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Toronto Home Energy Loan Program (HELP)
Toronto Home Energy Loan Program (HELP)
Watch out for old ratesSome third-party sites still quote older HELP rates. The rates below are the ones on the official City of Toronto page when we checked.
- How much
- Loan up to $125,000 or 10% of CVA (incl. interest + 2% admin charge). Fixed rates valid to 2026-12-31: 5yr 3.95%, 10yr 4.54%, 15yr 4.94%, 20yr 5.20%
- Deadline
- Current rates expire 2026-12-31
- Run by
- City of Toronto
- Where
- Toronto (M postal codes)
- Covers
- windows/doors; heat pumps; insulation; air sealing; geothermal; water heaters; furnaces/AC; solar PV; battery; EV charger; toilets
Who qualifies and key rules
- Detached/semi/row/duplex/triplex/low-rise up to 3 storeys & 6 units
- all owners consent
- no more than 3 x 60-day tax/utility arrears in 3 yrs
- mortgage lender consent
- 20-yr term only if project includes windows, solar, geothermal and/or heat pumps
- repaid on property tax bill
- any contractor
Official source: https://www.toronto.ca/services-payments/water-environment/environmental-grants-incentives/home-energy-loan-program-help/
Last verified: October 20, 2026. If anything here differs from the official source, the official source is right.
Last verified: October 20, 2026. If anything here differs from the official source, the official source is right.
Related
Upgrade types: Low-interest home energy loans Windows & doors Heat pumps Insulation Air sealing & draft proofing Water heaters Solar & batteries
Area: Toronto
Check what else you might qualify for
Independent summary, not official advice. Programs can change or close without notice. Always confirm amounts, eligibility and deadlines with the official source before you buy or book anything.