Services
Expertises
Resources
Who we are
Contact us
Closed

Home Energy Loan Program Incentives

Financing for energy-efficient home upgrades

Offered by
City of Toronto
Official source: toronto.ca

Source change captured

Funding available
$ 10,000
Up to 50% of project cost
Deadline
Unspecified
Location
Toronto, Ontario, Canada
Who can apply
Toronto homeowners.
See full eligibility

Overview

The program supports Toronto homeowners with financing for energy-efficient home improvements and related incentives. Eligible activities include heat pumps, rooftop solar PV, deep retrofits, and other home energy upgrades, with incentives up to $10,000 depending on the measure.

At a glance

Funding available

Maximum funding
$10,000
Maximum share of project costs
50%
Financing goals
  • Implement environmental initiatives
  • Reduce environmental footprint
  • Renovate or adapt facilities

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

Receipt of requests is now closed

Get notified about updates to this grant.

Availability timeline

2026
Periods: 1

Latest changes

HELP adds rooftop solar-only path

The Home Energy Loan Program now explicitly covers rooftop solar-only projects, removes the EnerGuide assessment requirement for that path, and lowers the 20-year loan interest rate.

See more

The Home Energy Loan Program page now explicitly includes rooftop solar-only projects in the funding process. For that path, the page says homeowners no longer need pre- and post-renovation EnerGuide assessments, and the installation attestation and project completion report requirements are now spelled out for solar-only work. The 20-year loan interest rate is now shown as lower. The page also replaces the former furnace-to-heat-pump contest notice with webinar and event information. The page was also updated to reflect a newer modified date.

Official source: toronto.ca
October 11, 2026

Eligibility

Who is eligible?

  • Toronto homeowners.
  • Owners of detached, semi-detached, row houses, duplexes, triplexes, and low-rise residential buildings.

Who is not eligible

  • Non-homeowners.
  • Properties outside Toronto.
  • Self-installation projects.

Eligible expenses

  • Home energy improvement costs covered by the program.
  • Installation costs for eligible measures.
  • Electrical upgrades required for eligible heat pump projects.
  • Building permits required for eligible projects.

Ineligible Costs and Activities

  • Self-installations.
  • Projects that do not meet the program’s technical criteria.
  • Deep retrofit projects combined with other HELP Incentives.

Eligible geographic areas

  • Toronto, Ontario

Activities funded

  • Air-source heat pump installations.
  • Window and door replacements, insulation, air sealing, and geothermal systems.
  • Rooftop solar PV installations.
  • Deep energy retrofit projects that significantly reduce a home’s greenhouse gas emissions.

How to apply

  • Complete the online application form.
  • Book a home energy assessment with an Energy Advisor registered by Natural Resources Canada.
  • Submit your funding request.
  • Sign the Property Owner Agreement and return it to the City.

Documents Needed

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

Processing and Agreement

  • Applications are reviewed by the City of Toronto.
  • Approved applicants receive a funding offer and, if needed, lender consent documents.
  • Funding requests and Property Owner Agreements are reviewed before funds are released.
  • Final payment is made after the Project Completion Report is submitted and approved.
  • The loan is repaid through the property tax bill over time.

Contacts

homeenergyloan@toronto.ca
416-392-1826

Official sources

HELP Incentives Terms & Conditions

Application form

Home Energy Loan Program Application
Add helloDarwin as a preferred source on Google

Frequently Asked Questions about the Home Energy Loan Program Incentives Program

What is the Home Energy Loan Program Incentives?

The program supports Toronto homeowners with financing for energy-efficient home improvements and related incentives. Eligible activities include heat pumps, rooftop solar PV, deep retrofits, and other home energy upgrades, with incentives up to $10,000 depending on the measure.

How much funding can be received?

Home Energy Loan Program Incentives Funds up to 50% of admissible expenses, capped at $10,000 per project.

Who is eligible for the Home Energy Loan Program Incentives program?

To be eligible for the Home Energy Loan Program Incentives program, you must: Toronto homeowner approved in HELP. Project must meet program requirements. Property Owner Agreement required.

What expenses are eligible under Home Energy Loan Program Incentives?

Home energy improvement costs covered by the program. Installation costs for eligible measures. Electrical upgrades required for eligible heat pump projects. Building permits required for eligible projects.

Who can I contact for more information about the Home Energy Loan Program Incentives?

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 Incentives available?

The Home Energy Loan Program Incentives program is available the province of Ontario.

Is the Home Energy Loan Program Incentives a grant, loan, or tax credit?

Home Energy Loan Program Incentives is a Grant and Funding