How We Help

Breaking the Cycle of Poverty

Because Every Hardworking Canadian Has the Right to a Home They Can Afford

At Habitat, we believe in making affordable housing accessible to working families who earn less than the low-income cut-off.

• Habitat for Humanity builds homes using volunteer labour and donated materials.
• Homes are sold to partner families with no monetary down payment required. However, they must contribute "sweat equity” in the form of 500 volunteer hours.
• Families receive an affordable and sustainable no-interest mortgage, with monthly payments based on 25% to 30% of the family's monthly income.

• A mortgage they can afford allows our partner families to provide other family needs, such as childcare, transportation, groceries, education, school supplies, medical and dental expenses, clothing, furniture, and more.

• The mortgage payments received from Habitat homes are reinvested to help fund homebuilding for more families.
• This ‘revolving fund' will exponentially help many more hardworking Canadians already in need.
• So the more homes we build today and the more people we assist now, the more will benefit in the future.

• Land on which to build the homes
• The hiring of licensed trades people to ensure all homes built meet industry safety codes
• Any building materials and supplies that are not donated