Home Ownership

Would you like to become one of our homeowners?
  • Are your current housing conditions inadequate for your needs?
  • Does your current total family income prevent you from qualifying for a bank mortgage, but still sufficient enough to make regular mortgage payments if the interest rate is zero percent?
  • Are you willing to invest at least 500 hours of “sweat equity” in the building of your home, the home of others, or working in our office or ReStores?

If you answered “YES” to all of these questions, you may qualify to purchase a Habitat for Humanity Home with a no interest mortgage(s).

UPCOMING HOMEOWNERSHIP OPPORTUNITIES

NORTH GRENVILLE DEVELOPMENT

PROJECT

PROFILE

Located on Concession Road across from the Kemptville District Hospital and near Kemptville Area Family Resource Centre, local schools, Riverside Park and other amenities  

  • 15-unit development comprising conventional townhomes and stacked townhomes as well as accessible barrier-free units on the ground floor  
  • Construction slated for spring 2022 with six homes to be completed in 2022 and nine  homes ready in 2023  
  • All homes will access either a private balcony or yard  
  • Parking available for all units  
  • All non-accessible units are 3 or 4-bedroom  
  • All accessible units are 2-bedroom  
  • The North Grenville project will follow a Blended Mortgage Model*  
Click here to learn about our Blended Mortgage Model

Our Blended Mortgage Model will take effect for our North Grenville development. Habitat families will purchase their home at fair market value through two affordable mortgages. The first is an interest-bearing mortgage that will come from a financial institution working in partnership with Habitat, with a second interest-free mortgage provided by Habitat. 

This new model will see improved, long-term benefits for families while ensuring Habitat for Humanity can continue to serve even more local families in a sustainable and effective manner.   

Benefits of the Blended Mortgage Model    

  • Families approved into our program partner with Habitat to purchase their home at fair-market value.  
  • Affordable monthly mortgage payments are capped at 30 percent of household income.   
  • There is no down payment required, removing a significant barrier to homeownership for many families.    
  • The model allows homeowners to build a formal credit history through a partial interest-bearing mortgage provided by a financial institution, making it easier for families to move onto market homeownership should they choose to.   
  • A partial interest-free mortgage held by Habitat ensures continued affordability for homeowners.  
  • Expenses such as utilities, property taxes, homeowner insurance and other household needs are the responsibility of the family.   

Our Affordable Homeownership Program offers more than just housing; it sets families up to be successful homeowners who are invested in their homes and in their community.  

For more information on our Affordable Homeownership Program please read through our Frequently Asked Questions or contact our Family Services team at home@habitatgo.com. 

We will break ground on our next build in North Grenville, Ontario in partnership with Habitat for Humanity Thousand Islands in the spring of 2022. This 15-unit development consists of townhomes and stacked townhomes with accessible units available. The build is located in an established community near parks, schools, stores and the district hospital. Once complete, the project will be home up to 64 individuals including over 30 children.  

All Pre-Qualification applications will be processed by Habitat for Humanity Greater Ottawa, and can be accessed by going to their website .