Funding for Home Repairs

If you meet certain income eligibility criteria and own a home, you can apply for the Ontario Renovates Program. You may qualify for up to $25,000 in forgivable loans to keep your home in good repair or install accessibility features.

Who is eligible

You may qualify based on:

  • Your income
  • The value of your home (maximum of $505,469)

See the Ontario Renovates Fact Sheet for more information on eligibility and for a list of projects that could be covered. Call 519-575-4400 or email Ontario Renovates if you have any questions.

Examples of repairs

Repairs and rehabilitation

Examples of eligible repairs and rehabilitation include, but are not limited to:

  • Building exterior such as roofs, walls or foundations
  • Doors and windows
  • Plumbing
  • Fire safety
  • Electrical systems
  • Heating systems
  • Mold remediation
Accessibility modifications

Examples of eligible accessibility modifications include, but are not limited to:

  • Ramps
  • Handrails
  • Chair and bath lifts
  • Height adjustments to counter tops
  • Cues for doorbells/fire alarms
  • Bathroom modifications

How to apply

Complete the Ontario Renovates application form and send it by fax (519-575-4026), by email ( or by mail.  You can drop it off at one of these Regional offices:

  • 20 Weber St. E., Kitchener, ON N2H 1C3
  • 150 Main St., Cambridge, ON N1R 6R1
  • 99 Regina St. S., Waterloo, ON N2J 4V3

To receive a loan this year you will need to apply before December 1. A limited amount of funding is available each year.

We will set up a home inspection if you qualify. If you need repairs right away because of a water leak or other urgent issue, call 519-575-4400.

This program is funded by the federal and provincial governments through the Investment in Affordable Housing (IAH) Program.

The Ontario Renovates Program also offers funding for building affordable secondary suites. Learn how to apply for Funding for Secondary Suites.

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