📌 City of Toronto Low-Interest Loans for Energy Retrofits

The Home Energy Loan Program (HELP) provides low-interest loans of up to $125,000 to help Toronto homeowners improve energy efficiency and reduce utility costs through deep home retrofits.

With flexible terms and repayment through your property tax bill, HELP makes it easier to finance major upgrades like heat pumps, solar panels, insulation, and windows — with no upfront cost.

💰 Loan Details

  • Loan Amount: Up to $125,000 per property
    • Interest Rate: Fixed low interest (e.g., 4.25% in 2024)
    • Terms: 5, 10, or 15 years
    • Repaid via property tax bill — stays with the home if sold
    • Eligible for stacking with grants and rebates (e.g. HER+, Greener Homes)

🧩 Who Qualifies?

  • Owners of detached, semi-detached, or row homes in Toronto
    • Must be up to date on property taxes
    • Applicant must be owner on title
    • Retrofits must be recommended through a pre-retrofit energy assessment
    • Rental properties and multi-unit buildings may be eligible

🛠️ What Can Be Financed?

✅ Heat pumps and electric HVAC systems
✅ Attic, wall, and basement insulation
✅ Windows, doors, and air sealing
✅ Solar PV and battery storage
✅ EV charging systems
✅ Energy-efficient water heaters

🧷 Can Be Combined With:

  • Home Efficiency Rebate Plus (HER+)
    • Canada Greener Homes Grant + Loan
    • Toronto Green Standard (for Part 9 low-rise)
    • Low-income Save on Energy weatherization programs
    • Clean Home Heating Initiative (CHHI)

📞 No Upfront Cost. Low Monthly Payments.

HELP lets you finance high-impact retrofits and pay through your property — not out of pocket. We’ll guide you from audit to final inspection and ensure all rebates and loans are properly stacked.