Eligible applicants must:

be 18 years or older

be renters who do not currently own a home or property

be legal residents of Canada

have this home as their one and only residence

have an annual household gross income at or below $65,000

Note: a household can be defined as the individual making the application; any person the individual is living with in a spousal relationship, including same sex spousal relationship

How to Apply

Download and complete the application (pdf) Read Questions and Answers (pdf)

Return your completed application along with all necessary supporting documentation to:

City of Hamilton – Housing Division

Attention: Brian Burke

Supporting documents includes copies of your photo identification to confirm date of birth; a current rent receipt; verification of your income and assets and mortgage pre-approval.

Your application will be reviewed by Housing Division Staff. Once you have been found to be eligible for the Program, you will be issued a letter of conditional eligibility, subject to purchasing conditions (e.g. price of house).

Start looking for your home. Your house must be purchased in the City of Hamilton and valued up to $250,000.

Remember Offers to Purchase are conditional on funding. If Provincial funding runs out before you are approved, there is no guarantee of a home ownership loan.

Provide a copy of your conditional Offer to Purchase on a qualifying home immediately to the Housing Division in order to confirm funding availability.

Home buyers sign Loan Agreement with the City of Hamilton as Service Manager and arrangements will be made to transfer the funds on the date of closing.

On closing day, your lawyer will receive the approved funding from the City of Hamilton as Service Manager.

Contact Information

Housing Services Division

Email: housing@hamilton.ca

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