General Information  


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Habitat for Humanity Sarnia/Lambton builds simple, decent, affordable homes for families in Sarnia and Lambton County.

*ATTENTION SENIORS*

If you are applying for homeownership as part of the Guthrie Drive Affordable Seniors’ Housing Project, DO NOT COMPLETE THIS APPLICATION.  Applications for the Guthrie homes must be collected from the Habitat offices at 1787 London Line in Sarnia.

Maximum & Minimum Income Thresholds

The Canada Revenue Agency (CRA) provides very strict guidelines in terms of how we select our partner families.

Your gross annual family income must be a minimum of $22,000 to be considered as a Habitat for Humanity Sarnia/Lambton family.

HFH Sarnia/Lambton follows guidelines published by the Canada Mortgage & Housing Corporation (CMHC) and Service Ontario to determine the maximum annual gross income you can make, and still be considered for a one of our homes. These guidelines are based upon the number of bedrooms your family would need.

The guidelines state that the following should have their own bedroom:

  • Parent(s)
  • Opposite gender children over the age of 5
  • Adult children over the age of 18 still living at home
  • That there should be no more than two children sharing a bedroom

Following these guidelines, the maximum gross annual income you could earn and be considered for a Habitat Sarnia/Lambton home would be:

For a 4 or more bedroom home  $51,500
For a 3 bedroom home $43,000
For a 2 bedroom home  $37,500

Start by Answering These Questions...

  1. Have you applied for a mortgage at a bank and been turned down?
  2. Is your current housing unsafe, unhealthy, unaffordable, unsuitable or inaccessible?
  3. Do you have a stable, total gross annual income of at least $22,000?
  4. Is your debt-load low?
  5. If you have experienced a bankruptcy, has it been at least three (3) years since the bankruptcy was discharged?
  6. Would you be willing to partner with Habitat for Humanity Sarnia/Lambton to build and buy your own home?

If you answer "YES" most of these questions, you could be our next partner family!

How Does A Habitat Mortgage Work?

  • Habitat for Humanity Sarnia/Lambton builds your home
  • Once built, a professional real estate appraiser assesses the home for its Fair Market Value
  • Habitat for Humanity Sarnia/Lambton sells you the house for that Fair Market Value 
  • A $0-down, 0%-interest, 20-year mortgage is prepared
    • There is no down payment
    • There is no interest chaged
    • The mortgage is due 20 years from the date of sale...OR...when the family has paid off 50% of their mortgage - whichever comes first
  • If the family moves out of the home before 20-years:
    • Habitat for Humanity Sarnia/Lambton has first right of refusal on the buy-back of the home for its Fair Market Value, less 6%
    • Any increase in the market value of the home is shared between the homeowner and Habitat for Humanity Sarnia/Lambton depending upon how long the family has lived in the home, and according to the following schedule:
< 5 years 0% of increased market value shared
5 - 10 years 25% of market value shared
10 - 15 years 50% of market value shared
15 - 20 years 75% of market value shared
20 years 100% of market value is homeowner's
  • Our partner families are required to report the gross household income of all non-student adults over the age of 18 annually

If you would like to discuss our homeownership program, please contact:

Sarah Reaume, Executive Director
Habitat for Humanity Sarnia/Lambton
519-339-7957 x 222
[email protected]

or apply online now!

*ATTENTION SENIORS*

If you are applying for homeownership as part of the Guthrie Drive Affordable Seniors’ Housing Project, DO NOT COMPLETE THIS APPLICATION.  Applications for the Guthrie homes must be collected from the Habitat offices at 1787 London Line in Sarnia.

Apply Now