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HVAC Financing Made Easy with MACKAY Heating & Cooling

At MACKAY Heating & Cooling, we are proud to offer HVAC financing options that make upgrading your heating or cooling system affordable and stress-free. Whether you need a new furnace, air conditioner, or heat pump, our flexible financing solutions are designed to fit your budget. With our limited-time offer, you can save big while keeping your home comfortable year-round.

Certified Team Members

Affordable HVAC Financing

Our technicians are certified gas fitters in Ontario, fully insured, and bonded for your peace of mind.

Affordable HVAC Financing in the Niagara Region

MACKAY Heating & Cooling is committed to making energy-efficient heating and cooling systems accessible to everyone. We offer affordable and easy HVAC financing options tailored for Niagara Region customers. With competitive rates and manageable payment plans, you can upgrade your HVAC system without breaking the bank.

Current Limited-Time Offer*

Right now, you can take advantage of our special limited-time offer:

Make no monthly payments and pay no interest for 3 months!
Save the HST on a new furnace, AC, heat pump, or combination system!

Prepare for the upcoming winter with a high-efficiency system from trusted brands like Trane, Goodman, or York. Upgrade now and enjoy long-term energy savings while taking the pressure off your budget with our financing options.

*Financing is available OAC (On Approved Credit). Customers financing their purchase will have monthly payments and interest accrual deferred for 3 months. For example, if you sign up on December 1, 2024, deferred monthly payments start from March 1, 2025, with interest accruing at 13.99% per annum. A loan administration fee of up to $149 applies. Offer valid until December 31, 2024.

How HVAC Financing Works

Choose Your System

Select from a variety of high-efficiency furnaces, air conditioners, or heat pumps.

Apply for Financing

Financing is available OAC. Once approved, enjoy 6 months of no payments or interest.

Save on Installation Costs

MACKAY Heating & Cooling will pay the HST on your new system installation.

Start Payments After 6 Months

Begin affordable monthly payments with flexible terms designed to suit your needs.

System: Trane high-efficiency furnace valued at $7,000 + taxes.
Upfront Financing Fee: $105 (paid at the time of financing).
Loan Terms: Zero down payment, 180-month amortization, 60-month loan term.
Monthly Payment: $94.57 in Ontario.

Note: Financing is subject to a 13.99% annual interest rate after the 6-month deferral period. Terms and conditions apply.

With over 50 years of experience in the Niagara Region, we service and repair any brand or all major brands of furnaces, AC units, heat pumps, and mini-splits.

Trusted Since 1967

Why Choose MACKAY for HVAC Financing?

01

Flexible Payments: Spread the cost of your system upgrade over manageable monthly payments.

02

Deferred Payments: No interest or payments for the first 6 months.

03

Affordable Rates: Competitive financing rates that suit your budget

04

Energy Savings: Upgrade to an energy-efficient system and reduce your monthly utility bills.

05

Top Brands: Choose from trusted names like Trane, Goodman, and York.

Submit your inquiry

Take advantage of our affordable HVAC financing options to upgrade your heating or cooling system today. Whether you’re in Niagara Falls, St. Catharines, or anywhere in the Niagara Region, MACKAY Heating & Cooling is here to help.

Call us now or fill out our online form to learn more about our HVAC financing plans and schedule your installation.

Keep your home comfortable while saving money!

Services We Offer

We Provide Full Range of HVAC Services

Furnace Repair & Installation

Air Conditioning Repair & Installation

Boiler Repair & Installation

Water Heater Repair & Installation

Mini Split Repair & Installation

Heat Pump Repair & Installation

Indoor Air Quality Services

What Our Customers Are Saying

MacKay Heating & Cooling

4.8

Based on 379 reviews

review us on

Heather Dennis

15:41 08 May 26

Brady made this entire process painless. He was polite, friendly and efficient. He took time to explain what would be happening and took pictures so that I could see the changes (very thoughtful as I am mobility challenged). The use of booties and even a red carpet on my basement stairs to ensure there would be no mess for me to clean up was much appreciated. There was no pressure from Fred, the salesman, in any decision making and they were able to give me an appointment fairly quickly. Many thanks to all involved. I would definitely recommend MacKay Heating and Cooling.

nedra lobo

13:45 08 May 26

Amazing service! Steve was not only professional but took the time to answer all my questions. Thank you!

Natasha

10:35 08 May 26

Please read this. I noticed your business has some negative reviews that may harm it. If you want to remove negative reviews from your Google Business contact me via the details in my profile. (Natasha)

Romella Lina

14:42 06 May 26

It was easy booking with MacKay and they were transparent with the pricing. Tyler did a great job with our AC maintenance. He arrived on time and was efficient. We will definitely reach out to them again for future HVAC service.

Emil Ivanov

12:59 30 Apr 26

Dylan was right on time, very polite and professional, checked everything and finished his part in a timely manner. Thanks!

Diane L

02:28 06 Mar 26

I found McKay’s at the St Catharines Home Show back in 2014. We picked them because they were knowledgeable on the subject heat pumps – they installed a new furnace and heat pump for us a few months later – and we have been dealing with them ever since. Everyone we have dealt with has been extremely nice and more importantly, they all go out of their way to provide top quality service. It has been a pleasure dealing with everyone at MacKay Heating & Cooling, with much appreciation.

Jordan Alaimo

17:42 05 Mar 26

I contacted Mackay Heating & Cooling for a quote on a new hot water tank. Tyler arrived at our home within an hour and was very friendly and professional. He provided a detailed quote at no charge, which we really appreciated.

We decided to move forward with the installation, and Chris and Zack came the next day. They removed the old tank and installed the new one within a few hours. The whole process was smooth and efficient.

We’re very pleased with their work and the excellent service from the entire team. I would definitely recommend this company to anyone looking for reliable heating and cooling services.

Melissa Stoddart

04:34 25 Jan 26

I called at 930 pm for an emergency service call. The young man was very polite and thorough on the phone. He arrived on time. He explained clearly what he had done to assess the problem. Diagnosed and fixed the issue within an hour. Super personable and very professional. I highly recommend this company.

Patrick Lynch

16:26 22 Jan 26

After doing initial research, found MacKay Heating & Cooling was top of recommended local companies for tankleess hotwater , HVAC service, installation and maintenance. After meeting with Fred for quotation, i was impressed with experience and knowledge. This convinced me to go with them. When I phoned office to accept quote, the friendly office personnel quickly provided helpful service and advised a install date with expected time of arrival on date. On day of install a text message was sent by tech to advise they were on their way. The first tech Dave arrived at 8:03 to layout floor mats on exposed floor so they could not cause any mess while coming and going. As well to start drain of existing tank. Chris showed up shortly after and the removal of old and install went very well. A highly professional crew and final result was exceptional, piping for water, venting, natural gas and drainage were clean and square.
I highly recommend MacKay’s team of professionals.
Pat Lynch, Grimsby, Ontario

Dennis Munn

17:47 06 Jan 26

One of those absolutely perfect service calls. A job extremely well done with a very knowledgeable, professional and pleasant technician. And as well a very pleasant and knowledgeable person at the end of the phone line when I booked this. The quoted price when booking over the phone was exactly what I ended up paying.I highly recommend MacKay heating and cooling and the technician David.