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Housing Help

If you live in the City of Kawartha Lakes or the County of Haliburton, Housing Help can assist you with:

Eviction prevention

You can apply for help with rental arrears and utility arrears. Contact us for more information.

Finding a home

Financially assisted housing

You can apply online for financially assisted housing.

Homeownership program

We participate in the Homeownership Component of the Canada-Ontario Investment in Affordable Housing Program which assists low-to-moderate income rental households to purchase affordable homes.

At this time we don’t currently have any funding for this program, but we are accepting applications and placing applicants on our waiting list. Please contact us if you would like an application.

Applicants must be renting, be at least 18 years old, have a gross household income at or below $76,100 and be eligible for financing from a financial institution. The selling price of the home must be at or below $363,127. Applicants must also be a first-time home buyer and the home must be located in the City of Kawartha Lakes or the County of Haliburton.

The down-payment assistance is in the form of a second mortgage. As long as the home remains the sole and principal residence for 20 years, the household never makes a payment and the mortgage is totally discharged at the end of 20 years. If the household needs to sell they would be required at the time of closing to pay back the down payment assistance and 10% of any recognized capital gains.

Households who have previously participated in the program must confirm every year that the purchased property remains their sole and permanent home, by completing the annual update form.

Last month's rent (rent deposit)

You can apply for help with last month's rent deposit. Contact us for more information.

Weekly rental listings and rental websites in Kawartha Lakes and Haliburton County

We do not screen private landlord listings or any other posted information. The information on this page is for reference only. Contact and buildings on this page do not represent the Housing Help Centre or the City of Kawartha Lakes. We encourage you to research rental units before applying for housing.

The Weekly Rental Listing is a list of private landlord rentals from the following websites:

View our:

The average monthly cost of a rental unit within the City of Kawartha Lakes and the County of Haliburton is as follows:

Bachelor unit - $700

One bedroom unit - $871

Two bedroom unit - $1,075

Three bedroom unit - $1,246

Homeowner assistance

Emergency home repair

Eligible low-income homeowners can get funding for urgent repairs such as heating system repair. Contact us for more information.

Kawartha Haliburton Renovates

Kawartha-Haliburton Renovates (KHR) provides a forgivable loan up to $10,000 for repairs such as roofs, plumbing, heating, foundations, wells and septic systems. A grant up to $5,000 is available for modifications to reduce physical barriers such as ramps, handrails, chair and bath lifts and countertop height adjustments.

You must own your own home to apply for this grant. The value of your home must be at or $363,127 or less.

For more information see the Household Eligibility Criteria and the Project Parameters.

Eligible applications will be considered for funding on a priority basis considering both income and the type of repair/modification.

2018 applications will be available April 1, 2018. Complete applications will be accepted until April 30, 2018.

Households who have previously participated in the program must confirm every year that the renovated property remains their sole and permanent home, by completing the annual update form.

Arrears support

You can apply for mortgage, property tax and utility arrears help. Contact us for more information.

 Secondary Suite Program

2018 Secondary Suite Program

Download our Secondary Suite Application and our Secondary Suite Brochure

What is a Secondary Suite?

A secondary suite is a private, self-contained unit within an existing dwelling. A secondary suite has its own bathroom, kitchen, living and sleeping areas, but can share a number of facilities including a yard, parking area, laundry and storage space.

Program Goal for 2018

To create a minimum of ten new units that would encompass one or two bedroom self-contained apartments in existing single or semi-detached homes within the City of Kawartha Lakes (CKL) and County of Haliburton (COH) for homeowners with income at or below the 60th percentile.

Program Details

Applications are available April 1, 2018 and completed applications will be accepted until July 31 2018

Primarily based on first come first served basis based on a completed application and program eligibility. Consideration will be made to reflect the needs of both CKL and COH.

  • Home must be located within CKL or COH
  • New 1 or 2 bedroom self-contained apartment created in existing single family home
  • Home owner income at or below $76,100
  • Home be valued at or below $363,127
  • Up to $10,000 toward eligible expenses, such as construction materials, engineered drawings, municipal permits etc.
  • Forgivable interest free loan over a fifteen (15) year period
  • New unit/s must rent at or below 80% of CMHC average rent for the 15 year period

Secondary suite tenants

Secondary suite tenants would be seniors or households without dependents with income at or below the household income limit, selected from the City of Kawartha Lakes Centralized Waiting List.

Frequently asked questions

What is a forgivable loan?

The secondary Suite Program funding is considered a ‘forgivable loan’ and is reduced at an equal rate each year until the 15th year at which time it would be $0.  No payments are required or interest charged so long as the terms of the loan agreement are adhered to.

Are there timing requirements?

Yes, construction must begin within 90 days of signing the funding approval agreement and completed within a year.

What if the cost to create the secondary suite is higher than the funding amount?

Any costs over and above the funding amount are the responsibility of the homeowner. You must pay the excess amount first from your own sources before any program funds are provided.

Do utilities have to be included in the rent?

Yes, utilities must be included in the rent (heat, hydro, water, hot water)

What happens if I decide to sell my house?

If you sell prior to the end of the 15 year term, the amount of loan that remains “unforgiven’ shall be due and payable.

Will renovations started prior to signing the funding approval agreement be covered?

No, prior renovations will not be eligible for reimbursement.

Why We Need Your Help

  • Seniors population is increasing at a much higher rate than the total population and they will need housing options
  • There are very limited rental housing units in CKL and COH
  • Average house prices and rents continue to increase and housing is becoming less affordable
  • Over a fifth of all households in CKL and almost a quarter of households in COH are facing housing affordability issues
  • The CKL and COH continue to increase the supply of affordable housing units yet the number of applicants on the waiting list for subsidized housing continues to grow
  • In general, the current make-up of affordable housing units match the household types on the waiting list yet there is an increasing need for smaller affordable units
  • A reactive approach to homelessness costs more than providing housing

Before You Get Started

  • All persons registered on title to the property must sign the application form.
  • Where there is one registered owner and the spouse of this owner has a matrimonial interest in the property, the owner and the spouse must sign the application form.
  • Photo ID for all persons who have signed the application
  • Photocopy of most recent Property Tax Assessment
  • Proof of mortgage in good standing, statement from lender(s) and proof of property taxes in good standing, statement from Town or Municipality
  • Home owner income (ie. tax return, pay stubs, etc)
  • Current insurance certificate
  • Copy of all required regulatory approvals, if already received.(ie. Environmental, Building Code, Fire Code)
  • Documentation of funding from other sources, if applicable
  • Project plan and schedule
  • Picture of area where secondary suite is to be created

Housing and homelessness

Visit the Housing section of our website for information about Housing and Homelessness initiatives.

Assistance for Landlords

We encourage landlords to notify us of any rental vacancies by completing our Vacant unit notification form.

As of April 30, 2018 most private landlords in Ontario must use the new standardized lease. To learn more about the new standardized lease please visit the Province of Ontario's website.

Other financial support

Visit the Financial Assistance section of our website for more information about available financial support.

Emergency housing

Emergency housing can be accessed by contacting:

A Place Called Home

Lindsay, Ontario

Telephone: 705- 328-0905

Toll Free: 1-866-520-2689

Women's Resources

Lindsay, Ontario

Telephone: 705-878-3662

Toll Free: 1-800-565-5350

YWCA

Minden, Ontario

Telephone: 705-286-1942

 New development programs

Completed applications will be accepted until May 31, 2018.

New - Rental Housing Program

2018 Rental Housing Program

Download our Rental Housing Application and our Rental Housing Brochure

What is the New Rental Housing Program?

The New Rental Housing Program provides a forgivable loan to owners/developers that want to build affordable rental housing and provide supports to low-income households in communities with a demonstrated need.

Program Goal for 2018

To create a minimum of twelve new units that would encompass one bedroom self contained apartments through new construction including additions or conversion of non-residential buildings into purpose built rentals within the City of Kawartha Lakes.

Program Details

Applications are available April 1, 2018 and funding will be awarded to the project with the greatest benefit to the community (number of units, rent level, etc).

  • Unit must be located within CKL
  • 1 bedroom self-contained apartments
  • Forgivable capital loan following construction phase
  • Up to $20,000 per unit
  • Rent at or below 100% CMHC average for a minimum of 10 years.

New Rental Housing Tenants:

New Rental Housing tenants would consist of the homeless population, seniors, or households without dependents with income at or below the household income limit; selected from City’s Centralized waiting list or City’s Homeless By Name List.

Frequently asked questions

What is a forgivable loan?

The New Rental Housing Program  funding is considered a ‘forgivable loan’ and is reduced at an equal rate each year until the 10th year at which time it would be $0. No payments are required or interest charged so long as the terms of the loan agreement are adhered to.

Are there timing requirements?

Yes, owner of land zoned for residential use with a development plan that enables the construction or conversion to start within 3 months of signing as agreement.

How much funding is available?

There is currently up to $250,000 municipal funding available.

Why We Need Your Help:

  • Seniors population is increasing at a much higher rate than the total population and they will need housing options
  • There are very limited rental housing units in Kawartha Lakes and Haliburton
  • Average house prices and rents continue to increase and housing is becoming less affordable
  • Over a fifth of all households in Kawartha Lakes and almost a quarter of households in Haliburton are facing housing affordability issues
  • The City and County continue to increase the supply of affordable housing units yet the number of applicants on the waiting list for subsidized housing continues to grow
  • In general, the current make-up of affordable housing units match the household types on the waiting list yet there is an increasing need for smaller affordable units
  • A reactive approach to homelessness costs more than providing housing

Before You Get Started:

  • All person registered to the land and the title of the property must sign the application form
  • Have proper zoning for the development or have preliminary support from the area municipality for a zone change
  • Photo ID for all persons who have signed the application
  • Description of professional team
  • Current Insurance Certificate
  • Copy of all required regulatory approvals (ie. Environmental, Building Code, Fire Code)
  • Documentation of funding from other sources (If applicable)
  • Project Plan and Schedule
  • Project concept: building and unit size/type
  • Development schedule, including key milestone dates

 

New - Multi-Unit Rehabilitation

2018 Multi-Unit Rehabilitation Program

Download our Multi-Unit Rehabilitaion Application and our Multi-Unit Rehabilitaion Brochure

What is the multi-unit rehabilitation program?

The multi-unit rehabilitation program is the renovation of existing residential properties that are currently vacant and require upgrades to become habitable.

Program Goal for 2018

To create a minimum of ten new units that would encompass one bedroom self-contained apartments or rooming houses within the City of Kawartha Lakes (CKL) and Haliburton County (COH) for landlords of rental buildings or rooming houses.

Program Details

Applications are available April 1, 2018 and applications are due May 31, 2018

Primarily based on first come first come first served basis based on a completed application and program eligibility being met. Consideration will be made to reflect the needs of both CKL and COH.

  • Unit must be located within CKL or COH
  • 1 bedroom self-contained apartments or rooming houses
  • Up to $10,000 toward eligible expenses, such as construction materials, engineered drawings, municipal permits etc.
  • Forgivable interest free loan over a fifteen year period.
  • New units must rent at or below 80% of CMHC average rent for the 15 year period.

Multi-Unit Rehabilitation Tenants

Renovates tenants would consist of homeless seniors or households without dependents with income at or below the household income limit; selected from the CKL Homeless By Name List.

Frequently asked questions

What is a forgivable loan?

The multi-unit rehabilitation Program funding is considered a ‘forgivable loan’ and is reduced at an equal rate each year until the 15th year at which time it would be $0. No payments are required or interest charged so long as the terms of the loan agreement are adhered to.

Are there timing requirements?

Yes, construction must begin within 90 days of signing the funding approval agreement and completed within a year.

What if the cost to renovate is higher than the funding amount?

Any costs over and above the funding amount are the responsibility of the property owner. You must pay the excess amount first from your own sources before any program funds are provided.

Do utilities have to be included in the rent?

Yes, utilities must be included in the rent (heat, hydro, water, hot water).

What happens if I decide to sell my property?

If you sell prior to the end of the 15 year term, the amount of loan that remains ‘unforgiven’ shall be due and payable.

Will renovations started prior to signing the funding approval agreement be covered?

No, prior renovations will not be eligible for reimbursement.

Why We Need Your Help

  • Seniors population is increasing at a much higher rate than the total population and they will need housing options
  • There are very limited rental housing units in CKL and COH
  • Average house prices and rents continue to increase and housing is becoming less affordable
  • Over a fifth of all households in CKL and almost a quarter of households in COH are facing housing affordability issues
  • The CKL and COH continue to increase the supply of affordable housing units yet the number of applicants on the waiting list for subsidized housing continues to grow
  • In general, the current make-up of affordable housing units match the household types on the waiting list yet there is an increasing need for smaller affordable units
  • A reactive approach to homelessness costs more than providing housing

Before You Get Started

  • All persons registered on title to the property must sign the application form
  • Photo ID for all persons who have signed the application
  • Photocopy of most recent Property Tax Assessment
  • Proof of mortgage in good standing - Statement from lender(s)
  • Proof of property taxes in good standing - Statement from Town or Municipality
  • Current insurance certificate
  • Have you spoken to your municipal building department to ensure your project is able to be completed?
  • Documentation of funding from other sources, if applicable
  • Project plan and schedule
  • Picture of structure

Contact Us