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Programs and Initiatives

Homeownership Assistance Loan Program - not available in 2018

The Homeownership Assistance Loan Program will not be offered in 2018. There is no wait list for this program, as loans are delivered on a first-come, first served basis, when funding is available. The federal-provincial Investment in Affordable Housing program funds this program

About the Program
The program offers loans to assist low and moderate income renters with a down payment. The maximum annual household income amount (gross) and asset limit are set each year.
  • Tips and tools are available online at CMHC’s Home Buying Step by Step website.
  • Talk to your bank about whether you are eligible for pre-approval for a mortgage. This program requires pre-approval from a lender approved by CMHC.
  • Applicants must not own a home already or owe money to a social housing landlord. They must also be at least 18 years old.
  • The maximum purchase price is determined each year. As modest sized homes, approx. 1100 sq. ft for a 3 bedroom home, they can be located in the City or County of Peterborough. Eligible house types include: single detached; semi-detached; townhouse; row; or apartment unit (freehold or condominium).
  • A professional home inspection is required for resale homes or coverage by the Ontario New Home Warranty Program for new homes.
  • The loan is forgiven if the home is the sole and principal residence for 20 years, but is otherwise repayable. It is registered on title as a second mortgage on closing.
  • Canada Mortgage and Housing Corporation (CMHC) mortgage insurance treats the loan as equity.

For more information please contact the Housing Division at 705-742-7777 extension 4663 (HOME).


Peterborough Renovates Program - Applications no longer available

Applications are no longer available, as this program is delivered on a first-come, first-served basis. Contact Habitat for Humanity at 705-750-1456 for more information.

The Peterborough Renovates Program (PRP) provides loans and grants to low and moderate income homeowners in the City and County of Peterborough. It helps these homeowners to afford needed repairs, including accessibility and efficiency upgrades. Accessibility grants up to $5,000 and forgivable loans up to $25,000 are available.

The Delivery Agent for PRP is Habitat for Humanity Peterborough & Kawartha Region.

Habitat for Humanity, Peterborough & Kawartha Region
Phone 705-750-1456 or toll free 1-855-750-1456


Street Address  550 Braidwood Ave. Peterborough ON  K9J1W1 
Hours Monday to Friday from 9:00a.m. to 4:00p.m. 

This 2018 Program Backgrounder outlines some key points about the Peterborough Renovates Program. Some types of building repairs and upgrades that may be eligible under this program include: Foundation and structural, heating systems, windows, exterior doors, roofs, septic systems, water supply, electrical and plumbing, and accessibility features.

Other Details:

Program funding begins in April of each year and is delivered on a first-come, first-served basis to eligible applicants, while funding is available. Applications will be processed as funding is available. When funding for each year has been expended, applicants will be placed on a waiting list until more funding is available under that year's allocation (some exceptions may apply). Detailed information about the program is available in the Peterborough Renovates Program Guidelines. Funds have been provided by the Government of Canada and the Province of Ontario.


Rent Supplement Programs

Rent supplements help people with low-incomes by making rent more affordable in the City and County of Peterborough.  Through an application, rent supplements assist people in financial need and people who are on the Centralized Waiting List for social Housing. There are two ways that the rent supplement amount is determined: flat-rate or geared-to-income.

  • Flat-rate rent supplements bring the cost of rent for the tenant down by a fixed rate between $100-$250 per month. Rent supplements are paid to the landlord. Low-income verification is required for tenant eligibility.
  • Geared-to-income rent supplements bring the cost of rent for the tenant to 30% of their monthly income, plus or minus utility amounts.  The rent supplement pays the remaining amount to the landlord.  If the tenant’s income, income source or household composition changes, then both the supplement and the amount of rent they are required to pay may change.  Low-income verification is required for tenant eligibility.

Some rent supplements are attached to units in specific buildings.  Others are “portable”, which means that the tenant can move and the rent supplement can be moved with them into their new home.  Rent supplement availability is limited.

Details on where to apply and the types of rent supplement:


Rent Supplement Type

For Example

Housing Access Peterborough

526 McDonnel Street Peterborough


Geared-to-income supplement, paid to landlord

Based on income verification and eligibility, 30% of Jane's monthly household employment income is $500. Her rent is $750, therefore the rent supplement amount is $250.

Housing Resource Centre 540 George Street Peterborough


Flat-rate supplement, paid to landlord Based on Joe's income verification and eligibility $200 is the set rate of his rent supplement.

This Rent Supplement Program Outline provides additional information about the rent supplement programs in the City and County of Peterborough.

If you are a private landlord who is looking for more information on rent supplement programs, please contact:

  • Housing Access Peterborough at 705-742-0439, and/or
  • Housing Resource Centre at 705-743-2272.