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    Thinking about renovating? HELP is here!

    The City's Home Energy Loan Program (HELP) offers competitive fixed rate loans of up to $75,000 to homeowners interested in improving the energy and water efficiency of their homes.

    On average, HELP participants are saving $560 per year and using 25-30% less energy, while at the same time significantly improving household comfort.

    To qualify:

    • you must own a detached, semi-detached, or row house in Toronto
    • your City property tax and utility accounts must be in good standing
    • you must obtain the consent of your mortgage lender, if applicable

    Eligible improvements for HEATING & COOLING include:

    • High-efficiency furnaces / boilers / air conditioners
    • Air source heat pumps
    • High-efficiency water heaters
    • Geothermal systems

    Estimated Monthly Payments

    Amount

    5 years

    10 years

    15 years

    $5,000

    $91

    $46

    $31

    $10,000

    $182

    $91

    $61

    $15,000

    $272

    $137

    $91

    $20,000

    $364

    $182

    $122

    $30,000

    $546

    $273

    $182

    $50,000

    $910

    $455

    $304

    $75,000

    $1,364

    $682

    $455

    * repay via your property tax bill, 11 payments per year

    Please visit toronto.ca/home-energy-loan for current interest rates and terms.

    Terms of up to 20 years are available for projects that include solar, windows, geothermal and/or heat pumps.

    5 EASY STEPS

    • Complete the HELP application form to see if you qualify
    • Obtain the consent of your mortgage lender, if applicable
    • Book a home energy audit to identify energy ef ciency opportunities
    • Sign the loan agreement
    • Hire the contractor of your choice and complete your renovations