Searching for Home Ownership

Builds affordable homes with: volunteers, donations, and help from the homeowners (500 hours)

• the mortgage payments are used to build more Habitat for Humanity homes
• not a giveaway program

Builds affordable homes with: volunteers, donations, and help from the homeowners (500 hours) * the mortgage payments are used to build even more Habitat homes * not a giveaway program

Home Ownership program: assists low and moderate-income rental households to purchase affordable homes

• interest-free down payment assistance loans (maximum of $12,500)

Homelessness Prevention: helps low-income households, including social assistance recipients, facing homelessness, housing, and utility-related emergencies

• assistance with moving costs, rental and energy arrears

Provides down payment assistance to individuals and families to buy a home.

Program rules:

• the home must the the sole and principal residence of the approved homeowner.
• maximum amount of 5% of the purchase price.
• affordable Housing Program (AHP) down payment will be registered on title, in the form of a 20 year mortgage.
• the mortgage is interest free for the 20 year period.
• AHP down payment assistance plus 5% of the appreciation on the property will be repayable to the County of Lanark in the event that the purchaser leases, rents or sells the property, or if ownership should change as a result of the death of the homeowner within a 20 year time frame.
• the down payment assistance mortgage will be released on the 20th anniversary date of the home purchase at the request of the homeowner.

Volunteers and community partners work together to build safe, affordable houses as a means of breaking the poverty cycle

Opportunities provided for families to move into home ownership affordably

Homes are purchased at fair market value and families commit volunteer hours to help build Habitat homes

An independent, charitable, housing program dedicated to bringing communities together to help families build strength, stability and independence through affordable home ownership.

• Build simple, decent, and affordable houses and provide interest-free mortgages to families who would otherwise not be able to purchase their own home.
• ReNew It Home Repair loan / Accessibility loan
• Partnered with Northumberland County's Renovate Northumberland home repair program
• An affiliate of Habitat for Humanity Canada.

Cooperative housing for seniors

• 27 one-bedroom apartments
• 13 two-bedroom apartments
• 29 bachelor apartments
• three accessible apartments
• conference room
• common room
• small library
• workshops
• garden
• social activities
• medical centre with foot care
• air-conditioned building
• superintendent on site

Cooperative housing for seniors

• 35 one-bedroom apartments
• 31 two-bedroom apartments
• six accessible apartments
• 69 units under the Affordable Housing program
• conference room
• common room
• small library
• workshops
• garden
• social activities
• medical centre with foot care
• registered nurse services

Housing cooperative consisting of 74 townhouses. Five units are wheelchair accessible. Geared-to-income units

Co-op facilities:

• meeting room

Neighborhood amenities:

• close to schools
• Hunt Club shopping centre
• Hunt Club community centre
• bus routes on Uplands and para-transpo

Apartment complex for seniors.

• one and two-bedroom units
• lounge
• kitchen
• laundry

Residents must be willing to involve themselves in the operation of the co-op

Housing cooperative

• 40 family type semi-detached houses with two to four bedrooms
• 3 units are accessible to the physically disabled
• 10 are geared-to-income
• appliances are not provided

Co-op facilities:

• community centre
• play area

Neighbourhood amenities:

• schools, parks
• community centre
• churches
• shopping

Non-profit housing cooperative that consists of 83 units, ranging from bachelor to four bedrooms, located in several apartment buildings and duplexes. Two units are wheelchair accessible and 30 are geared-to-income.

Non-profit independent living co-operative for seniors, composed of 81 units.

Amenities:

• storage spaces
• pay parking lot
• complete kitchen
• full bathroom

Cooperative apartments for autonomous adults

• bachelors
• one-bedroom apartments
• two-bedroom apartments
• residents have access to a dining room and lounge area

Housing

• 90 unit affordable housing co-operative

Home building organization provides opportunities for families and individuals to move into homeownership affordably.

• Volunteers and community partners work together to build safe, decent, and affordable homes in partnership with working persons in need of affordable housing.
• Home builds are single-family detached houses to multi-unit developments.
• Homes are sold at fair market value with a no down payment mortgage.
• Mortgage payments are geared to income and are recycled to build other Habitat homes.
• Future homeowner partners contribute a minimum of 500 volunteer hours as 'sweat equity'.
• Funds generated at Habitat ReStores are used to fund local homebuilding projects in the community.

The Habitat ReStore - Home improvement and building supply stores that accept and resell new and gently-used building materials, furniture, appliances, home decor items, and clothing and accessories.

• ReStore Locations:
  • Peterborough North, 300 Milroy Dr
  • Peterborough South, 550 Braidwood Ave
  • Lindsay, 55 Angeline St N
  • See separate listings for details

The Peterborough Tool Library - See separate listing for ReStore, 300 Milroy Dr

• helps enhance the quality, affordability and choice of housing
• works to enhance housing finance options
• assists those who cannot afford housing in the private market
• improves building standards and housing construction
• provides policymakers with the information and analysis they need to sustain a vibrant housing market

Affordable Housing Programs in Ontario: click here for information on affordable housing

National fund

• created to support financing arrangements for housing on reserve and settlement lands where appropriate, while respecting the communal ownership of reserve land

COVID-19 (30 April 2020) Habitat Cornwall offices and restore are closed to the public until further notice. Item donations will not be accepted for the duration of the closure.

This information is regularly updated on their Facebook page.

Builds simple, decent and affordable for low income families

• applicants must give 500 hours of volunteer time into the building of their own home
• homes are sold to partner families at no profit and financed with affordable, no-interest mortgage
• homeowners' monthly mortgage payments go into a revolving fund, which is used to build more homes
• selection process determines who qualifies for housing

ReStore:

• building supply store that accepts and resell quality new and used building materials, furniture, appliances, and household items

Housing cooperative

• 70 town homes
• non-profit housing provider

Volunteers and community work together to build affordable housing and promote home ownership


Home Ownership Program
Partners in home ownership, work with volunteers to build an affordable home

ReNew It
0% financed loan to cover home repairs that are needed to maintain health and safety

ReStore
Accepts and sells new and donated building supplies

Salvage Program
Volunteer salvage crew recover re-useable materials at no cost including kitchen and bathroom fixtures, kitchen cabinets

• Provides safe and affordable, culturally appropriate housing to urban and rural First Nation, Inuit and Métis people living off-Reserve
• Consists of new, affordable rental units, home ownership loans and repair funding

Administers the following programs:

• OPHI Homeownership Program
• OPHI Ontario Renovates 2020/2022 Home Repair Program
• Mkaana-wii-giiwe'aad Program