1. How do I get a Habitat homeowner application form?
The first step in the process of becoming a Habitat homeowner is to fill out an eligibility questionnaire. It should take you 5 – 10 minutes to complete. You will need to gather some numbers from your and any co-applicant’s Notice of Assessments (NOA), Canada Child Benefits (CCB), and any Credit Card and Lines of Credit that you have. This will be used to determine if you meet our basic requirements for a current Habitat for Humanity GTA project.
Please review the basic program requirements before filling out the eligibility questionnaire. Requirements may differ from one project to the next based on location, type of building, size of units, etc.
Based on your questionnaire, you will receive an email indicating if you are eligible for the next steps or if you did not qualify. If you pre-qualify, we will then provide you with Online Informational Videos where you will learn more about our Homeownership Program and everything it entails.
2. What is the Habitat homeowner application process?
3. Why didn’t I qualify/meet the requirements?
There could be several reasons why a family does not meet our requirements. Please remember to review our eligibility criteria to learn about the minimum requirements before filling out the eligibility questionnaire.
4. Can I apply to Habitat for Humanity GTA’s Homeownership Program in person?
Unfortunately, we do not have the resources at our facility to have in person registration or submissions. Our process can only be started online. If you don’t have access to internet or a computer at home, please visit a public library or a community/employment centre near you.
5. How long does the process take… When are Habitat homes ready and/or available after being approved?
The average process time from completing the eligibility questionnaire to having the application approved takes approximately 2 – 4 months. Please note, this time frame is not the same as the period from approval to the occupancy date for an approved home. The period before occupancy can vary from between 3-24 months after being approved, depending on the specifics of the project and when the home is ready.
6. Is Ontario Disability Support Program, Employment Insurance, Long Term Disability, Ontario Works benefits count as income to apply?
Ontario Disability Support Program (ODSP):
Long Term Disability (LTD):
Employment Insurance (EI):
Ontario Works (OW):
7. What is Gross household income? What is the minimum household income requirement?
Gross Household income is the combined gross income of the applicant and any co-applicants listed on the application. It also includes Canada Child Benefits (CCB) for children in the household under 12 years old.
Here is an example of household income. Please note that this is not a real example.
The minimum and maximum household income varies for each project based on unit size, area, market value price of the unit and other such factors. We calculate the minimum income requirement based on the mortgage required for the value of the home and to ensure the family can afford the mortgage. We always aim to set our families up for success!
8. Can I apply for Habitat for Humanity GTA’s Homeownership Program if I am on parental leave?
Yes, you can apply if you are on paternity or maternity leave. But your household income will be looked at accordingly. If the return date is within six months of the letter being issued, then we will use 100% of the stated salary on the application. If the return date is not within six months of the letter, then we can only use 60% of the stated salary. You will need to provide documentation from your employer about your Maternity leave, your expected return to work date and your position and salary upon returning.
9. What is equity sharing?
A shared equity model lowers the cost of homeownership for families and in exchange the equity in the home is shared between the Habitat homeowner and Habitat for Humanity GTA. Families can obtain a mortgage that is affordable to them based on their income and we provide an additional mortgage for the difference. Thus, giving families a hand-up to be able to afford and purchase a home that would otherwise not be possible.
You will grow wealth as you live in your Habitat Home by:
How our mortgage model works at a glance:
Getting in the door…
Staying in your home…
Long term affordability…
10. Can I re-apply for Habitat for Humanity GTA’s Homeownership Program if I didn’t qualify previously? If so, how?
If you were informed as not eligible/not qualified you may fill in the online questionnaire again when your family information submitted changes or if it has been over 12 months since you submitted your previous questionnaire.
If you were informed that you are not qualified after you submitted your application form (i.e. after viewing the Online Informational Videos), you may contact us at families@habitatgta.ca, referencing your original file number, to inform us about any changes in the original application that you submitted after six months. Beyond that time frame, you may submit the online questionnaire again to check eligibility for new projects.
11. Does Habitat GTA offer homes to couples and individuals?
Yes, Habitat GTA’s HomeStart Program helps couples and individuals with the opportunity to get a home of their own, a home that allows them to live affordably, build savings and be a part of a thriving neighborhood connected to the best Toronto has to offer.
We hope this article is helpful! Please visit our Homeownership page to learn more about our Program and start your application process.