Toronto Home Energy Loan Program (HELP)

The Toronto Home Energy Loan Program is an incentive that helps you upgrade your home without large upfront costs: You install efficient equipment now and repay it through your property tax bill over time. Your home becomes more comfortable, your energy use drops, and your monthly expenses become predictable.

Contact us to see if your home qualifies.

What is the Toronto Home Energy Loan Program?

The City of Toronto created HELP to make energy upgrades more affordable for homeowners. Instead of paying everything at once, you receive a low interest loan and repay it through your property taxes. The repayment stays tied to the property, not the person, which protects you if you sell.

The program covers many improvements, including:
- Insulation
- Windows
- Heat pumps
- Water efficiency
- Solar panel installation in Toronto
- Back up battery storage for home

After approval, you must complete the upgrades using licensed contractors, so the city then pays the project costs directly to the contractor and you repay the amount spread over several years. Because of this, your energy savings often offset a large portion of the loan payment. That means you upgrade your home, increase its value, and reduce operating costs without financial pressure.

Who is Eligible for the Toronto Home Energy Loan?

You qualify if you own a residential property in Toronto, whether it’s a semi-detached, detached, duplex, triplex, or low-rise residential building (maximum of three storeys and six units), and your property taxes are up to date.You also need a recent home energy assessment and must use approved solar contractors for the upgrades. The program applies to existing homes, not new construction.

Benefits of Solar Power Through the HELP

Low-Interest Financing

You access stable, city backed financing that costs less than most personal loans or credit lines.

Lower Electricity Bills

Solar panels produce your own power, reducing the amount you buy from the utility every month.

Reduced Upfront Costs

You avoid large deposits because the program pays contractors and spreads payments over years.

Energy Independence

You rely less on rising utility rates and gain predictable long term energy costs.

Reduce Strain on the Grid

Local power production supports Toronto’s grid and helps stabilize peak demand periods.

Fill out the form to estimate your savings.

How Do I Join the Toronto HELP?

To enjoy the benefits of the Toronto HELP, you must:

1. First, schedule a home energy assessment to get a report that shows which upgrades make sense and confirms eligibility
2. Next, submit an application to the City of Toronto with your proposed improvements and contractor quotes
3. After approval, you complete the work and the City pays the contractor directly.

Once finished, the loan balance appears on your property tax bill and you repay it over the chosen term. The payments remain predictable, and the energy savings start immediately.

Get a free report, savings estimate, help to choose the right equipment and to prepare your application with Solr Solvr.