Call Us At City Hall: 416-392-4032

Home Energy Loan Program

Tired of a cold, drafty home and high energy bills – HELP is here!

Through the City of Toronto’s Home Energy Loan Program (HELP), you can get a low-interest loan to cover the cost of a new high-efficiency furnace, new windows, doors, insulation and more. And if you want to go the extra mile, the loan can also cover the cost of solar rooftop panels, solar hot water heaters, and geothermal heating and cooling!

The great thing about Toronto’s Home Energy Loan Program, is that at the same time that you make your home more comfortable and reduce your energy bills, you’ll also be reducing the emissions that contribute to climate change.

Low-interest rates and great terms

In addition to offering low-interest rates (starting at 2%), and repayment terms of up to 15 years, you can repay the loan at any time without penalty. And if you sell your home and don’t want to pay off the loan, the new homeowner can assume the payments. Sound too good to be true? It’s not!

Save energy, money and more!

The results are impressive. On average, HELP participants::

  • reduce their home energy use by 30%
  • save over $560 per year on their energy bills; and
  • additional incentives of up to $2,250 from utility companies such as Enbridge Gas and IESO.

You can get a loan of up to $75,000 for your improvements. The process begins with an easy online application. The HELP team will then connect you with a Registered Energy Advisor, help you access the incentives provided by the utility companies, and do what they can to make the process smooth and seamless.

Here’s what one HELP participant had to say about their experience retrofitting their Scarborough home:

We wanted to make our home more energy efficient and HELP was a fit for our needs. The renovations would add value to our property. It was an easy experience for us and we are very appreciative!”

The City’s HELP team is available to support you throughout the process.

Contact City staff at 416-392-1826 or learn more at toronto.ca/home-energy-loan.

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Contact

100 Queen Street West,
Suite C45, Second Floor
Toronto, ON M5H 2N2
Phone: 416-392-4032
Fax: 416-392-4123

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