UP TO $125,000 LOAN & $10,000 Rebate

You own a detached, semi-detached, or row house in Toronto (postal code starts with “M”).

All property owners on title consent to participate in the program

No late property tax and utility payments to the City in the past five years

You obtain written consent from your mortgage lender if applicable*.

Making your home more energy efficient is one of the most substantial actions homeowners can take to reduce the emissions contributing to climate change. Through the Home Energy Loan Program (HELP), Toronto homeowners can borrow up to $125,000 to cover the cost of home energy improvements, such as:




  • Air-source heat pumps
    Window/door replacements
    Insulation: basement/attic/exterior wall
    Air sealing (e.g. weather stripping or caulking)
    Geothermal systems
    High-efficiency water heaters
    High-efficiency furnaces/boilers/air conditioners

Tankless water heaters
Drain-water heat recovery systems
Toilet replacements
Solar hot water systems
Rooftop solar PV panels
Electric vehicle charging stations (Level 2)
Battery storage




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.

Complete Application

Apply NOW.

Once approved you will receive a funding offer that states the maximum amount your property is eligible to receive through the Home Energy Loan Program (HELP).  Your mortgage lender’s consent is required before the City can send you a funding offer.

Book Pre-Retrofit Evaluation

Schedule a pre-retrofit EnerGuide evaluation with Next Level Consulting.  We evaluate your home to make it more energy-efficient & resistant to climate change. We generously provide retrofit recommendations as only those are eligible for the loan.



Property Owner Agreement

Once the City has approved your Funding Request, you will receive a Property Owner Agreement (POA), which is the funding agreement between the property owner(s) and the City.

You must sign the POA and return to the City. Once the POA is approved by the City, we can provide, if requested, up to 30 per cent of the funds to help you get your project underway.

Complete Retrofits

Homeowners assume full responsibility for the work performed, which includes selecting, hiring and paying contractors², and obtaining all required municipal and/or provincial permits, if applicable.



Book post-retrofit EnerGuide evaluation

Schedule a post retrofit evaluation with Next Level Consulting once the retrofits are complete. We will evaluate the impact of your improvements & provide you updated EnerGuide labels & revised reporting that determines any grant amounts.



Submit Completion Report

Submit a Project Completion Report signed by your Energy Advisor, along with your contractor’s invoices and your new EnerGuide rating label. The City will then provide you with the remaining funds for your project.

Repay Loan

The City will notify you when your loan payments will begin. You will be enrolled in the City’s Pre-Authorized Tax Payment program and repay the City via 11 monthly instalments per year over the term of your loan. Loan payments made via the property tax bill are treated in the same manner and subject to the same penalties, remedies and lien priorities.

You may pay the outstanding balance to clear the loan from your property at any time during the loan term. Early repayment will be subjected to a Revenue Services service fee.

Why Choose The Next Level Consulting?

Ontario's ONLY full service consultant

Price Match Gurantee

We will match any competitor pricing while maintaining the same premium level of service.

Maximum Benefits

We generously provide energy upgrade recommendations allowing you to take advantage immediate upgrades or those in the near future.

Extensive Coaching

We consult practical & meaningful approaches to retrofits. We are committed to maximizing the initial financial incentives & more importantly, the perpetual utility savings.

Quick Results

We work diligently to get timely results.

Everyone wins; including the environment!

No Hassle

We handle the ENTIRE process including all paperwork, registrations, and prioritized rebates.

Contractor Discovery

We help you source service provider(s) effeciently by providing a easy mechansim to get multiple proposals for your upgrades.

More proposals ensures you more insight into competitive pricing & maximum value.

0 +
Rebates Processed
$ 0 +
0 +
CO2 Reduction (Tonnes)
0 +

Do You Care About The Earth Like We Do? Get Involved!