The Métis Nation of Ontario (MNO) is pleased to offer the MNO Home Improvement Pilot Program (MNO-HIP). The MNO-HIP provides low-to-moderate income home owners, who are MNO citizens, with a one-time forgivable loan to complete necessary repairs to their home to extend its useful life and/or improve accessibility for persons with disabilities (to a maximum of $25,000). The Program features two components:

  • MNO-HIP Minor Repair: a forgivable loan for minor or emergency repairs up to $9,999.99
  • MNO-HIP Major Repair: a forgivable loan for major repairs up to $25,000.00

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Eligibility Criteria

To be eligible for the Program applicants must:

  • Be a Métis Nation of Ontario Citizen with a valid Citizenship number
  • Be 18 years of age or older
  • Own and occupy their home as their permanent full time residence
  • Have eligible home repairs
  • Be classified as low-to-moderate income as defined by 60th percentile by region – Appendix A

Eligible Property Types include:

  • Single detached homes
  • Semi-detached homes
  • Townhouses and Row houses
  • Condos (some restriction apply)
  • Mobile Homes (some restrictions apply)

Eligible repair costs include those that are required to make a house safe while improving energy efficiency. These include but are not limited to the following:

  • Legal and Inspection Fees where applicable
  • Heating Systems
  • Chimneys
  • Doors and Windows
  • Foundations
  • Roofs, walls, floors and ceilings
  • Vents and louvers
  • Electrical Systems
  • Plumbing
  • Septic systems, well water, and well drilling
  • Modification for Persons with Disabilities

*Please Note: Repairs or upgrades for aesthetic purposes only are not be eligible under the Program.

Terms and Conditions

The Terms and Conditions of the Program are as follows:

  • Loan forgiveness will be earned at an equal monthly rate over a 10 year period for major repairs and 5 year period for minor repairs.
  • Loan Repayment will only be required under the following conditions:
      1. Death of the homeowner(s); sell, rent, or transfer of the unit; and/or the home ceases to be the sole and principle residence of the homeowner(s) prior to the loan forgiveness period being fully earned.
      2. Failure to submit proof of homeowners’ insurance annually and proof of address.
      3. Homeowner provides fraudulent or misleading information in the original application
  • In the case of 1 or 2 only the unearned forgiveness will be repaid. In the case of 3 the entire loan amount will need to be repaid.
  • Loan Security will be required:
      • MNO-HIP Minor Repair (up to $9,999.99) a Letter of Agreement and Promissory Note will be executed with the homeowner(s)
      • MNO-HIP Major Repair (up to $25,000.00) a Letter of Agreement and a Promissory Note will be executed with the homeowner(s) and registered in 1st or 2nd place on the property title

Additional Resources

CONTACT: For more information about the Program please contact the MNO’s Programs Administrator at (705) 722-5022 Ext. 302 or by email at housingprograms@metisnation.org

Updated: January 5, 2020