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Source verified July 4, 2026
Home Energy Loan Program
Low-interest financing for Toronto homeowners' energy-efficient home upgrades
Latest source updateLast Update: July 4, 2026Latest change: The Home Energy Loan Program now shows an extended validity window to September 30, 2026, updated fixed rates, and a refreshed webinar schedule.View change
Latest source update
Last Update: July 4, 2026
Latest change: The Home Energy Loan Program now shows an extended validity window to September 30, 2026, updated fixed rates, and a refreshed webinar schedule.
HELP timeline and interest rates updated
The Home Energy Loan Program page now lists interest rates valid until September 30, 2026, with the 5-year rate changing from 3.46% to 3.34%, the 10-year rate from 4.17% to 4.01%, and the 15-year rate from 4.62% to 4.46%; the 20-year rate remains 4.86%. The webinars section also changed from listing specific March–June 2026 events to saying webinars will return in August 2026. On the application page, a short portal-login warning was removed and a visible 250-character remaining counter was added near a form field. No change was shown to who can apply, the core application steps, or the loan cap of up to $125,000 and 10% of CVA.
Funding available
$ 125,000
Deadline
Open continuously
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. Fixed interest rates are valid until September 30, 2026, with 5-year, 10-year, 15-year, and 20-year terms available.
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Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Reduce environmental footprint
Eligible Funding
- Maximum amount : 125,000 $
- Up to 20% of project cost
Funds Providers
Eligible candidates
Eligible Industries
- All industries
Location
- Toronto
- Ontario
Legal structures
- Sole proprietorship
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
- Step 1: Complete Application
- Submit the online application form.
- If applicable, obtain mortgage lender consent before the City issues a funding offer.
- Step 2: Home Energy Assessment and Funding Request
- Book a home energy assessment with a Natural Resources Canada-registered Energy Advisor.
- Receive the Renovation Upgrade Report, EnerGuide rating, and available rebate information.
- Submit your funding request with the list of improvements, contractor quote details, and estimated incentive amounts.
- Step 3: Property Owner Agreement
- Sign and return the Property Owner Agreement to the City.
- If requested, receive up to 30% of the funds to start the project.
- Step 4: Complete Improvements and Final Report
- Complete the renovations and book the post-retrofit assessment.
- Submit the Project Completion Report, contractor invoices, and the new EnerGuide rating label.
- Step 5: Repay the Loan
- Repay the loan through your property tax bill.
- Payments are made in 11 monthly instalments per year over the loan term.
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. Fixed interest rates are valid until September 30, 2026, with 5-year, 10-year, 15-year, and 20-year terms available.
How much funding can be received?
Home Energy Loan Program Funds up to 20% of admissible expenses, capped at $125,000 per project.
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