every family needs a place to call home

We partner with families to help them build and buy their own home through a unique affordable homeownership solution. Learn about the steps to homeownership and find out if you qualify.

Family Selection Criteria

Affordable Housing Need

  • Current housing is substandard
  • Current housing is overcrowded
  • Current housing is unsafe
  • High rent relative to your income
  • Would not qualify for a traditional mortgage

Ability to Pay

  • Have a stable/consistent source of income
  • Your income must be within the low income cut-off range. People receiving social assistance may apply if there is an additional source of income in the family
  • You must not have an overwhelming amount of debt (Any bankruptcy has been discharged for at least 3 years)
  • All family members must be Canadian citizens or permanent residents of Canada and have worked or lived in Peterborough, Peterborough County, City of Kawartha Lakes or Haliburton for 1 year
  • Your annual family income must fall between $30,000 – $64,300

Willing to Partner

  • You are willing to partner with Habitat for Humanity; families must achieve 500 'sweat equity' hours by helping to construct their own home or through various Habitat programs and workshops
  • You are willing to accept all the responsibilities of homeownership including insurance, taxes, utilities, maintenance and other common homeowner expenses
  • Your are willing to participate in Habitat’s ‘Family Partner Program’ which offers support and guidance in all aspects of homeownership
  • You are willing to work towards building solid relationships with volunteers donors, community members and neighbours as a Habitat homeowner

Do you dream of owning your own home, but despite all your efforts, are having trouble saving enough for a down payment and don’t qualify for a conventional mortgage? Habitat for Humanity Peterborough & Kawartha Region may be able to help.

Steps to Apply

Step 1

Apply online by completing the expression of interest form

Step 2

Application is reviewed by the Family Services Department, applicant will be contacted to verify information.

Step 3

If the process is continued the applicant is asked to fill out Long Form Application and provide documentation to support the information provided.

Step 4

Application presented to full Family Services Department and if accepted will continue.

Step 5

The application is recommended by the Family Services Department to the Chief Executive Officer for approval.

Step 6

The Family Services Department and the applicant meet to sign a partnership agreement, indicating 500 Sweat Equity hours to be completed. A purchase and sale agreement will be signed at a later date once the land and build schedule are determined.

Questions? Please contact
homeownership@habitatpkr.ca