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Home Energy Loan Program

Low-interest financing for Toronto homeowners' energy upgrades

Offered by
City of Toronto
Official source: toronto.ca

Source change captured

Funding available
$ 125,000
Up to 20% of project cost
Deadline
Open continuously
Location
Toronto, Ontario, Canada
Who can apply
Homeowners of detached houses
See full eligibility

Overview

The Home Energy Loan Program helps Toronto homeowners borrow up to $125,000 for energy-efficient home improvements in detached, semi-detached, row house, duplex, triplex, and low-rise residential properties. Eligible upgrades include air-source heat pumps, insulation, and rooftop solar PV panels.

At a glance

Funding available

Maximum funding
$125,000
Maximum share of project costs
20%
Financing goals
  • Reduce environmental footprint

Eligible candidates

Location
  • Toronto
  • Ontario
Eligible Industries
All industries
Annual revenue
All revenue ranges
Organisation size
All organization sizes
Audience
  • Canadians
Legal structures
Sole proprietorship

Start applying for this program

Take a practical assessment to gain a clear understanding of how well this program aligns with your specific needs and long-term goals.

Availability timeline

2026
Periods: 1

Latest changes

Home Energy Loan Program updates

The Home Energy Loan Program now separates heat-pump-only and rooftop-solar-only application steps, removes some assessment guidance, and updates the 20-year rate to 4.75%.

See more

The Home Energy Loan Program now distinguishes the process for heat-pump-only projects and rooftop-solar PV-only projects, including separate installation attestation instructions and removal of the EnerGuide assessment requirement for both project types. The funding-request guidance also no longer references recommendations from an energy advisor, and the 20-year fixed rate is now 4.75% instead of 4.86%.

Official source: toronto.ca
September 19, 2026

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

  • Home energy improvements such as air-source heat pumps, window and door replacements, insulation, air sealing, geothermal systems, high-efficiency water heaters, high-efficiency furnaces, boilers and air conditioners, tankless water heaters, drain-water heat recovery systems, toilet replacements, solar hot water systems, rooftop solar PV panels, Level 2 electric vehicle charging stations, and battery storage.
  • For heat pump-only projects: heat pumps and installation costs, electrical upgrades if required, and building permits.

Ineligible Costs and Activities

  • Self-installations are not eligible.

Eligible geographic areas

  • Properties located in the City of Toronto (postal codes starting with “M” only).

Activities funded

  • Air-source heat pumps, window/door replacements, insulation, air sealing, 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) and battery storage.

How to apply

  • Complete the online application form.
  • Book a home energy assessment with an Energy Advisor registered by Natural Resources Canada and submit your funding request.
  • Sign and return the Property Owner Agreement (POA).
  • Complete your improvements and submit the Project Completion Report with your contractor’s invoices and new EnerGuide rating label.
  • Repay the loan through your property tax bill via the City’s Pre-Authorized Tax Payment program.

Documents Needed

  • Online application form.
  • Lender Consent Form, if your home is subject to a mortgage.
  • Project Completion Report signed by your Energy Advisor, with your contractor's invoices and your new EnerGuide rating label.
  • HELP Installation Attestation Form for heat pump-only projects or rooftop solar PV panels-only projects.

Processing and Agreement

  • Once the City receives and approves your application, it will send you a funding offer.
  • If your home is subject to a mortgage, your mortgage lender’s consent is required before the City can send you a funding offer.
  • Once the City approves your Funding Request, it will send you a Property Owner Agreement (POA).
  • You must sign the POA and return it to the City before funds can be released.
  • After project completion, submit the Project Completion Report signed by your Energy Advisor, contractor’s invoices and your new EnerGuide rating label; the City will then provide the remaining funds, and loan payments will begin through the City’s Pre-Authorized Tax Payment program in 11 monthly instalments per year over the term of your loan.

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

homeenergyloan@toronto.ca
416-392-1826

Official sources

Home Energy Loan Program

Program guide

HELP Incentives Terms & ConditionsHome Energy Loan Program Application

Supporting document

Choosing a Contractor
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Frequently Asked Questions about the Home Energy Loan Program Program

What is the Home Energy Loan Program?

The Home Energy Loan Program helps Toronto homeowners borrow up to $125,000 for energy-efficient home improvements in detached, semi-detached, row house, duplex, triplex, and low-rise residential properties. Eligible upgrades include air-source heat pumps, insulation, and rooftop solar PV panels.

How much funding can be received?

Home Energy Loan Program Funds up to 20% of admissible expenses, capped at $125,000 per project.

What is the deadline to apply?

The program is accepting continuous intake

Who is eligible for the Home Energy Loan Program program?

To be eligible for the Home Energy Loan Program program, you must: You own a detached, semi-detached, row house, duplex, triplex or low-rise residential building with a maximum of three storeys and six units in Toronto, with a postal code starting with M. All property owners on title consent to participate. 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 mortgage lender consent if applicable.

What expenses are eligible under Home Energy Loan Program?

Home energy improvements such as air-source heat pumps, window and door replacements, insulation, air sealing, geothermal systems, high-efficiency water heaters, high-efficiency furnaces, boilers and air conditioners, tankless water heaters, drain-water heat recovery systems, toilet replacements, solar hot water systems, rooftop solar PV panels, Level 2 electric vehicle charging stations, and battery storage. For heat pump-only projects: heat pumps and installation costs, electrical upgrades if required, and building permits.

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.