Benefits & Expectations


  • Habitat homeowners pay an interest free mortgage, as well not paying a monetary down payment for their home.
  • Habitat homeowners, who would not qualify for a traditional mortgage, have the opportunity to purchase a home and gain a significant asset once they have fully paid their mortgage.
  • Mortgage payments are adjusted annually to reflect 25% of household income. If household income rises, so do mortgage payments, which means partner families can successfully pay off their home in less time and learn to budget accordingly.
  • Habitat homes are energy efficient which translates into lower utility costs and greater savings for partner families.
  • Homeowners obtain a great resource by attending sessions on homeownership, from move-in tips to budgeting, home maintenance and protection of assets.
  • Habitat partner families help to build their own homes, leaving them with knowledge of construction as well as how their home “works”.
  • Living in a stable, safe environment means Habitat homeowners have better mental and physical health, better performance at work and at school, improved attendance and are more active in their community.
  • Habitat homeowners experience a strong sense of belonging to a community as they know their neighbours, feel as though everyone is looking out for one another and find it easier to connect with families in their cultural group.
  • Habitat remains connected to all of its partner families, which means they are not alone. If a crisis does occur, Habitat can work with the family to find a solution.

Review the findings of a 2013 CMHC study on the benefits of Habitat Homeownership here.


  • Habitat homeowners must demonstrate their willingness to partner with Habitat for Humanity Ontario Gateway North through 500 hours of sweat equity. All 500 hours must be completed before a family can move into a Habitat for Humanity home. Homeowners begin their sweat equity within weeks of signing their agreement to partner. Opportunities to partner are varied and flexible but steady progress must be maintained. It is the family’s responsibility to track and report their hours.
  • Attendance at all educational workshops offered by Habitat for Humanity is mandatory for all families.
  • Homeowners are ambassadors of Habitat for Humanity to help attract new volunteers and donors and must act accordingly.
  • Regular, open communication between HFHOGN, Family Partners and Habitat homeowners is a necessity. Success of all parties involved is dependent on working together.