MunicipalOntarioBoth
Toronto Home Energy Loan Program (HELP)
Administered by City of Toronto. Residential only — detached/semi/row/duplex/triplex, low-rise up to 3 storeys/6 units, postal code starting M. Not commercial or farm.
OpenApplications open (page updated 2026-07-28).
Max amount
Up to $125,000 or 10% of CVA, whichever less (incl. interest + 2% admin charge). Solar = 20-yr term. Rates to Jun 30 2026: 3.46% (5yr) to 4.86% (20yr).
Who qualifies
Both
Residential only — detached/semi/row/duplex/triplex, low-rise up to 3 storeys/6 units, postal code starting M. Not commercial or farm.
Notes
Residential only — see Toronto Energy Retrofit Loan for the commercial equivalent.
SolarQuotes.ca aggregates public program information — we do not administer this incentive. Verify details on the official program site before applying. Last database review: 2026-08-01.
Other solar incentives in Ontario
Provincial · Commercial
Save on Energy Retrofit Program — Solar PV Incentives (IESO)
Max: Micro-gen (≤10kW): $1,000/kW-DC. Small/medium (>10kW–1MW-AC): $770/kW-AC. Above 1,000kW-AC capped at 1,000kW-AC and 50% of costs. Must complete within 24 months of pre-approval.
Provincial · Farm
Agricultural Stewardship Initiative (OSCIA, Sustainable CAP Ontario) — Energy Categories
Max: Basic Energy Assessment: 50% up to $10,000. Detailed Audit: 50% up to $20,000. Efficiency Improvements: 35% up to $35,000. Larger-Scale Improvements: 35% up to $90,000. Whether solar PV itself qualifies is unconfirmed.
Provincial · Commercial
Agri-Food Energy Cost Savings Initiative (Sustainable CAP Ontario)
Max: Program envelope up to $10 million; per-project max n.a.
Municipal · Commercial
Toronto Energy Retrofit Loan (ERL) Program
Max: Financing up to 100% of project costs, limits via business case assessment. Fixed rate = City's cost of borrowing; up to 30-yr repayment; up to 1 yr interest/payment-free. Requires min 60% GHG reduction by 2040 plan.
Municipal · Commercial
Commercial PACE (C-PACE) in Ontario
Max: n.a. — no framework enacted yet.
Wondering what solar would actually cost with these incentives?
Get a personalized estimate for your address — system size, cost after Ontario rebates, payback period, and 25-year savings.