A woman has been charged following a fire that destroyed a home in Toronto today.

About 11.15am (Friday 25 March 2016), emergency services were called to Shelley Street, following reports of a fire.

They arrived to find the home well alight, with officers from NSW Fire & Rescue extinguishing the blaze.

Police spoke to a 34-year-old female occupant nearby. She was arrested and taken to Belmont Police Station, where she was charged with destroy/damage property by fire.

The woman was refused bail to appear before Newcastle Bail Court tomorrow (Saturday 26 March 2016).