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Home Energy Loan Program (HELP)
Lender: City of Toronto
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Program Description
HELP is a new financing option offered by the City of Toronto to help you improve your home's energy efficiency and save money.

Upgrading your insulation and replacing your old furnace are examples of cost-effective improvements - also called retrofits - that can reduce your energy bills, make your home more comfortable and reduce the greenhouse gas emissions that contribute to climate change. For many people, however, the high upfront cost of these improvements can be a barrier to taking action.

Low interest loans are available to Toronto homeowners who are interested in improving the energy and water efficiency of their home.

Through HELP, the City will provide the funding required to complete your improvements and you'll repay the loan over time through installments on your property tax bill.

The potential savings that you realize after you complete your home energy retrofit will help to offset the cost of your monthly repayments to the City.

And by making your home more energy efficient, you will be better protected against rising energy costs.
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Do I qualify?

You may qualify for a low interest loan through HELP if:

  • you own a detached, semi-detached, or row house;
  • all of the property owners on title consent to the program;
  • your property tax and utility payments to the City are in good standing; and
  • you obtain written consent from your mortgage lender, if applicable*.

 

What Types of Home Energy Improvements Are Eligible?

Examples of eligible improvements include:

  • High-efficiency furnaces / boilers / air conditioners
  • High-efficiency water heaters
  • Window and door replacements
  • Air sealing (e.g. weather stripping or caulking)
  • Basement/attic/exterior wall insulation
  • Toilet replacements
  • Drain-water heat recovery system
  • Heat recovery/energy recovery ventilators
  • Air source heat pump
  • Rooftop solar PV panels
  • Solar hot water system
  • Geothermal systems
*If your property is subject to a mortgage, we will send you a customized Lender Consent Form.