Our Approach

We partner with local families to help build better lives for themselves and their children

We build decent, affordable and sustainable homes in the Peterborough & Kawartha Region, in partnership with local families in need of a decent place to live. Habitat homebuyers help build their own homes alongside volunteers and pay for the home through an affordable mortgage.

With a little help, Habitat homeowners can achieve the strength they need to build better lives for themselves and their children. Stable, affordable housing empowers families to overcome the barriers that so often stand between achieving a healthier, happier and more financially secure life.

Habitat home Guiding Principles

Decent

Habitat homes are modestly sized. They are large enough for the homeowner family’s needs, but small enough to keep construction and maintenance costs affordable.

We use quality, locally available building materials. Habitat homes are desiged to reflect the local community and culture.

Affordable

The labour of volunteers and partner families, efficient building methods, modest house sizes, and no-profit loans make it affordable for low-income families to purchase Habitat homes.

By building homes at low cost and not collecting a down payment or interest on the mortgage, we're able to provide a 'hand up' for families that would not otherwise qualify for a conventional mortgage. Habitat homes are sold to families, not given to them free of charge.

Habitat partner families purchase their homes at appraised Fair Market Value. Monthly mortgage payments are geared to income and set at 25% of a family's gross income. Each year, we assess a family's income. Mortgages are held by us and payments go into a revolving fund, which is used to build more homes for more families in need.

Sustainable

We build durable, healthy and sustainable houses at the lowest possible cost. Sustainable ― or ‘green’ ― building means designing and constructing houses that are efficient and durable, that use less resources and are healthy to live in.

Our goals are to reduce the home’s monthly and life cycle costs and increase efficiency and durability while providing healthy environments.

We build sustainably to take better care of our environment, our homeowners, and our volunteers.