Closed
Home Energy Loan Program
Low-interest financing for Toronto homeowners' energy-efficient home upgrades
Last Update: March 3, 2026
Funding available
$ 125,000
Timeline
- Receipt of requests is now closed
Location
Toronto, Ontario, Canada
Overview
The Home Energy Loan Program (HELP) offers Toronto homeowners up to $125,000 in low-interest financing to support energy-efficient and low-carbon home renovations. Eligible activities include upgrades such as insulation, heat pumps, window and door replacements, geothermal systems, solar panels, and electric vehicle charging stations.
/100
Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Reduce environmental footprint
Eligible Funding
- Maximum amount : 125,000 $
Timeline
- Receipt of requests is now closed
Eligible candidates
Eligible Industries
- Real estate and rental and leasing
Location
- Toronto
- Ontario
Legal structures
- All legal structures
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- Canadians
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- Upgrading residential properties to improve energy efficiency.
- Implementing low-carbon renovation projects in homes.
- Installation of renewable energy systems such as solar panels and geothermal systems.
- Retrofitting homes with advanced heating, cooling, and insulation solutions.
- Enhancement of residential infrastructure to support electric vehicle charging and energy storage.
Documents Needed
- Completed online application form
- Lender consent form, if applicable
- Renovation Upgrade Report
- Project Completion Report
- Contractor invoices
Official resources
Eligibility
Who is eligible?
- Homeowners of detached houses
- Homeowners of semi-detached houses
- Homeowners of row houses
- Homeowners of duplexes or triplexes
- Owners of low-rise residential buildings (up to three storeys and six units) in Toronto
Eligible expenses
- Heat pump installation and related installation costs
- Electrical upgrades required for the project
- Building permits
- Project expenses for deep retrofit measures
Ineligible Costs and Activities
- Self-installations.
- Projects that do not meet the program’s criteria, terms, and conditions.
Eligible geographic areas
- Properties located in the City of Toronto (postal codes starting with “M” only).
How to apply
1
Complete application form
- Complete the online application form
- Receive and review the funding offer from the City
- Obtain written consent from your mortgage lender if required
2
Energy assessment and funding request
- Book a home energy assessment with an NRCan-registered Energy Advisor
- Receive a Renovation Upgrade Report with recommendations
- Obtain an EnerGuide rating of your home
- Determine eligible incentives and rebates
- Submit a funding request with details and contractor quotes
3
Sign the funding agreement
- Review and sign the Property Owner Agreement (POA)
- Return the signed agreement to the City
- Receive up to 30% of funds if requested to start your project
4
Complete home improvements
- Hire contractors and complete approved home improvements
- Obtain all required permits for the work
- Book your post-retrofit energy assessment
5
Submit project completion documents
- Submit a Project Completion Report signed by your Energy Advisor
- Provide contractor invoices and new EnerGuide rating
- Receive the remaining project funds from the City
6
Repay the loan
- Begin loan repayment through the property tax bill
- Make monthly instalments over the term of the loan
- Option to pay off the loan balance at any time
Processing and Agreement
- Applications are reviewed by the City after submission.
- If approved, applicants receive a funding offer and then a Property Owner Agreement.
- The Property Owner Agreement must be signed and returned before funds are released.
- After project completion, the City reviews the completion report and releases the remaining funds.
Additional information
- Interest rates are fixed for the loan term and will not fluctuate.
- An EnerGuide home evaluation must be completed by a registered Energy Advisor before starting renovations.
- The loan is attached to the property, so if the home is sold, the new owner assumes the remaining loan balance.
- The City offers resources to help homeowners choose contractors for their energy improvement projects.
Contacts
Frequently Asked Questions about the Home Energy Loan Program Program
What is the Home Energy Loan Program?
The Home Energy Loan Program (HELP) offers Toronto homeowners up to $125,000 in low-interest financing to support energy-efficient and low-carbon home renovations. Eligible activities include upgrades such as insulation, heat pumps, window and door replacements, geothermal systems, solar panels, and electric vehicle charging stations.
How much funding can be received?
Home Energy Loan Program Funds up to $125,000 of admissible expenses.
Who is eligible for the Home Energy Loan Program program?
To be eligible for the Home Energy Loan Program program, you must:
No company or organization eligibility; program is targeted to individual homeowners only.
What expenses are eligible under Home Energy Loan Program?
Upgrading residential properties to improve energy efficiency.
Implementing low-carbon renovation projects in homes.
Installation of renewable energy systems such as solar panels and geothermal systems.
Retrofitting homes with advanced heating, cooling, and insulation solutions.
Enhancement of residential infrastructure to support electric vehicle charging and energy storage.
Who can I contact for more information about the Home Energy Loan Program?
You can contact City of Toronto by email at homeenergyloan@toronto.ca or by phone at 416-392-1826.
Where is the Home Energy Loan Program available?
The Home Energy Loan Program program is available the province of Ontario.
Is the Home Energy Loan Program a grant, loan, or tax credit?
Home Energy Loan Program is a Loans and Capital investments