina explains. “We’re on a well, so without power we don’t just lose lights—we lose water. Now, with the battery, I know my kids can still get a drink, flush the toilet and stay safe. That’s huge.”
Advice for other homeowners
Christina’s message for other homeowners is simple: “Don’t wait. If you have the opportunity and the means, do it now. You never know when these programs or rebates might change.”
She also encourages people to look into municipal programs like Cozy Colchester as an alternative—or complement—to federal options. “We were grateful to have used the Greener Homes loan too, but the municipal process was much smoother,” she says. “Whatever municipalities are doing, it’s working.”
Supporting rural households and community climate action
The Cozy Colchester program was originally launched in 2019 and later expanded with support from GMF. The updated program now funds both solar installations and deep energy retrofits for rural homeowners, while offering tailored support through local energy consultants, vetted contractors and partnerships with Efficiency Nova Scotia.
For Christina, the program offered more than just financial assistance—it provided reassurance, responsiveness and a clear path forward. “We were able to make real changes to our home that support our family and the environment,” she says. “And we did it in a way that was manageable, affordable and supported every step of the way.”
Cozy Colchester is funded by the Green Municipal Fund (GMF), a program of the Federation of Canadian Municipalities (FCM).