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Selection Criteria

The three criteria to qualify for a Habitat home are:


1.Need for affordable housing.


2.Ability to repay a Habitat mortgage.


3.Willingness to partner with Habitat.


Establishing Need

Need for affordable housing is defined by a family income that is below the government-set

Low Income Cut-Off (poverty line) for their particular region, and existing living conditions

that are inadequate in terms of structure, cost, safety or size.The ratio of shelter

expense to total income is also factored


Ability to repay

Ability to repay a Habitat mortgage requires that the family has a stable income sufficient to

cover the monthly mortgage payments and other expenses that come with home ownership.


Homeowners must demonstrate a willingness to partner with Habitat by contributing 500 hours of

volunteer labor (sweat = equity)


Families are chosen on the basis of the above criteria.


Family selection occurs at the local affiliate by way of an application process which

is non-discriminatory and applications are invited from low-income families from any ethnic, social

or religious background or family structure.


For more information on how to apply, visit the Application FAQ's page


We will be starting our Family Selections process this fall - if you would like to send us an application please send it to

fams.habitat@eastlink.ca