Programs & Services
Home Renovation Loans
The Renovations program through the Mohawks of the Bay of Quinte is geared toward homeowners in good standing with their mortgage and who meet suitable credit checks and affordability scales. The MBQ Renovation program allows mortgaged and non-mortgaged homeowners the opportunity to apply for funding to renovate their homes up to the maximum mortgage amount allotted for that year.
The Mohawks of the Bay of Quinte have a special option for senior citizens who are in need of renovations, and who do not currently have an interest-bearing mortgage on their home. The Seniors Renovation Loan program is designed to help the elderly who are on a limited income, renovate their home, up to a maximum of $25,000, interest free.
Canada Mortgage and Housing Corporation have a program for homeowners who have a limited income and who require health and safety renovations to their home. The Residential Rehabilitation Assistance Program is designed to help renovate homes with health and safety concerns that are owned by homeowners who cannot afford to renovate their homes because of their limited income. The loan is forgivable and the homeowner is not responsible for repayment of the loan, so long as they comply with the conditions of the loan as defined by CMHC. There are conditions to the program and applicants must apply and be deemed to be eligible by CMHC. Interested applicants can contact Melissa Maracle at the Mohawks of the Bay of Quinte, at 613 396 3424, for more information.
The MBQ Market Based Housing Program also provides an option for homeowners who are mortgaged through this program or who have no mortgage, to apply for funding to renovate their home up to the maximum of $200,000. Applicants must meet the criteria for the program and be approved through the Bank of Montreal.
Market Based Housing Program
The MBQ Market Based Housing Program provides repayable funding in the form of mortgages to MBQ members wishing to build or buy a home on the Tyendinaga Mohawk Territory. The amount of funding that is accessible to applicants of this program is limited and is negotiated in a contract between the Bank of Montreal and the Tyendinaga Mohawk Council.
The MBQ Market Based Housing Program is guided by the Policies and Application process of the Market Based Housing Program and the Bank of Montreal. Currently, applicants to this program, if eligible, can receive up to $200,000 towards their mortgage. There is a required down payment of a minimum of 5% of the approved mortgage and a 2% administration fee.
For more information, please contact Melissa Maracle at 613-396-3424 or [email protected]
The Mohawks of the Bay of Quinte Housing program offers Housing support to our applicants, mortgage holders, and rental tenants. The Housing Support Worker is available to meet with members of MBQ to discuss housing needs and financial assessments and concerns related to housing. If you are living on the Tyendinaga Mohawk Territory and are having difficulty paying your rent, mortgage, or the utility bills for your home, please contact our Housing Support Worker.
The following Policies and Applications should be noted:
- Emergency Loan Policy
Revolving Mortgage Program
The revolving mortgage program has been in existence in Tyendinaga for approximately 32 years. At present it funds between 7 and 14 families each year with repayable mortgages to be used for building a new home or for purchasing an existing home on the Territory.
In 2009, there were 10 mortgages for $100,000 awarded. However, the amount that each applicant is awarded is based on our Housing Affordability Scale that is completed as part of the application package. This scale indicates how much an applicant can safely afford to repay without affecting any of their prior financial commitments. There is also a 1% down payment deposit that is payable when an applicant accepts the mortgage offer. The down payment will be paid in full back to the applicant at the end of the building or buying process.
Applications for Mortgages are accepted all year long but are deemed to be “first come, first served for eligible applicants and based on funding availability”.
The Mohawks of the Bay of Quinte have a rental home program that provides comfortable, affordable shelter to approximately 160 MBQ members and their families residing on the Tyendinaga Mohawk Territory. The rental units that are available include six-plex, four-plex, tri-plex, duplex and detached single family homes. Depending on the size of family, and the availability of units, applicants will be matched to a unit based on housing need, after being approved through our Rental Application process. Please note that we have a lengthy waiting list for rental housing and most candidates do not get a housing match immediately. It can take up to three years to reach the top of our waiting list. The Mohawks of the Bay of Quinte also offer some rent geared to income rental units and seniors one-story apartments and single detached homes. There are also a few wheelchair accessible units for applicants with mobility issues.
Applications for all rental units are made through the Housing Office. Please contact Lori Maracle at 613 396 3424 or by email at [email protected]