City of Toronto: The Home Energy Loan Program (HELP)

Home Energy Loan Program

The Home Energy Loan Program (HELP) is an innovative financing program offered by the City of Toronto to help homeowners improve energy efficiency and ultimately save money. Replacing an aging furnace system or upgrading existing insulation are two examples of improvements. These types of retrofits can reduce energy bills, enhance home comfort, and lessen harmful emissions. But for many city residents, the upfront investment of retrofits is prohibitive – quite simply, there are other priorities that come first.

The Home Energy Loan Program offers a viable solution for homeowners. Manageable, low-interest loans are available to homeowners who are interested in making improvements to the energy efficiency of their home. For those who qualify, HELP can provide funding to complete necessary improvements. Repayment to the City of Toronto is amortized through regular installments on the Property Tax Bill. And the cost savings from the energy retrofits will serve to offset the installment repayments to the City of Toronto.

Estimated annual energy cost due to air leakage heat loss

The benefits of the HELP financing program

  • HELP circumvents the substantial upfront cost of doing the home energy improvements.
  • HELP financing is associated with the property, and the tax bill – not the homeowner.
  • HELP loans may be paid off at any time during the loan period, and without any penalty.
  • HELP has lower interest rates, and longer payment terms, compared to other financings.
  • HELP allows homeowners to make use of other incentives like those from Toronto Hydro.

How the HELP financing program works

Essentially, the Home Energy Loan Program is an alternative to conventional financing. Homeowners apply directly to the City of Toronto and enter into an agreement to perform the prescribed improvements. The City then levies a charge (the cost of improvements) on the participating property. There are also interest charges and an administrative charge.

Repayment to the City is made over a 15-year period and appears as a special charge on the Property Tax Bill. Important to note is that repayment is attached to the property, and NOT the owner. If the property changes owners, the new owner assumes responsibility for the loan and continues to make installment payments to the City.

air leakage energy efficiency


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Why Energy Efficiency Standards?

Thorough Home Assessment

One of our Energy Management Consultants will complete a thorough assessment of your home. There are a number of factors to consider when choosing the right air conditioner. Here are just a few: age and size of the home, number of windows, ceiling height, amount of insulation and the existing equipment's functionality and capacity.

Choosing The Right High Water Treatment System

Choosing the right cooling equipment is an important decision and one you'll benefit from for many years to come. We can help you find a solution that will best meet your water treatment needs. With over 10,000 installations under our belt, you know you'll be in expert hands with Energy Efficiency Standards

Why Energy Efficiency Standards?

At Energy Efficiency Standards, we pride ourselves on providing you with outstanding service.

Same Day Service

When our customers call us by 5:00 PM with no heating, cooling or hot water, we'll be there as fast as the same day, on average, 90% of the time!

Best Advice

From our call center agents to our service technicians, we're committed to providing the best advice to ensure your home comfort.

Red Carpet Treatment

We treat your home as our own by using booties or a red carpet to ensure that dirt and debris aren't tracked throughout your house!