
HOME ENERGY LOAN PROGRAM
UP TO $125,000 LOAN & $10,000 Rebate
Who Can Apply
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You own a detached, semi-detached, or row house in Toronto (postal code starts with “M”).
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All property owners on title consent to participate in the program
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No late property tax and utility payments to the City in the past five years
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You obtain written consent from your mortgage lender if applicable*.
Making your home more energy efficient is one of the most substantial actions homeowners can take to reduce the emissions contributing to climate change. Through the Home Energy Loan Program (HELP), Toronto homeowners can borrow up to $125,000 to cover the cost of home energy improvements, such as:
Air-source heat pumps
Window/door replacements
Insulation: basement/attic/exterior wall
Air sealing (e.g. weather stripping or
aulking)
Geothermal systems
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)
Battery storage
HELP makes it easy and affordable for homeowners to pay for home improvements over time and access rebates offered by utility companies and the Federal government. Once funding is approved, homeowners can hire the contractor of their choice and complete their renovations.
Application Process
1.Complete an Application Form
Download, complete and submit your application to the City of Toronto. They will confirm your eligibility and send you a funding offer that states the maximum amount that your property is eligible to receive through the Home Energy Loan Program (HELP). If your home is subject to a mortgage, they will provide a letter and form for you to give to your mortgage lender. Your mortgage lender’s consent is required before the City can send you a funding offer
2. Home Energy Assessment and Funding Request
When you receive your funding offer from the City of Toronto, you are ready to get started; you need to book home energy assessment with an Energy Advisor registered by Natural Resources Canada. Once the home energy assessment is complete, you will receive:
• A Renovation Upgrade Report with recommendations for specific improvements
• An EnerGuide rating based on your home’s current energy performance
• information on available incentives and rebates
3.Submit your funding request
Decide which measures you wish to upgrade and get quotes from the contractors of your choice, based on your goals, budget and recommendations of the Energy Advisor. Make sure you see which rebates and incentives currently available from Enbridge Gas and other service providers.
Your funding request will include:
• a list of the improvements you intend to undertake;
• details and cost estimates based on contractor quote(s); and
• the estimated incentive and rebate amount available to you from the utility companies.
4.Sign and return your Property Owner Agreement
Once the City has approved your Funding Request, we will send you a Property Owner Agreement (POA), which is the funding agreement between the property owner(s) and the City.
You must sign the POA and return to the City. Once the POA is approved by the City, you can be provided up to 30 per cent of the funds to help you get your project underway.
5.Complete your upgrades and submit your project completion report
Homeowners assume full responsibility for the work performed, which includes selecting, hiring and paying contractors², and obtaining all required municipal and/or provincial permits, if applicable.
When your project is complete, book your post-retrofit home energy assessment with your Energy Advisor. The Advisor will verify the improvements and provide a new EnerGuide¹ rating for your home.
Submit a Project Completion Report , signed by your Energy Advisor, along with your contractor’s invoices and your new EnerGuide rating label. The City will then provide you with the remaining funds for your project
6.Repay the loan over time via your property tax bill
Once your project is complete, the City will inform you when your loan payments will begin. You will be enrolled in the City’s Pre-authorized Tax Payment plan and repay the City via eleven monthly instalments per year over the term of your loan. Loan payments made via the property tax bill are treated in the same manner, and subject to the same penalties, remedies and lien priorities, as property taxes.
At any time during the term of the loan, you may pay the outstanding balance, without penalty, to clear the loan from your property.

Interest Term Rates
Home Energy Loan Program offers low-interest rates and flexible terms to fit your budget. Interest rates are fixed and will not fluctuate over the duration of the term.
Rates and terms (valid until December 31, 2020)
3.55%
5 years
3.83%
10 years
4.04%
15 years
4.15%
20 years
Contractor Discovery Made Easy
We simplify the process of sourcing service providers by helping you obtain multiple quotes for your energy upgrades. Our contractors are familiar with the program requirements and processes, ensuring a seamless experience. With more quotes in hand, you'll gain valuable insights into competitive pricing and maximize the value of your investment—all in a streamlined and efficient way.
Price Match Guarantee: Quality You Can Trust
We're committed to offering you the best value for our energy solutions. If you find a lower price for the same service from a reputable competitor, we'll match it.










