Saskatoon Home Energy Loan Program
Run by City of Saskatoon · Also called HELP
The Saskatoon Home Energy Loan Program offers homeowners low-interest loans of up to $60,000 for heat pumps, insulation, air sealing and more in Saskatoon, Saskatchewan. You need an energy assessment before any work starts.
Loans up to
$60,000
Verified
At a glance
| Maximum amount | $60,000 CAD (2026)$1,000 to $60,000 loan |
|---|---|
| Funding type | Loan |
| Status | Open |
| Who can apply | Homeowners |
| Energy assessment required | Yes, before you start |
| Income-tested | Partly: the $750 tier is for income-qualified households |
| Deadline | No end date published |
| Where | Saskatoon, Saskatchewan |
| Level | Municipal |
| Run by | City of Saskatoon |
| Official page | saskatoon.ca/HELPHome |
| Last verified | |
| Verified by | Rebate Researcher, RebateHub |
| Confidence | HighEvery figure matches the official program pages. |
Saskatoon Home Energy Loan Program. RebateHub.ca, https://rebatehub.ca/rebates/sk-saskatoon-home-energy-loan-program#key-facts. Last verified October 12, 2026. Official source: https://www.saskatoon.ca/HELPHome
What you can get
| Upgrade | What you get | Up to |
|---|---|---|
| Energy, renewable and water upgrades$1,000 to $40,000Up to $60,000 with proof of a 50%+ energy reduction. 2026 rates 3.24% to 4.83% depending on term. | $1,000 to $40,000 | $40,000 |
| EnerGuide evaluation rebate$1,000Only for participants who complete retrofits with a HELP loan. | $1,000 | $1,000 |
| Administration fee waiver$750 fee waivedHousehold income at or below: 1 person $68,695; 2 $85,515; 3 $105,133; 4 $127,645; 5 $144,770; 6 $163,283; 7+ $181,788. | $750 fee waived | $750 |
How it works
HELP lends Saskatoon homeowners between $1,000 and $40,000 for energy efficiency, renewable energy and water-saving upgrades, or up to $60,000 with proof that the project will cut home energy use by at least 50%. Loans are repaid through property taxes, can be paid off early without penalty, and are registered as an interest on the property title, so the balance must be repaid or taken over by the buyer when the home is sold.
2026 interest rates are 3.24% (5 years), 4.03% (10 years), 4.68% (15 years) and 4.83% (20 years). The rate is fixed once you sign your agreement with the City. Pre- and post-retrofit EnerGuide evaluations are required, and loan participants get $1,000 back toward those evaluation costs. A $750 administration fee applies but is waived for income-qualified households.
Eligible work includes cold-climate air source and geothermal heat pumps, high-efficiency furnaces and boilers, insulation, air sealing, windows and doors, water heaters, drain-water heat recovery, HRV/ERVs, smart thermostats, solar PV and solar water heating, batteries paired with renewables, Level 2 EV chargers and water-saving fixtures.
Who qualifies
- Individual owner of an existing single-family home in Saskatoon (detached, semi-detached, row house or non-apartment condo); homes under construction are not eligible
- No outstanding or delinquent property taxes; City utility accounts and other charges in good standing
- Pre- and post-retrofit EnerGuide evaluations by a registered energy advisor
- Sign the Deferral Agreement before paying deposits or starting work; products must meet program specifications
How to apply
Step 1: Read the HELP program guide on saskatoon.ca
Step 2: Submit the initial online application with your property tax roll number
Step 3: Book the pre-retrofit EnerGuide evaluation, choose upgrades and submit your funding request
Step 4: Sign the Deferral Agreement, then hire contractors or buy DIY materials
Step 5: Submit completion documents and the post-retrofit evaluation; repayments start on your property tax bill
Get quotes from Saskatchewan installers
Free, no obligation. We pass your request to up to 3 independent installers who serve your area and, where a program requires it, are registered with it.
- 1. Your project
- 2. Your contact details
- Installers checked against your program’s contractor list, where it has one
- Installers pay us, never you
- Sent to up to 3 installers who serve your area. We don't sell or rent lists.
Book an energy assessment
Many rebates need an EnerGuide assessment before any work starts. We'll pass your request to up to 2 energy advisors who serve your area. Free to ask, no obligation; the advisor quotes their fee, and some programs rebate part of it.
- 1. Your project
- 2. Your contact details
- Book it before you sign any contract. Work done before the assessment can disqualify you.
- Energy advisors pay us, never you
- Sent to up to 2 installers who serve your area. We don't sell or rent lists.
Stacks with HELP
The program says these can be combined with it for the same home. Check each one’s rules for the same upgrade before you count on both.
- Last verified October 12, 2026OpenUtilitySaskatchewan
SaskEnergy Residential Equipment Replacement Rebate Program
Rebates of $325 to $1,000 per unit when SaskEnergy customers replace natural gas heating or water heating equipment with a high-efficiency furnace, boiler, combi boiler, or tankless or condensing water heater.
$1,000
max rebate per unit
Rebate - Last verified October 12, 2026UpcomingFederalCanada-wide
National Heat Pump Rebate
A new federal rebate announced on October 8, 2026 that will pay $2,000 toward an eligible cold-climate air-source heat pump, or up to $10,000 for households below the median income. Applications are not open yet.
$2,000
max rebate
Up to $10,000 if income-qualified
Rebate
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Sources
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