Building families a future in the GTA.

Our heart is in homebuilding. We build affordable homes for working families in need of better housing, and a hand-up to qualify for a mortgage. These families are put under incredible pressure to provide for their children due to housing affordability in the GTA.

Eligibility Requirements  

1. Minimum qualification criteria

  • Family with at least one child under the age of 16
  • Canadian citizens or permanent residents
  • At least one of the applicant / co-applicant must be employed with at least 2-3 year Canadian employment history
  • No bankruptcies or consumer proposals
  • First time homeowners

2. Willingness to partner

  • Sweat Equity: 500 hours of volunteering to be completed before moving in
  • Willingness and ability to become a Habitat ambassador

3. Ability to pay a mortgage

  • No down payment required
  • Each family pays a different amount –payments are set at approximately 30% of total gross household income (employment for all family members not in full-time school, child tax benefit, ODSP, etc.). Minimum mortgage payments vary from project to project.
  • Family pays an interest free mortgage set on the above conditions
  • Ability to pay the closing costs

4. Living in need

  • Currently living in unaffordable, unsafe, overcrowded or unhealthy conditions

Currently Available Project

  • Location: 372 Centertowne , Oshawa region
  • Unit type: 3 bedroom townhouses
  • Estimated Occupancy: December 2020
  • Live View of the Project

Steps to Apply

  • All interested families must first complete this short form to check basic eligibility
  • Based on your response to the form, if you meet the basic requirements, you will receive an email communication with next steps on how to apply
  • After the above step is completed, only those eligible for the current available project are invited to the information session via email

‣ Complete Your Eligibility Form

Give a gift that will change a child's life