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Build and homeownership process

We partner with working, low-income families to help them afford a home. Our path to homeownership requires hard work, time and dedication, but this helps ensure the long-term success of the families we partner with.

Families who apply and are accepted to become Habitat homeowners purchase their home through a no down payment, interest-free mortgage geared to their income and contribute at least 500 volunteer hours to Habitat.

Once they move in, Habitat homeowners are responsible for maintaining their own home. We help families and individuals prepare for homeownership by providing homeowner education classes, ranging from financial literacy and budgeting to home-repair and maintenance.

As a Habitat homeowner pays off their mortgage, the money is invested into a revolving fund, which is used by the local Habitat to build more homes for families in their community. 

build buy reinvest
How we ensure our mortgages are affordable 

  • Habitat homes are built based on modest designs, using donated materials and with the support of volunteer labour.
  • In order to partner with Habitat, families or individuals must commit to at least 500 volunteer hours with Habitat.
  • Habitat homeowners’ monthly payments are set at no more than 30 percent of their gross household income, including principal repayment and property tax. 

Qualifications for Habitat homeownership

Habitat homeowners must be active participants in building a better home and future for themselves and their families. To qualify, eligible homeowners must be:

Habitat for Humanity Canada follows a non-discriminatory policy of family selection. Neither race nor religion is a factor in choosing Habitat homeowners. To learn more about the application process and eligibility to become a Habitat homeowner, please contact your local Habitat for Humanity