Tag Archives: low income

Manitoba Rental Housing Improvement Program

What is the Manitoba Rental Housing Improvement Program?

The Rental Housing Improvement Program (RHIP) provides financial assistance to private landlords, private non-profit landlords or housing cooperatives in Manitoba, who rent to tenants of low income, to repair or rehabilitate their property and bring it up to a minimum level of health and life safety.

Manitoba Rental Housing Improvement Program

What properties are eligible?

located in Manitoba outside of First Nations communities
rented at or below the Renovation Rental Limit* for the area
leased, or intended to be leased, to tenants whose gross household income is at or below the Program Income Limits* set by Manitoba Housing for the community
rented, or intended to be rented to occupants who are not relatives of the landlord
not currently earning forgivable financial assistance under a federal, provincial or federal/provincial government housing program
not receiving ongoing operating subsidy or assistance under, provincial, federal/provincial program (does not include rent supplement)

* contact Manitoba Housing for current limits

Manitoba Rental Housing Improvement Program

How much assistance is available under the RHIP Program?

Up to $24,000 per self-contained unit for eligible repairs may be available for qualified landlords. If the unit is located in a northern or remote community, up to $28,000 may be available to qualified landlords.

Please note:

Work done before program approval is not eligible for financial assistance.
All mandatory repairs must be completed in order to receive assistance.
Landlords are responsible for any repair costs that exceed the financial assistance available under RHIP.
RHIP financial assistance is non-repayable unless the property is sold within 15 years of the completion of the repairs.
Rental Housing Improvement Program
How to Apply for Manitoba Rental Housing Improvement Program

Manitoba Housing releases a request for applications for Rental Housing Improvement Program assistance annually. Check this web page for information on the next application intake.

If you want more details, or information on other repair programs, please contact Manitoba Housing or see our repair program page.

Manitoba Housing
Houisng Delivery Branch 200-352 Donald St.
Winnipeg, MB R3B 2H8
E-mail: housingprograms@gov.mb.ca

Manitoba Rental Housing Improvement Program

Telephone: (204) 945-0778 in Winnipeg or
Toll Free at: 1-866-689-5566 outside of Winnipeg or
E-mail: housingprograms@gov.mb.ca

Forgivable Grants for Ottawa Home Owners

Home Owner

Forgivable Grants for Ottawa – the Ontario Renovates program administered by the City’s Housing Services branch ("Housing Services"), provides limited funding to low income seniors and to persons with disabilities who own their home for necessary repairs and accessibility modifications to support independent living.

Eligibility of applicants

Homeowners who are 65 years of age or older
People with disabilities
Families with a household member(s) who is a senior or person with a disability may be eligible if property value and income criteria are also met (criteria listed below)

Forgivable Grants for Ottawa Home Owners
Get your copy of Directory Forgivable Canadian Real Estate Grants now at www.GovernmentGrantsCanada.ca

Forgivable Grants for Ottawa Home Owners

Eligibility of property

Your property may be eligible for the program if it is:

Located in the City of Ottawa;
Valued at or under $408,030 as determined by the province and verified by the owners most recent property tax or MPAC assessment; and
Your sole and primary residence.

Forgivable Grants for Ottawa Home Owners

Eligibility of repairs and accessibility modifications

Your home may be eligible for the Forgivable Grants for Ottawa Home Owners program if it requires repairs and/or modifications to make it safer, more accessible and more energy efficient. Examples of acceptable repairs and modifications include, but are not limited to:

  • electrical and heating systems including chimneys
  • doors and windows
  • foundations, roofs, walls, floors and ceilings
  • plumbing
  • septic systems, well water, and well drilling
  • fire safety
  • cues for doorbells or fire alarms
  • ramps, handrails, chair and bath lifts, height-adjusted countertops

Please note that any repairs or modifications carried out before the loan or grant is approved in writing and a funding agreement is signed are not eligible and will not be reimbursed.

Forgivable Grants for Ottawa Home Owners

Scope of funding

The Forgivable Grants for Ottawa Home Owners program provides funding in the form of a forgivable loan and/or grant for eligible applicants or participants up to a maximum amount of $18,500:

Forgivable Grants for Ottawa Home Owners

Forgivable Grants for Ottawa Home Owners go up to five thousand dollars ($5,000) can only be used for accessibility modifications to the home.
Forgivable loans up to fifteen thousand dollars ($15,000) can be used for both accessibility modifications and essential repairs and must be approved by the program administration.
The loan will be forgiven if you continue to own and live in the house for ten (10) years after the repairs or modifications have been completed.
The amount of the loan is contingent on the total grant amount taken to equal a maximum of $18,500 in total funding received by the applicant.
Eligible households can only receive the loan/grant amount that is verified by quotes for projects.

 

Duration of program

Housing Services is accepting applications and will continue to do so until all funds are spent or until March 31st, 2018, whichever comes first.

Timelines

Once the Housing Services branch has received the application, the applicant will be contacted by letter declaring eligibility or non-eligibility. Applicants will also be notified if documents are missing.

Use of funds

Funds awarded can only be used for the purposes outlined in the Funding Agreement with Housing Services. If the cost of the necessary repairs or modifications is more than the maximum amount of the grant and/or loan provided, you, as the property owner, may have to cover the additional cost. Reporting and follow-up

Forgivable Grants for Ottawa Home Owners

Housing Services may follow up with you annually to determine if you are the title owner of the property. If you sell or move within 10 years of receiving a forgivable loan, you will be required to pay all or a portion of the loan back to the City.

How to apply for funding

Print and complete this application form PDF opens in a new tab or window [PDF – 162KB] and provide all necessary documents
Print this checklist PDF opens in a new tab or window
Contact the program at the phone number or email address below to request an application package be mailed to you

All applications with necessary documents must be mailed or delivered to:
City of Ottawa
Housing Services branch
Ontario Renovates program
100 Constellation Drive, 8th Floor West
Ottawa, ON, K2G 6J8

For more information about the Ontario Renovates program, please call our information line at 613-580-2424 ext. 12300 or email Ontariorenovates@ottawa.ca (link sends e-mail).

Rooming House

The Rooming House Renovation Program falls under the Ontario Renovates Program that is administered by the City’s Housing Services branch ("Housing Services") and provides limited funding to qualifying landlords for essential repairs and renovations as well funding to modify existing unit(s) or building(s) to make them more accessible and in compliance with the Accessibility for Ontarians with Disabilities Act, 2005.

Eligibility of applicants

A rooming house property may be eligible for the program if it is:

  • Located in the City of Ottawa
  • Modest unit relative to community norms in terms of floor space and amenities;
  • Rent affordability based on 60% of the Average Market Rent (AMR) for Ottawa – (rent table is below (updated yearly by CMHC Rental Market Report));
  • A rooming house that require essential repairs and/or energy efficiency upgrades;
  • A rooming house that require modifications to increase accessibility;
  • A rooming house that is in good standing with the City of Ottawa (or) actively working towards compliance as determined by the City.

Monthly Rent Unit Type 60% of Average Market Rent
Residential services home/Rooming House Up to $589.20
Examples of essential repairs

Examples of essential repairs include, but are not limited to:

  • Replacement of windows to energy efficient double pane, low E argon windows;
  • Roof replacements using attic insulation to a minimum of R40Furnace and/or heating equipment;
  • Toilet replacement with low-flush or dual-flush toilet (6 litres per flush or less);
  • Replacement of water heater with an ENERGY STAR qualified instantaneous water heater;
  • Modifications of kitchen and bathrooms;
  • Other items will be reviewed and considered that improve the quality of the dwelling for the tenants.

Examples of accessibility modifications

Examples of acceptable accessibility modifications include, but are not limited to:

  • Ramps;
  • Handrails;
  • Chair and bath lifts;
  • Countertops height adjustments;
  • Cues for doorbells and fire alarms.

Scope of funding

The Forgivable Grants for Ottawa Home Owners program provides funding in the form of forgivable loans to qualifying landlords:

Forgivable loans up to ten thousand dollars ($10,000) per rooming unit (room) up to a maximum of $100,000 per property;

  • Total loan is dependent on how many rental units are in the rooming house and the scope of repairs approved by the Housing Services Branch;
  • The loan will be totally forgiven if rent levels are maintained for the full 15 years as per CMHC Rental Market Report;
  • 1/15 (6.67%) of the total loan will be forgiven each year;
  • Eligible landlords can only receive one loan per address under this program;
  • A second mortgage must be registered on the approved property.

Duration of program

Housing Services will accept applications until all funds are spent, or until March 31st, 2018, whichever comes first.

Timelines

Once Housing Services has received the application, the applicant will be contacted by a case coordinator from the Affordable Housing Unit. Applicants will also be notified if documents are missing. The full review of the application will include a visual property and building assessment and internal review by city staff. Please note that application review timelines may vary.

Release of funds

Funding will be committed to an approved rental property owner upon signing a Funding Agreement document with Housing Services outlining the total amount funded and the terms and conditions attached to the use and release of funds.

Please note that any repairs and/or energy efficiency upgrades carried out before the loan is approved in writing are not eligible for the Forgivable Grants for Ottawa Home Owners program and will not be reimbursed.

Use of funds

Funds awarded can only be used for the purposes outlined in the Funding Agreement with the City of Ottawa’s Housing Services. If the cost of the necessary repairs and/or modifications is more than the maximum amount of the loan provided, you, as the property owner, must cover the additional cost.
Reporting and follow-up

Housing Services will follow up with you on an annual basis for your rent roll to ensure the units within the property remain affordable. If you sell, transfer title or increase the rent beyond the 60% of AMR (updated yearly – CMHC Rental Market Report) within 15 years of receiving a forgivable loan, you will be required to pay all or a portion of the loan back to the City.

How to apply for funding

Contact the program at the phone number or email address below to request an application package be mailed to you

All applications with necessary documents must be mailed or delivered to:
City of Ottawa Housing Services
Ontario Renovates Program
100 Constellation Drive, 8thFloor West
Ottawa, ON, K2G 6J8

For more information about the Ontario Renovates program, please call our information line at 613-580-2424 ext. 12300 or email Ontariorenovates@ottawa.ca (link sends e-mail).

Rental Units

The Ontario Renovates program is administered by the City’s Housing Services branch ("Housing Services") and provides limited funding to qualifying landlords for essential repairs and renovations as well as modifications to improve accessibility of their existing unit(s) or building(s) and make them in compliance with the Accessibility for Ontarians with Disabilities Act, 2005.

Eligibility of applicants

The rental property may be eligible for the program if it is:

Located in the City of Ottawa;
Modest unit relative to community norms in terms of floor space and amenities;
Rent affordability based on the Average Market Rent (AMR) for Ottawa as established by the Canadian Mortgage and Housing Corporation's Rental Market Report(link is external) (also see table below);
Not at the same municipal address as the landlord's residence;
A building or unit that require essential repairs and/or energy efficiency upgrades;
A single unit or multi-unit building that requires modifications to increase accessibility and accommodate tenants who are seniors and/or persons with disability;

Examples of acceptable accessibility modifications include, but are not limited to:

Ramps
Handrails
Chair and bath lifts
Countertops height adjustments
Cues for doorbells and fire alarms

Scope of funding

The Forgivable Grants for Ottawa Home Owners provides funding in the form of forgivable loans to qualifying landlords:

Forgivable loans up to ten thousand dollars ($10,000) per rental unit up to a maximum of $100,000 per property;
Total loan is dependent on how many rental units are in the rental building and the scope of repairs approved by the Housing Services Branch;
The loan will be totally forgiven if rent levels are maintained for the full 15 years;
1/15 (6.67%) of the total loan will be forgiven each year;
Eligible landlords can only receive one loan per unit under this Forgivable Grants for Ottawa Home Owners program
A second mortgage must be registered on the approved property for all forgivable loans exceeding $25,000

Duration of Forgivable Grants for Ottawa Home Owners program

Housing Services will accept applications until all funds are spent, or until March 31st, 2018, whichever comes first.

Ineligible projects

The following projects are not eligible for Ontario Renovates funding:

Retirement Homes, Long-Term Care Homes (including nursing homes), and crisis care facilities
Units not subject to the Residential Tenancies Act, 2006 (except shelters and transitional housing that house victims of domestic violence)
Projects that received funding under AHP (2005), AHP Extension (2009) – Rental and Supportive and IAH – Rental Housing
Units for which the homeowner received Homeownership component funding under the AHP or IAH
Social Housing units as defined under the Housing Services Act, 2011

Timelines

Once Housing Services has received the application, the applicant will be contacted by letter declaring eligibility or non-eligibility. Applicants will also be notified if documents are missing.
Release of funds

Funding will be committed to an approved rental property owner upon signing a Funding Agreement document with Housing Services outlining the total amount funded and the terms and conditions attached to the use and release of funds.

Please note that any modifications carried out before the loan is approved in writing are not eligible and will not be reimbursed.

Use of funds

Funds awarded can only be used for the purposes outlined in the Funding Agreement with the City of Ottawa’s Housing Services branch. If the cost of the necessary modifications is more than the maximum amount of the loan provided, you, as the property owner, must cover the additional cost.
Reporting and follow-up

Housing Services will follow up with you on an annual basis for your rent roll for the funded unit(s) to ensure the units remain affordable. If you sell or increase the within 15 years of receiving a forgivable loan, you will be required to pay all or a portion of the loan back to the City.


How to apply for funding

All applications with necessary documents must be mailed or delivered to:
City of Ottawa
Housing Services branch
Ontario Renovates program
100 Constellation Drive, 8thFloor West
Ottawa, ON, K2G 6J8

For more information about the Forgivable Grants for Ottawa Home Owners please call our information line at 613-580-2424 ext. 12300 or email Ontariorenovates@ottawa.ca (link sends e-mail).

DISCLAIMER

We believe the information contained in this
article to be accurate.It is presented with the
understanding that we are not engaged in
rendering legal,accounting, or investment advice.
When professional assistance is required,
utilize the services of a licensed real estate
broker, lawyer, accountant,
or other consultant as may be required.

Forgivable Grants for Ottawa Home Owners
Tickets for LIVE CRASH COURSE at http://www.Flipping4Profit.ca

Forgivable Grants for Toronto Home Owners

Forgivable grants for Toronto home owners are available for seniors with low income as well as disable persons for home repair.

The information about government, non-profit Forgivable Grants for Toronto Home Owners and private sector programs that provide assistance to Toronto homeowners. Please contact the individual programs to confirm details of the assistance available and who qualifies.

Forgivable Grants for Toronto Home Owners

1. Home Repair Assistance
2. Energy and Utilities
3. Tax Reliefs and Credit

Ontario Renovates Program for Windsor Homeowners
Get your copy of Directory Forgivable Canadian Real Estate Grants now at www.GovernmentGrantsCanada.ca

1. Forgivable Grants for Toronto Home Owners Home Repair Assistance Seniors and Disable persons

Toronto Renovates offers funding to lower income seniors and disabled persons requiring health and safety repairs to their homes. See Affordable Housing Office website for details:

More information: toronto.ca/affordablehousing

 

Forgivable Grants for Toronto Home Owners

Forgivable Grants for Toronto Home Owners  Basement Flooding Protection Subsidy Program

This program, administered by Toronto Water, offers owners of single family, duplex and triplex homes a subsidy to implement flood prevention measures or install flood prevention devices.
The subject property owner should carry out a site assessment with a Toronto-licensed plumber to determine the suitability of isolating their property from the City’s sewer system.

More information: Call 311 bit.ly/1c5zcXh

 

March of Dimes Home & Vehicle Modifications Program

Can be used for ramps, platform lifts, stairway lifts, elevating devices, widening doors, wheel-in showers, rearrangement of kitchen/washrooms. For Persons with a disability or their family members. Based on family income. Administered on behalf of the Ontario Ministry of Community and Social Services. More information: Call 1-877-369-4867 marchofdimes.ca

Forgivable Grants for Toronto Home Owners

Easter Seals

Accessibility aids, bath and toileting aids, communication and writing aids, mobility aids, etc. For: Children under 19 with a disability who are registered with Easter Seals Ontario

More information: Call 416-421-8146
easterseals.org

 

 

2.Energy and Utility Assistance

Energy and utilities assistance is also part of Forgivable grants for Toronto home owners .

Forgivable Grants for Toronto Home Owners Home Energy Loan Program (HELP)

HELP is a new financing tool offered by the City of Toronto to help you improve your home’s energy efficiency and save money. Low interest loans are available to homeowners for energy improvement projects on the home. The HELP pilot program is now available city-wide. More information:

Call 311 bit.ly/1pVhgGO

Forgivable Grants for Toronto Home Owners Water Rebate Program

This City of Toronto program provides a rebate on water bills if a household consumes less than 400 cubic metres of water a year. For : Low-income seniors and low-income persons with disabilities Householdincome $50,000 or less

More information: toronto.ca/taxes/property_tax/tax_relief

 

Forgivable Grants for Toronto Home Owners Emergency Energy Fund

This City of Toronto program helps with gas, hydro and other energy related arrears, security deposits, and reconnection costs. For: Those who have received a disconnection notice or been disconnected and do not have sufficient income and/or assets to pay the arrears. Eligibility is based on income and assets but recipients cannot be receiving social assistance.
More information: Call 416-338-3332

Enbridge Home Winter proofing Program

Insulation and draft proofing for qualified Enbridge customers. For: Low-income Enbridge gas customers with homes built before 1972 and needing upgraded insulation (more than 20 years old)

More information: Call 416-203-3106 or visit greensaver.org/programs/enbridge/

Low-Income Energy Assistance Program (LEAP)

Applies to energy-related arrears (gas or electricity), renovations such as installing energy efficient appliances and insulation. For:Low-income households with arrears difficulties

More information: Call 416-924-2543 or visit hydroone.com/LEAP

Save ON energy Home Assistance Program

Replaces inefficient lights, electric power bars, insulation, and appliances with energy efficient ones, etc. For: Low-income households with high hydro costs. Not for energy-related emergencies

More information: Call 1-855-591-0877 or visit http://www.greensaver.org/consumer/homeassistance/

Ontario Electricity Support Program

Assists in reducing electricity bills through a monthly on-bill credit. For: Low-income households ($52,000 or less)

More Information: Call 1-855-831-8151 (Toll-free within Ontario) or 1-800-855-1155 (TTY to TTY)
or visit OntarioElectricitySupport.ca Or call your local electricity utility.

3. Tax Relief and Credits For Toronto Home owners

Tax relief and credit assistance is also part of Forgivable grants for Toronto home owners .

Forgivable Grants for Toronto Home Owners Property Tax Increase Deferral Program

Deferral of municipal property tax increases 
Note: deferrals must be paid back to the City if you sell the home. 

For: Low-income seniors and persons with disabilities with a household income of $50,000 or less

More information: visit toronto.ca/taxes/property_tax/tax_relief

Forgivable Grants for Toronto Home Owners Property Tax Increase
Cancellation Program

Cancellation of municipal property tax increases. For: Low-income seniors and persons with disabilities with a household income
of $38,000 or less and a property tax assessment of $715,000 or less

More information: toronto.ca/taxes/property_tax/tax_relief

Provincial Land Tax Deferral Program

Deferral of Provincial Land Tax and Education tax increases the deferral must be paid back if you sell your home. For: Low-income seniors (GIS recipients) and persons with disabilities (ODSP recipients)

More information: fin.gov.on.ca/en/refund/plt/seniors.html

Healthy Homes Renovation Tax Credit

To improve accessibility or help a senior be more functional or mobile at home. 15% of eligible home renovation costs can be credited against income tax, including: a secondary suite for a senior, grab bars, wheelchair ramps, wheel-in showers, kitchen or washroom adjustments, hand rails, etc.

Any senior or family member living with a senior 

More information visit https://www.ontario.ca/page/healthy-homes-renovation-tax-credit

Affordable Housing Office
55 John
St.Toronto, ON
toronto.ca/affordablehousing

DISCLAIMER

We believe the information contained in this article to be accurate.It is presented with the understanding that we are not engaged in rendering legal,accounting, or investment advice. When professional assistance is required, utilize the services of a licensed real estate broker, lawyer, accountant, or other consultant as may be required.

Forgivable Grants for Toronto Home Owners
Tickets for LIVE CRASH COURSE at http://www.Flipping4Profit.ca