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  • City of Toronto Home Energy Loan Program

    The Home Energy Loan Program (HELP) is a City of Toronto program that
    provides loans to homeowners interested in undertaking energy efficiency,
    water conservation and renewable energy works.

    HELP makes it easy and affordable for homeowners to pay for home
    improvements over time and access rebates offered by utility companies
    and the federal government. Once funding is approved, homeowners can
    hire the contractor of their choice and complete their renovations.

    HELP loans are attached to the property, not the owner, and are repaid via the property tax system. Loans can be
    repaid at any time without penalty, or if the home is sold, payments can be assumed by the new owner.
    Toronto homeowners can borrow up to $125,000 to cover the cost of certain home energy improvements, and for
    a limited time, zero-percent interest rates and terms of up to 20 years of amortizations on qualifying measures

    For details on eligibility, qualifying home energy improvements, up-to-date information on the enhanced Home
    Energy Loan Program, and to apply, please visit the HELP website.

    Additional Incentives
    For certain projects enrolled in HELP (roof solar panels, heat pumps and
    deep retrofits), the City of Toronto is offering additional incentives. These
    incentives are available for a limited time and are subject to terms and
    conditions. These incentives can be combined with the Canada Greener
    Homes Grant.

    Additional Resources
    For further resources and information on home energy upgrades and
    updates on programs and rebates, check out the City of Toronto’s BetterHomesTO website:
    • BetterHomesTO
    • Available Rebates for Toronto homeowners
    • Upgrade and Retrofit information
    • City of Toronto Presentation Slides on HELP
    • List of Home Energy Rebates and Energy Advisors
    To contact the City of Toronto HELP office:
    Phone: 416-392-1826
    Disclaimer: TRREB and the City of Toronto neither endorse these (or any other) energy advisors nor indemnify the property owners for any losses that may
    occur as a result of retaining these (or any other) energy advisors.