Installation planning · Rebates · Local guidance
Toronto homeowners may be able to finance heat pumps through HELP, but building type, lender consent and the application sequence matter. This is a municipal loan, separate from heat pump rebates.
National Heat Pump Rebate: upcoming · Applications expected early 2027.
Check rebates for your project
Enter your full address to begin a property check. An account is needed to continue the property plan; personalized rebate matching requires premium access. This does not apply for a rebate or request quotes.
1 open or closing programs listed below · Upcoming offers excluded from this count
Toronto’s HELP covers eligible low-rise homes with an M postal code. Owners must consent, and mortgage-lender consent is needed where applicable.
Start the municipal application and lender discussion before booking equipment installation.
Toronto — Home Energy Loan Program · Checked
Toronto lists air-source heat pumps and geothermal among eligible improvements and allows a 20-year loan term for projects including heat pumps, subject to program approval.
Compare total borrowing cost over the chosen term; confirm current rates rather than relying on an expired rate table.
Start with the scope that suits your property, then compare written proposals using the same assumptions. These are project options, not a catalogue of available models or a promise of eligibility.
| Option | When to consider it | What to request |
|---|---|---|
| Ducted heat pump | Whole-home coverage where existing ducts can carry the required airflow. | Ask for a room-by-room load calculation, duct assessment and matched indoor/outdoor model identifiers. |
| Ductless or multi-zone | Homes without suitable ducts, additions or rooms needing separate control. | Compare head placement, room coverage, condensate drainage and performance when several zones run. |
| Cold-climate and backup strategy | Compare winter capacity for either ducted or ductless systems; cold-climate is a performance category. | Request capacity at local design temperature, backup controls, electrical work, outdoor clearances and noise details. |
Matched model identifiers, winter capacity, backup, commissioning, electrical work, mounting and condensate management. Ask each provider to itemize equipment or materials, labour, extras, permits, exclusions, warranty and responsibility for rebate documents. Confirm eligible equipment, pre-approval and stacking with the program administrator before signing.
Budget separately: project cost → confirmed grant support → remaining cost. Any borrowing is repayable, with its own interest, fees and approval. Unconfirmed rebates are not awarded savings.
Existing usable ducts can make a central heat pump practical. A home without ducts may suit one or more ductless indoor heads. Neither layout is automatically best: the installer should calculate room loads and explain how heat and cooling will reach rooms with closed doors.
Request a room-by-room load calculation using an appropriate Canadian design method such as CSA F280, followed by model selection at the local winter design condition. Floor area or the old furnace’s rating alone does not establish the heat pump size. Envelope improvements can change the load.
Cold-climate models can operate at lower outdoor temperatures than standard equipment, but operating temperature is not the same as full heating capacity. Compare the model’s output with the home’s load. The installer should explain the balance point, defrost behavior and whether electric or fuel-fired backup is needed.
Equipment size, duct changes or indoor-head count, electrical work, outdoor mounting, permits and removal of old equipment all affect a quote. Ask for itemized scopes before comparing prices. A service load assessment determines whether a new circuit, load management, panel work or a utility service upgrade is needed.
Use an electrical assessment for the new heat pump and any planned EV charging. For oil conversions, include safe tank removal. Compare gross installation cost, confirmed rebates and financing cost separately.
These are potential pathways, not approval for every address. Check the named utility, municipality, audience, existing fuel, equipment and income requirements. Province guides include municipal offers only for the named city. Confirm approval timing and stacking rules with each administrator.
Local eligibility needs confirmation against the utility territory, municipal boundary and project details. Where no municipal offer is listed, we have not verified an additional municipal rebate for this location. Potential funding layers are separate; combination is subject to program rules.
Eligible cold-climate air-source heat pumps; confirm the final eligible equipment list before committing.
$2,000 for eligible households, or up to $10,000 for eligible low- to median-income households; income thresholds await detailed rules.
Source: each program's official page (linked) · as of Oct 23, 2026
Cold-climate air-source: up to $2,000 for Enbridge gas-heated homes, or $7,500 for eligible electricity, oil, propane or wood heating. Ground-source: $3,000 or up to $12,000 respectively. Pre-approval required.
Owners of eligible existing homes: Enbridge Gas account and primary gas heat, or Ontario-grid connection and primary electricity, oil, propane or wood heat. Participating contractor must obtain pre-approval.
Open. No end date on the official page
Source: each program's official page (linked) · as of Oct 23, 2026. Amounts change often, so confirm on the official page before you apply. Other provinces: enter your address to see your programs.
Loans must be repaid. Check property boundaries, utility account requirements, interest, fees and approval before beginning work.
Open to applicants Confirm approval before work, current fees and any unknown terms with the administrator. Checked Oct 23, 2026.
Source: each loan's official page (linked) · as of Oct 23, 2026. Loans are repaid with interest, and they're separate from the rebates above. Local eligibility, current terms and approval need confirmation with the named administrator.
A useful quote identifies the full indoor and outdoor model numbers, calculated load, low-temperature output, backup controls, electrical work, permits, commissioning and warranty. It also identifies the party obtaining rebate approval. Contractor participation in a rebate program and Solenery marketplace availability are separate checks.
Start with public guidance and a property check. Confirm your property and choose upgrades before requesting quotes from installers serving your area. Availability varies; Solenery does not install equipment or decide government eligibility.
Read public program information, then check your property. Confirm eligibility, pre-approval and required documents with the administrator before starting work. Entering an address does not submit an application.
Use the comparison below and your property plan to discuss suitability. Compare the equipment and scope proposed by providers; this is not a live model catalogue.
Confirm your property and choose the work before requesting detailed quotes. Compare scope, equipment, exclusions and price as installers serving your area respond. Availability and response times vary.
Illustration: plan equipment and supporting work together
Answers checked against government and official program pages.
The National Heat Pump Rebate is upcoming. Applications open in early 2027. Qualifying installations from November 1, 2026 enter the retroactivity period; eligibility rules still apply. Further details are due November 1. $2,000 for eligible households, or up to $10,000 for eligible low- to median-income households; income thresholds await detailed rules. No pre- or post-installation energy audit is required under this announced program; local programs may differ. Existing heat-pump replacement, final model eligibility and installer participation must be checked against the detailed rules when published.
Official federal updateSolenery helps you find relevant programs, understand how to apply and compare heat-pump options. After property confirmation and upgrade selection, you can request installation quotes and compare them as installers respond; local availability varies.
Plan a quote requestService guides, comparisons and program information on this page are public. Enter your full address to begin a property check. An account is needed to continue the property plan; personalized rebate matching requires premium access. This does not apply for a rebate or request quotes.
About personalized matchingThe administrator decides eligibility and stacking. Confirm who submits each application—you or your provider—and obtain any required approval before work. Keep itemized quotes, eligible model evidence, invoices and receipts. Solenery does not automatically apply or reserve funding, and program maxima cannot simply be added together.
Review program conditionsRequest the same scope from each provider: matched model identifiers, winter capacity, backup, commissioning, electrical work, mounting and condensate management, plus labour, extras, permits, warranty, exclusions and who prepares rebate documents. Compare confirmed support separately from project cost and repayable loans.
Compare project optionsToronto’s HELP covers eligible low-rise homes with an M postal code. Owners must consent, and mortgage-lender consent is needed where applicable. Start the municipal application and lender discussion before booking equipment installation.
Toronto lists air-source heat pumps and geothermal among eligible improvements and allows a 20-year loan term for projects including heat pumps, subject to program approval. Compare total borrowing cost over the chosen term; confirm current rates rather than relying on an expired rate table.
No. These are potentially relevant offers, not an eligibility decision. Your primary heating fuel, electricity or gas account, income, building type, exact equipment and approval date can affect eligibility. A city may cross utility territories.
Request a room-by-room load calculation and model output at the local winter design temperature. Price ducts or indoor heads, backup controls, electrical work, permits and removal separately. Compare operating costs using your own utility rates.
The National Heat Pump Rebate remains upcoming as checked October 23, 2026. Applications are expected in early 2027, with a November 1, 2026 installation retroactivity start. Final eligibility and stacking rules must be confirmed before treating it as guaranteed funding.
Solenery is a marketplace and does not install equipment or claim a local office. Use the address-based flow to establish the available next steps for your property.
Check your address and compare the design, installation scope and confirmed program conditions for your home.
Check rebates for your project
Enter your full address to begin a property check. An account is needed to continue the property plan; personalized rebate matching requires premium access. This does not apply for a rebate or request quotes.
Last updated: .
Every rebate amount, status and deadline on this page was read on the program's official page and is dated next to it. Program amounts and deadlines change. Use each dated source and confirm current terms with the administrator before you apply.
Facts and figures come from government departments, utilities and safety regulators, linked next to each figure and listed here. We don't publish price ranges: costs depend on your home, so we explain what drives them and let contractors quote.
Solenery is a marketplace. It connects homeowners with contractors and doesn't install anything itself.