Our Model
How Habitat Works

Through generous support from individuals, businesses, and community groups, we are able to help families in Grey and Bruce improve their lives through homeownership. We partner with low-income families who:

  • currently live in substandard housing
  • are willing to volunteer 500 hours of sweat equity building their house and participate in workshops on homeownership, setting a family budget & estate planning
  • are able to repay a zero-down payment, interest-free mortgage

Families purchase their homes from Habitat with monthly mortgage payments set at 25% of gross income including principal repayment and property tax. Mortgage payments from Habitat homeowners go directly into the Revolving Fund for Humanity to help build more Habitat homes in the future. Families pay the property tax on their homes thus, contributing to their local municipality.

One hundred percent of all administrative and fundraising costs are paid for by the operation of our 3 ReStores so that every dollar donated goes directly to home building. Habitat ReStores sell new and gently-used donated building, furniture, appliances and household products.

Habitat for Humanity Grey Bruce is an affiliate of Habitat for Humanity Canada and part of Habitat for Humanity International which operates world-wide in providing affordable homes to families in need.

In more than 70 national organizations around the world, Habitat for Humanity has helped build or repair more than 800,000 houses and serve more than 4 million people worldwide.