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Home Energy Loan Program (HELP)

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Thank you for your interest in HELP!  
 PROGRAM UPDATE APRIL 2022:
HELP is now full. We are still accepting applications which will be added to the waitlist to be processed in the order they are received, if additional funding becomes available. However, we do not have an estimated timeline for when that might be. 
In the meantime, we encourage you to look at Canada Greener Homes, the Residential Equipment Replacement Rebate Program, the Saskatchewan Home Renovation Tax Credit, and talk to your financial institution to finance your retrofit.

Before applying for the program, ensure that you and your project meet the eligibility criteria and read the HELP Program Guide

The Home Energy Loan Program (HELP) was developed to help Saskatoon homeowners improve energy efficiency, install renewable energy, or reduce water use by offering low interest loans to cover the costs of these upgrades. Loans between $1,000 and $60,000 are available to homeowners residing in the city of Saskatoon for eligible retrofits. These loans are offered at a low interest rate and are repaid through property taxes over 5, 10, or 20 year terms. HELP is not intended for smaller changes such as switching to LED lights, or installing a low-flow shower head. Instead, it is meant for larger home upgrades. 

Why get a HELP loan?

A HELP loan provides a low-interest option to cover the upfront costs associated with renovating your home for energy efficiency or renewable energy. The loan balance can be repaid early at any time, without penalty. 

A HELP loan is attached to the property, not the individual. This means if you move before your loan is paid off, the new owner of that home can continue to make the loan payments as they will receive the benefit from the upgrades.

Investing in energy efficiency, water conservation, and renewable energy in your home will save money in the long term by reducing your utility bills. Homes are also more comfortable and healthier due to less drafts and better air quality. Making these changes to your home is also part of the solution to slow down climate change by reducing household greenhouse gas emissions.  

Am I eligible?

Owners of single-family residential homes including detached homes, semi-detached homes, and row housing, within Saskatoon City limits are eligible for HELP.    

The home being renovated must:  

  • Not have any outstanding or delinquent taxes  
  • Be a single-family residential home  
  • Be located within the city of Saskatoon  
  • Be an existing home, new homes under construction are not eligible for the program 

The applicant must:  

  • Be an individual
  • Be the owner of the home where upgrades are being installed 
  • Be in “good standing” regarding City utility bills, taxes, and any other municipal charges  

If you are already participating in a property tax deferral program with the City such as a lead line replacement loan, you are still eligible to apply for this program.  

What are the terms for a HELP loan?

The minimum loan to participate in the program is $1,000. The maximum loan amount for this program is $40,000, unless you can provide proof that your project will reduce your homes energy consumption by 50% or more, then you can receive a maximum loan of $60,000.  

There is a $500 administration fee to participate in the program. If you can provide proof of low income, this administration fee can be waived.  

Homeowners can choose the repayment term that best suits their needs options include:  

Term Length (years) 2021  Interest Rate   2022  Interest Rate 
5 1.45%      1.68%
10 2.31%      2.23%
20 3.14%      2.72%

Eligible projects

Eligible projects for this program are included in the table below. Any home upgrades outside of this list are ineligible for a HELP Loan.  

Project Category Eligible Projects
Energy Efficiency
  • High-efficiency furnaces/boilers/central air conditioners*
  • Window & exterior door replacements*
  • Basement/attic/exterior wall insulation*
  • Air sealing (e.g. weather stripping or caulking)
  • Gas tank-less water heaters/gas storage water heater/electric heat pump storage water heaters*
  • Drain-water heat recovery systems
  • HRV (heat recover ventilation) system installation*
  • Smart thermostats
Renewable Energy
  • Air-source heat pumps*
  • Geothermal heat pumps*
  • Solar water heater*
  • Solar PV panels
  • Solar inverter
Water Conservation
  • Low-flow toilet replacements*
  • Low-flow fixture and faucet replacements*
  • Irrigation control systems
  • Permanently affixed rainwater catchment sized to hold 50 gallons or more
Other
  • Level 2 EV charging station system and installation costs
  • Battery storage system (paired with renewable generation)
  • Window glazing and embedded markers for birds

*Denotes products must be ENERGY STAR rated for locate climate region or Water Sense Certified

Eligible HELP Rebates

The following rebates are eligible for HELP for income qualified households and/or if the home was built in 1990 or prior. Check out the HELP Rebates factsheet for further details and eligibility requirements.

Rebate Category Rebate Value 
Income-qualified Rebates
Programmable smart thermostat $180
Weather stripping $200
Air sealing $900
A low flow toilet $200
Low flow faucet aerators $15
Low flow showerheads $25
Rainwater catchment (for outdoor landscaping purposes)              $100            
Window glazing and embedded markers for birds $130
Windows (maximum 10 per household) $120 per window max. of $1,200/household
Exterior doors (maximum 2 per household) $100 per door up to max. of $200/household
HRV $400
Drain water heat recovery $300
Furnace $450
Boiler $450
Tankless water heater  $350
Rooftop solar $3,500
Insulation (exterior wall, attic, and basement) Wall $1,000; Attic $900; Basement $1,000
Heat pump $4,000
Electric vehicle (EV) charging station $600
Solar water heater $1,000 
 A bonus incentive to encourage Net Zero Ready or Net Zero home renovations* $10,000
Standard Rebates (for Income-qualified and Homes Built Prior to 1990)
Insulation (exterior wall, attic, and basement)      Wall $1,000; Attic $900; Basement $1,000     
Air sealing $200
Heat pump $4,000
EV charging station $600
Solar water heater $1,000
Net Zero or Net Zero Ready home renovation rebate* $10,000
*Net Zero Renovation Rebate
A $10,000 rebate is available for homeowners who successfully renovate their homes through the Canadian Home Builders Association (CHBA) Towards Cost-Effective Net-Zero Energy Ready Residential Renovations Project.
Please visit our HELP for Net Zero Homes webpage for more information.
If you are interested in a Net Zero renovation, please let us know.

How do I apply?

Before applying for the program, ensure that you and your project meet the eligibility criteria and read the HELP Program Guide. Once you have completed this, you can proceed to the Application Resources and Forms webpage and start the application process.

The program process for HELP includes 5 steps. The roadmap below provides a summary of these steps. 

HELP process

Pre-vetted contractor list

Looking for a pre-vetted contractor to complete your project? The list below includes contractors who have met the City’s qualifications and registered for the contractor list. The City is not responsible for the quality of work performed by contractors on this list. 

Choosing a contractor outside of this list or completing a project yourself are also allowed under the program. However, you will not be reimbursed for any labour costs on do-it-yourself projects

View the pre-vetted contractor list

EnerGuide Home Energy Advisors

EnerGuide home energy efficiency evaluations for the program can be scheduled directly through one of the service organization's below, or if you would like to receive a rebate from the Government of Canada for your energy evaluation, you can register for the Canada Greener Homes Grant Program, and select your evaluation company during your registration.

NRG

 

    Saskatoon: 306-242-1333
    Regina: 306-949-1333
    Email: nrg@sasktel.net
    Website: nrgsk.com

Sun Ridge

 

    Phone: 306-665-2525
    Email: info@sunridgegroup.ca
    Website: sunridgegroup.ca

energuy

    Phone: 1-888-442-9577
    Email: office@energuy.com
    Website: www.energuy.ca

Interested in additional grants? Learn more and register for the Canada Greener Homes Grant.