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Home Energy Loan Program

Home Energy Loan Program (Help)

The Home Energy Loan Program (HELP) offered by the City of Toronto is a pioneering initiative aimed at supporting homeowners in making their properties more energy-efficient. Through HELP, residents can access low-interest loans upto $125,000 to finance various energy-saving upgrades such as:

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Air-source heat pumps

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Window/door replacements

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Insulation: basement/attic/exterior wall

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Air sealing (e.g. weather stripping or caulking)

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High-efficiency water heaters

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High-efficiency furnaces/boilers/air conditioners

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Tankless water heaters

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Drain-water heat recovery systems

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Toilet replacements

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Solar hot water systems

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Rooftop solar PV panels

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Electric vehicle charging stations (Level 2)

Air-source heat pumps

Window/door replacements

Insulation: basement/attic /exterior wall

Air sealing (e.g. weather stripping or caulking)

High-efficiency water heaters

High-efficiency furnaces/boilers/air conditioners

Tankless water heaters

Drain-water heat recovery systems

Toilet replacements

Solar hot water systems

Rooftop solar PV panels

Electric vehicle charging stations (Level 2)

Five Reasons to Choose HELP

  • Enjoy low-interest rates and repayment terms of up to 20 years.
  • Avoid the large upfront costs of home energy improvements and pay for them over time as you save on your energy bills.
  • Repay the loan via installments on your property tax bill. You can pay off the loan at any time.
  • Receive ongoing support from the HELP team and assistance accessing additional rebates incentives from the Province of Ontario, the Federal Government and utility companies.
  • The loan will be attached to your property, not to you, the property owner. This means that if you sell your home before the loan is repaid, the new owner will assume the loan balance.

If you are eligible?

You may qualify for a low-interest loan through HELP if:

  • you own a detached, semi-detached, or row house in the City of Toronto (the property’s postal code must start with an “M”)
  • all of the property owners on title consent to participate in the program;
  • you do not have more than three instances of a property tax or utility account being 60 days past due in the last three years; and
  • you obtain written consent from your mortgage lender if applicable*.

*If your property is subject to a mortgage, we will send you a customized Lender Consent Form.

You may combine HELP with energy efficiency rebates and incentives from the City of Toronto, the Province of Ontario, the Government of Canada and utility companies. View all loans and rebates available.