You may qualify for a low-interest loan through HELP if:

• you own a detached, semi-detached, or row house in the City of Toronto (the property’s postal code must start with an “M”)
• all of the property owners on title consent to participate in the program;
• you do not have more than three instances of a property tax or utility account being 60 days past due in the last three years; and
• you obtain written consent from your mortgage lender if applicable*.
  *If your property is subject to a mortgage, we will send you a customized Lender Consent Form.

You may combine HELP with energy efficiency rebates and incentives from the City of Toronto, the Province of Ontario, the Government of Canada and utility companies. View all loans and rebates available.