Professionals Consumers Housing Observer About
Skip to content
CMHC Home Canada Mortgage
and Housing Corporation
  • FR
  • Sign in photo Sign In
  • Insurance and Securitization

    • Homeowner and Small Rental Insurance
    • Multi-Unit Insurance
    • Securitization
    • Claims, Defaults and Risk Management

    Tools and Comparison

    • Calculating GDS/TDS
    • CMHC Default Management Tool Selector
    • How to Recognize and Report Mortgage Fraud
    • NHA Approved Lenders

    Housing Programs

    • Apartment Construction Loan Program
    • Housing Accelerator Fund
    • Federal Lands Initiative
    • View all housing programs

    Contact Us

    Contact details for mortgage loan insurance, underwriting, business development and real estate.

    Learn More

    NHA Approved Lenders

    Institutions approved to lend, underwrite and/or administer CMHC-insured loans.

    Learn More
  • Housing Themes

    • Housing Demand and Supply
    • Housing Finance
    • Indigenous Housing
    • Building Innovation
    • Housing Policies and Rules
    • Rental Markets and Vacancy Rates
    • Affordable and Non-Market Housing
    • Housing Needs and Conditions

    Research and Analysis

    • Housing Market Outlook
    • Housing Supply Report
    • Residential Mortgage Industry Report
    • Rental Market Report
    • Northern Housing Report

    Data and Statistics

    • Residential Mortgage Industry Data Dashboard
    • Canadian Housing Survey Data
    • Household Characteristics Data
    • Rental Market Data

    Reports Calendar

    Find out when we’re releasing our latest housing reports.

    Learn More

    Residential Mortgage Industry Report Spring 2026

    Highlighting mortgage trends, lender activity and housing finance insights to support informed decisions for stable, affordable markets.

    Learn More
  • Professionals
  • Consumers
  • Housing Observer
  • About
Housing Finance Solutions
  • Homeowner and Small Rental Insurance
  • Multi-Unit Insurance
  • Securitization
  • Claims, Defaults and Risk Management
  • Calculating GDS/TDS
  • CMHC Default Management Tool Selector
  • How to Recognize and Report Mortgage Fraud
  • NHA Approved Lenders
  • Apartment Construction Loan Program
  • Housing Accelerator Fund
  • Federal Lands Initiative
  • View all housing programs
Housing Expertise
  • Housing Demand and Supply
  • Housing Finance
  • Indigenous Housing
  • Building Innovation
  • Housing Policies and Rules
  • Rental Markets and Vacancy Rates
  • Affordable and Non-Market Housing
  • Housing Needs and Conditions
  • Housing Market Outlook
  • Housing Supply Report
  • Residential Mortgage Industry Report
  • Rental Market Report
  • Northern Housing Report
  • Residential Mortgage Industry Data Dashboard
  • Canadian Housing Survey Data
  • Household Characteristics Data
  • Rental Market Data
FR
Save Icon

SAVE TO MY FOLDER

How new members are admitted to housing co-ops

SAVE
Close this Window   |   Manage my Folder
Save Icon

SAVE TO MY FOLDER

How new members are admitted to housing co-ops

Done Done!
Close this Window   |   Manage my Folder
Share icon

Share via

  • Facebook
  • LinkedIn
  • Mail
  • print
  • CopyLink

SuccessCopyLinkVersionLink copied

Share icon

Share via

  • Facebook
  • LinkedIn
  • Mail
  • print
  • CopyLink

SuccessCopyLinkVersionLink copied

share icon

Mail-blue Share via Email

Did You Know?

You can include an email signature?

Register | Sign In

×
Google Captcha Loader
share icon

Mail-blue Share via Email

Done Done!
Close this window

How new members are admitted to housing co-ops

Guidance and advice on housing co-op membership policies and waiting lists.

Show Guide Chapters
  • Co-operative housing guide
  • Key documents needed to form a housing co-op
  • How housing co-ops make decision
  • How new members are admitted to housing co-ops
  • Member obligations to the housing co-op
  • Obligations of the housing co-op to its members
  • Governing legislation for housing co-ops
  • How to collect money owed by housing co-op members
  • How to evict a co-op member
  • Provincial/territorial housing co-op regulations

In general, provincial and territorial co-op acts say little about how a housing co-op should accept new members. Because co-ops are governed by their members, this means it’s up to your co-op to decide who becomes a member.

Approval of new co-op members

The process for admitting new members is set out in your housing co-op's bylaws or rules. Most co-ops have a similar process for recruiting and accepting new members. Specific parts of the process, though, will differ from co-op to co-op.

In general, a co-op:

  • accepts applications based on its application process
  • conducts a meeting or interview with the applicant
  • puts the applicant on a waiting list (if no units are available)
  • approves the application for membership

Your co-op’s board must ensure that clear membership policies exist and that they are followed when new members are admitted. These policies must not violate any human rights laws.

Several co-op acts prevent those under the age of majority from becoming co-op members. They may live in the co-op, but they do not have membership status.

Some co-ops will actively market their co-op to potential members and may hold public information sessions. Others strike (create) a membership committee to handle recruitment and interviews. In some housing co-ops, staff assist the board or membership committee. Staff may be responsible for advertising, doing credit checks and keeping members' files. Some co-ops even have staff interview applicants and keep files on prospective members.

Co-op waiting lists

A unit won’t always be available when someone applies to join your housing co-op. In this case, you would put the applicant on a waiting list that is processed on a first-come, first-served basis. Most co-ops have waiting lists and they may be particularly long for people who need subsidized housing.

Your co-op can’t allow applicants to sell their position on the waiting list to others. However, you may tell a person how far down the waiting list they are if they ask.

Occupancy agreement with members

Most co-ops have new members sign an occupancy agreement once the board has approved the application and offered a unit. This agreement is like a lease and sets out the rules that members need to accept and follow.

Housing co-ops and government funding

A housing co-op may receive money from the government to subsidize some of its units. In this case, the housing co-op must follow the rules set out in its funding agreement with the government. For example, the co-op may need to offer a certain number or percentage of units as subsidized housing.

Co-op members living in subsidized units have lower incomes and pay only a part of the housing charge. In these situations, the housing charge is usually set to about 30% of their household income.

Previous How housing co-ops make decision Next Member obligations to the housing co-op

Was this page relevant to your needs?

Thank you for your feedback!

How Can We Help?

What could we improve?

Please select all that apply.
Note: You will not receive a reply. Don't include personal information.

Google Captcha Loader

How Can We Help?

Report a Bug

Please describe the problem.

Google Captcha Loader

Thank you. Your feedback has been submitted.

Date Published: June 3, 2018
  • Solving housing affordability together
  • Industry innovation and leadership
  • Resources for housing professionals
  • Expand your knowledge of affordable housing
  • Co-operative housing guide
  • How new members are admitted to housing co-ops

By Topic

  • Professionals
    • Project funding and mortgage financing
    • Housing markets data and research
    • Industry innovation and leadership
    • Events and speakers
  • Consumers
    • Home buying
    • Owning a home
    • Renting a home

About Us

  • CMHC's Story
  • Management and Governance
  • Our Partners
  • Corporate Reporting
  • Contact Us
  • Careers

More

  • CMHC Housing Updates
  • CMHC Library
  • Housing Observer
  • Media Newsroom
  • CMHC and Accessible Housing
  • CMHC on Twitter
  • CMHC on LinkedIn
  • CMHC on Facebook
  • CMHC on Instagram
  • CMHC on YouTube
Privacy Policy    |    Terms and Conditions    |    Transparency    |    Accessibility Plan    |    Accessibility Feedback     Canada Mortgage and Housing Corporation (CMHC) ©2026 
Canada
loader icon