Contrary to the myth, Habitat for Humanity does not give away free homes, but instead promotes and encourages homeownership at a more affordable rate through partnering with families in need. We work with low-income, working families who seek to help themselves. Habitat for Humanity provides a hand-up, not a hand-out.
Families chosen to move into Habitat homes become homeowners, and enter into a no interest, no down payment mortgage agreement with HFHRD. Families gradually repay the mortgage that is carried by the organization.
Habitat for Humanity is open to all Canadians and landed immigrants. Eligible families must have at least 3 years permanent residency in Canada to be considered for the program.
Homeowners are chosen based on three main criteria:
The existing living conditions, such as; structural conditions, cost, safety and over crowding are considered; existing accommodation is considered to be below acceptable standards.
Willingness to Partner:
Each selected family must be willing to contribute 500 hours of “sweat equity” towards building their own home or other Habitat activities. These volunteer hours must be completed prior to moving into a Habitat home.
Ability to Pay:
Families must be employed and have the ability to pay a mortgage and maintain a home; the entire family income before deductions must be between $37,000 and $58,000 per year.