Habitat for Humanity PEI is happy to announce that we will be launching a National Home Repair Pilot Program for 2023!
The Habitat Home Repair Pilot Program assists Prince Edward Island homeowners to undertake critical time-sensitive repairs to their home.
The goal is to help homeowners living with low to moderate incomes who struggle to maintain their homes, and allowing homeowners to age in place. Resolving health and safety deficiencies, as well as accessibility modifications, in an affordable way and allowing them to remain in their home with pride and dignity.
Eligible applicants can apply to receive a loan of up to $15,000, with the loan proceeds to be used towards material costs and 3rd party contractor service fees for essential immediate repairs to the building envelope of their home.
With this Pilot Program..
We hope to expand Habitat PEI’s capacity to help homeowners in need of a safe and quality place to live while preserving housing stock that might otherwise deteriorate to a point that is beyond repair.
During this pilot program, Habitat PEI will be identifying its capacity to continue this program beyond 2023.
For an applicant to be eligible for assistance, the following criteria must be met:
- The applicant(s) is/are a PEI resident and a Canadian Citizen or Permanent Resident;
- The applicant(s) is/are the primary owner(s) of the home to be repaired;
- The home to be repaired is in Prince Edward Island, and is the applicant’s principal residence;
- The applicant’s home is insured under an active property insurance policy for the damages incurred;
- Homeowners must meet the basic requirement of the demonstrated need for critical repairs that they cannot secure in the open market due to, for example, the inability to secure commercial financing and /or the inability to navigate the repair-services market
- The willingness to partner and the ability to pay Habitat for the service, may also be relevant subject to factors such as i) affiliate policies; ii) restrictions related to funding – sources secured by affiliates for the program iii) Complete Habitat survey prior to the repair and at the end of the repair process
- The applicant’s gross annual salary fits within the income bands stated
Eligible repair costs
- Eligible repair costs will be for material costs, 3rd party contractor service fee, travel, and administrative fees associated with essential “must have” repairs to restore the weatherability and/or safety of the home’s exterior envelope, including repair or replacement of roofing, siding, windows, doors and/or insulation.
- Ineligible repairs under the Program include: Repairs to the driveway, shed, or detached garage
Are you in need?
Interested? Fill out the application below.
Once Habitat PEI receives each application and supporting documentation, it goes through an intake process to determine that it meets all program criteria & eligibility. Once applications are received, there is a minimum two-week lead time to process applications.
Habitat PEI will require site visits to inspect the property.
If the applicant is considered eligible for financing under the program, Habitat PEI will then follow up with an “Offer to Finance at 0% interest” letter. This letter confirms the applicant’s eligibility for the program, the amount of loan financing being offered, and the terms and conditions of the proposed loan.