Closed
Source verified July 9, 2026
Home Energy Loan Program Incentives
Financing for energy-efficient home upgrades
Latest source updateLast Update: July 8, 2026Latest change: The Home Energy Loan Program help pages now show updated 5-, 10-, and 15-year interest rates valid until September 30, 2026, plus minor application guidance changes.View change
Latest source update
Last Update: July 8, 2026
Latest change: The Home Energy Loan Program help pages now show updated 5-, 10-, and 15-year interest rates valid until September 30, 2026, plus minor application guidance changes.
HELP rates and application guidance updated
The HELP main information page now shows updated fixed interest rates for the 5-, 10-, and 15-year terms, with the validity date moved from June 30, 2026 to September 30, 2026. The posted rates changed from 3.46% to 3.34% for 5 years, 4.17% to 4.01% for 10 years, and 4.62% to 4.46% for 15 years; the webinar section also now points to webinars returning in August 2026 instead of listing specific May and June sessions. The application page was also adjusted slightly: the warning about not sharing portal login information and contacting City staff for support was removed, and a form character counter was added. The terms-and-conditions page shows only a new Date modified stamp of January 29, 2025, with no substantive rule change visible.
Funding available
$ 10,000
Deadline
January 24, 2025
Opened July 7, 2022
Location
Toronto, Ontario, Canada
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.
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Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Implement environmental initiatives
- Reduce environmental footprint
- Renovate or adapt facilities
Eligible Funding
- Maximum amount : 10,000 $
- Up to 50% 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
- Home energy retrofits and upgrades.
- Heat pump installations.
- Rooftop solar PV installations.
- Deep energy retrofit projects.
Documents Needed
- Online application form
- Home energy assessment report and EnerGuide rating, where required
- Contractor quotes and cost estimates
- Property Owner Agreement
- Project Completion Report with invoices and EnerGuide rating label
Official resources
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
How to apply
- Step 1: Complete the online application
- Submit the application form through the City of Toronto portal.
- Step 2: Complete assessment and funding request
- Book a home energy assessment, where required.
- Gather contractor quotes and submit your funding request.
- Step 3: Sign the Property Owner Agreement
- Review and return the Property Owner Agreement to the City.
- Step 4: Complete the work and submit completion documents
- Finish the project and submit the Project Completion Report with invoices and required supporting documents.
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
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.
What is the deadline to apply?
The application deadline for this grant program was January 24, 2025.
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 retrofits and upgrades.
Heat pump installations.
Rooftop solar PV installations.
Deep energy retrofit 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.