Homeowner Emergency Loan Program (HELP)

Generally, repairs that constitute an emergency situation are eligible for assistance.

Examples of emergency repairs may include:

• a structural failure of any kind
• a major plumbing leak, or failure of water supply equipment such as pumps and tanks
• a failure of the home's main source of heat
• severe damage to, or failure of, the home's exterior, including roof, walls, windows and doors

Work that is not considered urgent will not qualify for assistance. All required repairs must be completed within 60 days of approval.

Please note: Work carried out before you receive approval of the HELP loan in writing is NOT eligible for funding under this program.

Financial Assistance: The maximum loan is $3,000. If the cost of repairs is higher than the loan amount, the homeowner must cover the additional costs. The loan also depends on the actual cost of the repairs that are eligible to receive funding. (Only urgent repairs are considered under this program.)

As a homeowner, you may be eligible for assistance under this program if you meet ALL of the following conditions:

• You own and occupy the property as your principle residence on a year-round basis.
• Your total gross household income is below the established Housing Income Limit (HIL) for the area where the property is located.
• Your home requires an emergency repair which, if left unattended, would jeopardize the health and safety of the occupants.
• You are not eligible to receive financial assistance from any other source (ex: insurance companies, other government programs, banks).
• You agree to allow Manitoba Housing to register a caveat against your property, or to register it under The Personal Property Registry Act, to provide loan security.