every family needs a place to call home
We partner with families and individuals 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.
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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 – $80,000
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
Apply online by completing the expression of interest form
Application is reviewed by the Family Services Department, applicant will be contacted to verify information.
If the process is continued the applicant is asked to fill out Long Form Application and provide documentation to support the information provided.
Application presented to full Family Services Department and if accepted will continue.
The application is recommended by the Family Services Department to the Chief Executive Officer for approval.
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