If you need to make emergency repairs to your home to keep yourself and your family safe, we can help. Through our Emergency Repair Program (ERP) On-Reserve, we provide financial support to help low-income on-reserve households make the repairs they need.
Who is eligible for financial support?
A First Nation or First Nation member living on reserve may apply for financial support. However, the household income must be at or below the established limit which is based on the location of the community.
What emergency repairs are covered by this program?
Financial support is available only for emergency repairs to your home that are needed immediately. Several kinds of emergency repairs are covered by our program. For example, we can help you:
- repair or replace a broken heating system
- repair structural damage to your foundation, roof or exterior walls
- repair plumbing problems preventing potable water from getting to your home
- repair wiring and electrical systems to address health and safety hazards
- repair or replace damaged flooring that be a safety hazard
- fees associated with Professional Engineers or qualified professionals to validate repairs
Important: Have you done any of these repairs before getting your application approved in writing? If so, they won’t be eligible for funding under this program. Once you get approval, all work must start within 30 days and be completed within 90 days.
How much financial support is available?
We will provide eligible owners with up to $30,000 for the needed repairs. This is a contribution, not a loan, which means it doesn’t have to be repaid. If the property is on-reserve in northern or remote areas, the maximum amount may be increased by 25%.
What if I need repairs but it’s not an emergency?
You may be eligible for one of our other on-reserve housing programs. For example, we have a program to help with repairs to improve the health and safety of on-reserve housing. There’s also a programs to fund accessibility modifications and adaptations for seniors and people with disabilities.
Still have questions about the Emergency Repair Program?
Contact your CMHC Housing Solutions Specialist – Indigenous and the North.