Eligibility

If you are interested in applying for a home please complete our pre-application screening first. We will then contact you to recommend completing the full application if you are a suitable candidate.

Pre-Application Screening

How We Select Partner Homeowners

Applicants for a Habitat for Humanity housing partnership are evaluated in three areas:

  • Ability to repay a Habitat for Humanity Mortgage
  • Level of Need
  • Willingness to Partner

Ability to Pay

Homeowner partners must be able to pay their mortgage.
Minimum income required: $23,228
Maximum income is calculated according to family size:

1 person – $25,000
2 people – $28,000
3 people    -  $31,000
4 people    -  $36,000
5 people    -  $40,000
6people     -  $44,350
7 or more   – $49,377

Some of the additional financial criteria may include:

  • Total debt payments, including Habitat mortgage, must be less than 50% of total annual income
  • Credit check
  • Provide copies of Income Tax Notice of Assessment
  • Reference from current and previous landlords about rent payment history and dwelling maintenance
  • Current pay stubs, utility bills and information regarding all debts and payments, including debts and payments to the Federal, Provincial and Municipal government must be submitted at the time of application.
  • Provide verification of employment income, bank balances or other financial assets.

***Applicants will be disqualified for providing incomplete or misleading information.***

Level of Need
Applicants must be living in substandard housing and not qualify for conventional home financing. Substandard housing might include one or more of the following: inadequate indoor plumbing, poor heating, leaking roof, overcrowding, unsafe or unsanitary conditions and/or consuming a large portion of income, etc.

Willingness to Partner
Approved applicants become Habitat PEI Homeowner Partners. Homeowner Partners must agree to be responsible homeowners, maintaining their home and property at a respectable level; attend Habitat for Humanity homeowner workshops; and help promote Habitat PEI as requested (for example, media interviews, providing information, meeting volunteers, etc). As a partner with Habitat, the applicant, along with family and/or friends, must be willing to work a total of 500 hours of “sweat equity” towards the building of their home or other Habitat PEI projects. 100 of these hours are to be completed before construction can begin on the home.

If you wish to proceed with your application please print out the ‘ Application form’, fill out all required fields, attach any necessary supporting documents and submit to our office.

365 Mt. Edward Rd,
Charlottetown PEI
C1E 2A1
See On A Map

If you do not have access to a printer you can pick up an application from our affiliate office directly.
Please do not hesitate to contact us with any questions or concerns!

Joelene Spencer, Office Manager for Habitat for Humanity PEI: [email protected] or (902)367-3041

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