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Housing Repair Program
Apply to the Housing Repair Program for help with the cost of home repairs.You need to use the funding for emergency repairs and health and safety repairs (like electrical, plumbing, structural, heating and fire safety) so you can continue to live safely in your principal residence. A principal residence is the home you own and live in.
You can apply for funding if:
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repairs are an emergency or required to maintain the safe occupancy of your home
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you own and live in your home where the where the repairs will be applied and have an annual pre-tax (gross) household income that’s not more than the income limits in the Housing Repair Program Guide
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you've lived in your home for at least 1 year and your home is at least 5 years old
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you haven’t received previous grants from the Housing Repair Program in the last 5 years, unless the repairs are eligible emergency repairs
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you haven’t received previous loans from the Housing Repair Program in the last 15 years, unless the repairs are eligible emergency repairs
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your property taxes are paid up to date or you have a payment plan in place with the local government for at least 3 months
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your property value is no more than $360,000 in Halifax Regional Municipality or $280,000 in other regions of Nova Scotia
Eligible Properties include:
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single-family detached house
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townhouse (semi-detached) or row house
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condominium property (interiors only, not common spaces)
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manufactured (mobile) home where ownership of the unit is verified
You also need to meet any additional eligibility criteria (like repair eligibility) outlined in the Housing Repair Program Guide.
First-time Homebuyers Program
Pilot Project The First-time Homebuyers Program is a joint initiative of the Government of Nova Scotia, Atlantic Central and local participating credit unions. Together, we are delivering a pathway to homeownership that requires first-time homebuyers to provide only a two per cent down payment, so they can get into their first home faster.
This unique mortgage product is backed by a guarantee from the government, allowing Nova Scotians to make a smaller down payment and avoid the cost of traditional mortgage insurance. Credit unions are the only mortgage providers to offer this program.
Credit unions can provide mortgage financing on homes up to $570,000 in Halifax Regional Municipality (HRM) and East Hants, and up to $500,000 throughout the rest of the province.
You do not need to submit any application to the government for this program. Program eligibility and enrollment is completed as part of the mortgage application process completed by credit unions.
Program participants may renew their First-time Homebuyers Program-backed mortgage with a national bank or major lender once at least 20% of their home's value has been paid off, however, the deficiency guarantee provided by the program is not transferable. Speak to your mortgage lender for more details.
