homeownership

Helping lower income families in the Manitoba to build a better life through affordable homeownership.

No matter who we are or where we come from, we all deserve to have a decent life. Every single one of us deserves the opportunity for a better future, and decent shelter is something we all need to thrive.

what it means to partner with us

We partner with working, low-income families living in Manitoba and Kenora, Ontario to help build and purchase their own home through a unique affordable homeownership program.

  • Families purchase a home from Habitat for Humanity Manitoba with no down payment required.
  • Since families wouldn’t qualify for a conventional mortgage, we provide a Habitat Manitoba mortgage that removes the barriers to homeownership. We offer a fixed, 15-year renewable mortgage with zero interest so that families can maximize the equity they build while raising their children.
  • Mortgage payments are calculated annually, so that families pay 27% of household income on shelter costs.
  • As part of their partnership with Habitat Manitoba, families contribute 500 labour hours help build their home, other Habitat homes, or by working in the Habitat ReStore.
  • Every family attends financial education workshops to prepare themselves for first-time homeownership.
  • As soon as a family starts to pay off their mortgage, Habitat Manitoba uses those dollars to work on helping build the next home for the another family.
  • As families pay off their mortgages, donor and sponsor dollars are reinvested and used by Habitat Manitoba to build more homes for working, lower income families in our community.
  • We keep our build costs low through volunteer labour and, as much as possible, donated or reduced-cost building materials and services.

 

find out if you qualify?

with a lot of help from our friends