$0 Down HVAC
Financing in Toronto

You pay nothing upfront for a new furnace, AC, heat pump, or water heater. Instead, you make predictable monthly payments that cover the equipment, professional installation, annual maintenance, all repairs, and an extended warranty. At the end of the 15-year term, you own the equipment outright.

Everything: equipment, install, annual tune-ups, all repair calls (parts + labour), and extended warranty coverage. There are no surprise fees. If something breaks, it is covered for the entire term.

Residential homeowners in Enbridge service areas across Ontario. Builders and commercial properties are excluded. We confirm eligibility in 30 seconds during your free consultation.

Yes. Enbridge Sustain provides a transparent buyout schedule with no hidden fees. You can buy out the equipment at any time during the term based on the published payoff amount.

The lease-to-own agreement transfers to the new homeowner. This is often a selling point — the buyer gets a maintained HVAC system with full warranty coverage, no out-of-pocket replacement cost.

No. Rentals (Reliance, Direct Energy, EnerCare) charge you forever and you never own the equipment. Lease-to-own ends with you owning the system. Monthly payments are typically lower than long-term rental costs because you build equity.

Yes. Heat pump installs still qualify for the Home Renovation Savings rebate — up to $2,000 for gas-heated homes or up to $7,500 for electric/oil/propane/wood-heated homes. Toronto homeowners can also pair with the BetterHomesTO HELP zero-interest loan (up to $125,000, repaid over 15 years through property tax) for additional savings.

For most furnace, AC, or water heater installs, we can be at your home within 24-48 hours. Heat pumps typically take 5-7 days from quote to install due to equipment ordering. Emergency situations are prioritized.