CARE (Contributing Assistance for Repairs and Enhancements)
Major Repairs and Renovations
CARE assists existing homeowners in making necessary repairs to their home to ensure a safe and healthy residence and to increase the remaining economic life of their home. Additional assistance is available for improving the accessibility of dwellings for persons with disabilities. Assistance of up to $100,000 is provided in the form of a forgivable loan to subsidize the cost of preventative maintenance checks, repairs and renovations for their existing home. The forgiveness period is dependent on the amount of assistance being provided. Co-pay may be required depending on household income.
Low-income homeowners with disabilities may be eligible for up to $100,000 to carry out modifications to their home to improve accessibility and support independent living. Again, co-pay may be required depending on household income.
Modifications may include:
- The construction of wheelchair access ramps;
- The installation of grab bars in bathrooms; and
- Creating better access to bathtubs, showers, and the kitchen.
- Modifications must be directly related to the disability of the homeowner or a family member residing in the unit.
CARE also provides assistance for preventative maintenance and minor repairs. Clients can apply for up to $3,000 annually and can apply for this support on a year-round basis.
SAFE (Securing Assistance for Emergencies)
The SAFE program is an emergency repair program that is available year-round for situations like freeze-ups and furnace failures. The program targets low and modest income homeowners, including seniors on fixed incomes. SAFE contains many positive elements including; a higher Core Need Income Threshold (CNIT), when compared to current repair programs that the NWTHC delivers on behalf of the Canada Mortgage and Housing Corporation (CMHC); funding is not limited to once in a lifetime; there is a streamlined application and approval process; it ensures that arrears are not a barrier; and, there is up to $10,000 in assistance for emergency repairs, excluding freight costs. Assistance is in the form of a short-term forgivable loan, which will be secured through an agreement and promissory note. In support of self-reliance, applicants are expected to make a contribution toward the project cost; contribution level will be based on the applicant’s income.