Niagara Renovates Program

Secondary Suites

The Niagara Renovates Program is a program that funds the creation of Secondary Suites in single family homes. Secondary suite units must have modest floor space and amenities.

A Secondary Suite is defined as a self-contained, separate unit with sleeping, full kitchen and bath facilities and a separate entrance. The new unit must meet applicable zoning, building, fire and property standards.

Funding for Secondary Suites of up to $25,000 is a fully forgivable loan which is written off at an equal amount over a 15 year period, provided the Owner complies with the conditions of the Letter of Agreement.

The loan amount includes a grant portion for accessibility modifications, if required, of up to $5,000 that does not need to be repaid.

Eligibility

  1. To be eligible, the single family home must be valued at or below the median price of single-detached homes as per Canada Mortgage & Housing Corporation’s (CMHC) Housing Now – Housing Market Information (2018).

    St. Catharines$466,290
    Thorold$479,654
    Niagara-on-the-Lake$686,000
    Welland$419,563
    Fonthill$737,108
    Niagara Falls$481,905
    Fort Erie$430,548
    Lincoln$583,639
    Port Colborne, Wainfleet$437,480
    West Lincoln$568,766
    Grimsby$637,722
  2. The total gross income of the incoming tenant in the newly created secondary suite must be at or below the following, based on the number of bedrooms in the secondary suite:

     Bachelor1 Bedroom
    Household Income Limit$27,000$34,500
  3. The Owner acknowledges that if the Tenant fails to provide initial and annual income verification to NRH, the Owner will be in default of the Letter of Agreement and the balance of the forgivable loan must be repaid.

Maximum Rents

  1. Secondary suite units must have rents at or below approved average market rents. For 2020, the average market rents are:

     Bachelor1 Bedroom
    St. Catharines$750$961
    Niagara Falls$632$912
    Welland$552$838
    All Other Areas$784$933

Applicants for secondary suites may be taken from NRH’s Centralized Waiting List.

Households who received Niagara Renovates funding in the past are not eligible for this program.

Program Default

If any of the following occur, the Owner is considered to be in default of the Letter of Agreement and the balance of the forgivable loan must be repaid:

  • The home is sold
  • The funding is used for other purposes
  • The Owner misrepresented information about program eligibility
  • The Owner charges a rent that is above the maximum allowed rent

Program Requirements

  1. Prior to completing a Secondary Suite Application, the Owner is required to obtain written confirmation from their municipal Building/Planning Department that their property is properly zoned to allow for Secondary Suites.

  2. The Owner is required to complete and sign the application form and provide all supporting documentation including:

    • Copy of driver’s license(s) or passport(s) or other photo identification to verify owners
    • Written confirmation from the Building/Planning Department that the property is properly zoned
    • Home insurance coverage
    • Copy of MPAC Statement or Property Tax bill

  3. A title search of the property will be conducted by NRH. The associated costs will be included in the total approved funding amount.

Conditional Approval

  1. If the application is deemed eligible for funding, NRH will provide Conditional Approval. At that time, the Owner will be required to submit and obtain approval from the Municipal Building/Planning Department & Fire Department for their secondary suite plans/drawings. A copy of the approved drawings is to be forwarded to NRH for review.

  2. When drawings/plans are approved by NRH, the Owner is required to obtain a minimum of three quotes for the construction of the Secondary Suite, obtain contractor WSIB Clearance and Insurance Coverage and forward all documentation to NRH for review and approval

Final Approval

  1. NRH will review all documentation and will issue Final Approval via a Letter of Agreement, outlining the scope of work, funding amount, and roles of the Owner(s) and NRH.

  2. All Owners must sign the Letter of Agreement.

  3. The Mortgage/Charge will be registered on title. Registration fees will be included in the total approved amount. NRH will not issue any payment until Mortgage/Charge is registered on title.

  4. The Owner is required to start work within 45 days. Work started prior to written approval by NRH is not eligible.

  5. The Owner is required to allow inspections by NRH prior to start of work, during construction and when project is complete. These inspections are over and above the required inspections by the Municipal Building Department.

Other Regional Programs

Niagara Region partners with local municipalities to provide incentives for housing in "Community Improvement Plan" areas. If a property is in one of these areas, homeowners may be eligible for Regional/Municipal contributions to their project. Programs that may assist homeowners with their project are set by Municipality. Homeowners should check with their local Municipality to determine if they are eligible for any incentive programs.

Updated: June 2020


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