Low-interest home energy loans rebates in Ontario
Municipal low-interest and property-tax (LIC) loans for energy retrofits in Ontario.
Toronto Home Energy Loan Program (HELP)
Open
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%
City of Toronto · Last verified October 20, 2026
Better Homes Ottawa Loan Program
Open
Loan $10,000-$125,000 or 10% of CVA; 4.33% fixed, 20 years; 4% admin charge; $600 loan reduction if not receiving HRSP assessment rebate
City of Ottawa (delivered by EnviroCentre) · Last verified October 20, 2026
Durham Greener Homes Loan
Open
LIC loan up to $125,000 at 2%, 15-year fixed; up to 50% advance
Region of Durham · Last verified October 20, 2026
BetterHomes London
Open
LIC loan up to $40,000 at 2.5% fixed, 10/15/20 years. Other incentives: check the official page.
City of London · Last verified October 20, 2026
Better Homes Peterborough
Open
Loan $10,000 to $50,000 at 4.50% fixed, 15 years; $450 fee. Performance incentives: check the official page.
City of Peterborough · Last verified October 20, 2026
Guelph Greener Homes
Waitlist
0% loan up to $50,000 (waitlist). Grants: check the official page.
City of Guelph · Last verified October 20, 2026
RetrofitWR (Waterloo Region)
Open
Loan up to $40,000 at 2.5%, repaid on hydro bill over 10 or 15 years
GrandBridge Energy / Waterloo Region partners · Last verified October 20, 2026
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.