Funding for Home Repairs and Home Ownership

We help current homeowners and those looking to own a home for the first time with various funding opportunities.

Ontario Renovates

If you own a home and it needs to be repaired or modified, you can apply for the Ontario Renovates Program. You may qualify for up to $20,000 in forgivable loans to:

  • Keep your home in good repair
  • Install accessibility features like ramps, bath lifts or alarms

    How to apply

    City of Brantford and County of Brant residents can apply by downloading the application package and returning the completed application to:

    220 Colborne St., P.O. Box 845
    Brantford, ON N3T 5R9

    If you are applying for accessibility modifications, download the Medical Form, have the form completed and return it with your application.


    You may qualify based on:

    • Your income
    • The value of your home (maximum of $ 350,000)

    See the Ontario Renovates Fact Sheet for more information on eligibility and for a list of projects that could be covered. Please contact us if you have any questions. 

    Forgivable Loan Assistance Available

    Households are allowed one application under the Ontario Renovates Program. Funding is provided as a fully forgivable loan, forgiven over a 10-year period. The loan is not repaid if the homeowners remain as owners and live in the home during the 10 year forgivable period.

    Examples of Ontario Renovates Eligible Repairs

    Repair work must include energy-saving products where possible; examples of repair work and accessibility changes include:

    • Heating systems, chimneys, doors and windows, foundations, roofs, walls, floors and ceilings; electrical systems, plumbing, septic systems, well water and drilling
    • Ramps, Handrails, Chair and bath lifts, dues for doorbells/fire alarms
    • Height adjustments to countertops
    • Other repairs can be considered, with supporting documentation, at the discretion of the Service Manager

    This program is funded by the federal and provincial governments through the Investment in Affordable Housing (IAH) Program. A limited amount of funding is available each year.

    B-Home (Brantford Home Ownership Made Easier) Program

    The Affordable Home Ownership program can help renters become homeowners. The program provides eligible first-time homebuyers with a 5% loan for a down payment.

    Who is eligible

    To qualify, you must:

    • Be buying a home in Brantford or Brant County for $ 400,000 or less
    • Have a household income of up to $ 90,000
    • Be at least 18 years old and renting in Brantford or Brant County

    The B-Home Fact Sheet provides more information on the requirements and the type of home you can buy.

    How to apply for B-Home Program

    For more information or inquiries about the program please visit the BHOME website which includes a process to apply online for the program, or contact the Provider Services Coordinator with the Housing Services Department at 519-759-3330. The B-Home program is funded by the federal and provincial governments through the Investment in Affordable Housing (IAH) Program.