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Own a Home

You can own your own home through Habitat for Humanity's affordable mortgage

We partner with working families to help them build and buy their own decent, affordable home through a unique homeownership solution.

Do you Qualify?

To qualify for a Habitat home you must:

  • Have a total family income (before taxes) between $47,871 and $75,130;
  • Have children under the age of 18 at the time of move in;
  • Be a Canadian citizen or a permanent resident;
  • Be living somewhere that doesn’t meet your family’s needs;
  • Be steadily employed, but can’t afford or can’t obtain a conventional mortgage;
  • Be ready and able to contribute 500 volunteer hours (350 for single-parent families) to help build your own home and participate in other Habitat projects and community activities.

If you meet the above requirements, start the application process below:

How the Process Works

  1. You must submit your completed application either online or in person. Apply here.
  2. The Family Selection Committee will review applications and ask for additional information if necessary.
  3. The Committee will select families that meet the criteria and arrange for a home visit. All family members must be available for a family visit from members of the Family Selection Committee.
  4. The Committee will meet to discuss and evaluate the families they have visited.
  5. The Committee will select families to enter the Partnership program and present their findings to the Habitat Board of Directors. Selected families will be contacted and asked to sign a Partnership Agreement and to begin their volunteer hours.
  6. Families are then assigned a set of Family Partners to help them complete their volunteer hours and answer any questions they may have.
  7. Once a house is completed and the family has completed their volunteer hours, they will be asked to move in. Prior to the move, they will sign an interim occupancy agreement. From the time a family is selected until the time they occupy their new home, the process can take up to 24 months or longer.

Families who are not selected will be notified by letter. You can re-apply next year should your circumstances change.

For more information, read through our Frequently Asked Questions, send us a message on Facebook or contact Nancy at or 613-749-9950 ext. 225.

What if I do not meet the Habitat homeownership criteria?

We know that there are far too many people without access to safe, decent and affordable housing. We understand that Canadians need a wide range of affordable housing options that Habitat Greater Ottawa, as a single charitable organization, may not be able to provide.

In Ottawa, there are several government and community organizations and programs that may be able to assist with your current housing needs. Below are several organizations with whom we are currently partnered:

Even if you do not currently meet our homeownership criteria we encourage you to stay in touch with Habitat Greater Ottawa should your situation change. Please feel free to contact us at any time.