Toronto Home Energy Loan Program (HELP)
ActiveLow-interest City loans up to $125,000 for home energy retrofits
What it pays
- up to $125,000Loan amount
- 3.34% (5 yr) – 4.75% (20 yr)Fixed rates (posted to Sept 30, 2026)
- 2%Administrative charge
The audit question
Audit required
A home energy assessment with an NRCan-registered energy advisor is required for most projects. Exception: heat-pump-only and rooftop-solar-only projects.
Who qualifies
Toronto homeowners. 20-year terms are limited to solar, geothermal, window, or heat pump projects.
Worth knowing
Stacks with Home Renovation Savings rebates — a common path is HELP financing + HRSP rebates + the $600 assessment rebate.
Official program page ↗ Always confirm details there before spending — programs change faster than any tracker.
Start with the required assessment
Toronto HELP requires a registered energy advisor. We'll match you with a licensed service organization for your area.
Email us what you’re planning and your postal code — we’ll reply with registered service organizations for your area and which rebates apply.
Email hello@audityourhome.com