HELP is the City of Toronto's low-interest home energy loan, up to $125,000, repaid in instalments on your property-tax bill. It covers solar, batteries, heat pumps and other upgrades, and it stacks with the provincial rebate.
HELP is financing, not a rebate. Because it is repaid through property taxes, the balance is tied to the property rather than to you personally, and the City's SolarTO page lists it alongside other solar financing and incentives[2].
| Feature | Detail |
|---|---|
| Amount | Up to $125,000 |
| Repayment | Instalments on your property-tax bill |
| Covers | Solar, batteries, heat pumps, insulation, windows, EV chargers |
| Who | Toronto homeowners |
Loan terms, the current interest rate and any limited-time solar incentives are set by the City and change with funding; check the HELP page before budgeting[1].
Use the Home Renovation Savings rebate to cut the cost, then finance the remainder with HELP — or skip the rebate, keep net metering, and finance the full system. If you replace your roof first, the Eco-Roof Incentive may help.
Confirm the current rate and funding with the City. General information, not financial advice.
