Skip to content
CMHC Home Canada Mortgage
and Housing Corporation
  • Sign In or Register
  • Français
  • MENU
MENU
× Français
  • Home
  • Professionals
    • Project funding and mortgage financing
      • Funding programs
        • Affordable Housing Fund
        • Affordable Housing Innovation Fund
        • Apartment Construction Loan Program
        • Canada Greener Affordable Housing
        • Community (social) housing
        • Federal Lands Initiative
        • Funding for Indigenous housing
        • Housing Supply Challenge
        • Innovation and research
        • National Housing Strategy Project Profiles
        • Rapid Housing Initiative
      • Mortgage Loan Insurance Products
        • Homeowner and Small Rental Mortgage Loan Insurance
          • CMHC Purchase
          • CMHC Improvement
          • CMHC Income Property
          • CMHC Refinance
          • CMHC Newcomers
          • CMHC Self-Employed
          • CMHC Portability
          • Eco Products for Lenders
        • Multi-Unit and Rental Housing
          • MLI Select
        • Default, claims and properties for sale
        • Underwriting centre
        • emili
        • NHA approved lenders
        • Calculating GDS / TDS
        • How to recognize and report mortgage fraud
        • Contact mortgage loan insurance
        • Insured Mortgage Purchase Program (IMPP)
      • Securitization
        • NHA Mortgage Backed Securities
        • Canada Mortgage Bonds
        • Canadian registered covered bonds
        • Blockchain in the housing industry
    • Housing markets, data and research
      • CMHC Reports Calendar
      • Housing markets
        • Housing market reports
        • Mortgage market and consumer reports
        • Fall 2024 Rental Market Report
      • Housing research
        • Consultations
          • Prohibition on the Purchase of Residential Property by Non-Canadians Act
            • Prohibition on the Purchase of Residential Property by Non-Canadians Act – Frequently asked questions
        • Housing research reports
        • Housing surveys
          • Mortgage consumer surveys
        • Research awards and scholarships
        • Understanding core housing need
        • Collaborative Housing Research Network
      • Housing data
        • Data tables
          • Household characteristics data
          • Housing market data
          • Mortgage and debt data
          • Rental market data
        • Housing market information portal
        • Residential Mortgage Industry Data Dashboard
        • CMHC licence agreement for the use of data
        • Housing Knowledge Centre
    • Industry innovation and leadership
      • Housing innovation
      • Our Partners
        • Partnerships
        • Federal, Provincial and Territorial Forum on Housing
      • Industry collaboration
        • Expert Community on Housing (ECoH)
      • Industry expertise
        • Affordable housing
        • Indigenous housing
        • Senior housing
        • Accessible and adaptable housing
        • Developing sustainable housing
        • Resources for mortgage professionals
        • CMHC newsletters
    • Events and speakers
      • Conferences
        • 2024 National Housing Conference
          • About
          • National Housing Conference - Agenda
          • Location
          • InnoZone
          • Details for participants
      • Speakers’ bureau
        • Kevin Hughes
  • Consumers
    • Buying a home
      • Homebuying calculators
        • Mortgage calculator
        • Affordability calculator
        • Debt service calculator
      • Buying guides
        • Homebuying step by step
        • CMHC's condominium buyer's guide
      • Mortgage loan insurance for consumers
        • What is CMHC mortgage loan insurance?
        • Do I qualify for mortgage loan insurance?
        • CMHC mortgage loan insurance costs
        • CMHC's Eco Products
          • CMHC’s Eco Improvement
          • CMHC Eco Plus
        • CMHC — home renovation financing options
        • FAQs — mortgage loan insurance
      • Incentives for homebuyers
      • Newcomers
      • The First-Time Home Buyer Incentive
    • Owning a home
      • Manage your mortgage
        • Mortgage fraud
        • Mortgage planning tips
        • Plan and manage your mortgage
        • Your credit report
        • Your home value
      • Aging in place
        • Housing options for Seniors
        • Housing and finance tips
        • Mortgage financing options for people 55+
        • Preventing fraud and financial abuse
    • Renting a home
      • I want to rent
        • Things to consider before renting
        • Types of housing for rent in Canada
        • Finding or advertising a rental property
        • Visiting the rental property
        • Lease and rental agreements
        • Signing the lease
        • Credit checks and bad credit
        • Rental payments and deposits
        • Roommates and pets
      • I am renting
        • Moving day
        • Landlord/Tenant responsibilities
        • Inspections
        • Maintenance and repairs
        • Complaints and evictions
        • Rent increases
        • When you can't pay rent
        • Renewing or terminating the lease
        • Moving out
      • One-Time Top-Up to the Canada Housing Benefit
      • COVID‑19: eviction bans and suspensions to support renters
  • About CMHC
    • CMHC’s goals, values and commitment to housing
    • Discover Life at CMHC
    • Management and governance
      • Speakers’ bureau
      • CMHC's Annual Public Meeting
      • CMHC’s board of directors and committees
      • Our management committee
      • Pension governance
        • Pension overview
        • Key roles and responsibilities
        • Annual reports
    • Corporate reporting
      • CMHC’s 2023 Annual Report
      • Program evaluation
      • Quarterly financial reports
      • Joint auditors special examination report to CMHC board 2018
      • CMHC’s Insured Mortgage Deferral
      • Corporate Plan Summary
      • Transparency
        • Access to information and privacy protection
        • Accessibility at CMHC
        • Accessibility feedback process
        • Briefing materials
        • Procurement
          • Vendor Diversity Program
        • Travel, hospitality and conference expenditures
    • Contact us
      • Contact mortgage loan insurance
      • Regional offices
      • Granville lsland
      • Indigenous and the North Housing Solutions
      • National office
      • Holiday service hours
  • Media Newsroom
  • National Housing Strategy
    • What is the strategy?
      • About the initiatives
      • How to apply
      • Help and resources
      • Priority areas for action
      • The National Housing Strategy Glossary of Common Terms
      • The Strategy in Action
    • Federal/Provincial/Territorial housing agreements
    • Other funding and financing opportunities
  • The Housing Observer
  • Canada’s Housing Podcast
  • Careers
  • Housing Knowledge Centre
 
  • Home
  • National Housing Strategy
  • National Housing Strategy Project Profiles
  • Building affordable, sustainable and inclusive communities
  • Save
  • Share

Building affordable, sustainable and inclusive communities

Creating inclusive, integrated and truly mixed communities in Ottawa, Ontario

Centretown Citizens Ottawa Corporation: 143-153 Arlington Ave in Ottawa, ON

For a growing number of developers across the country, affordable housing is about more than bricks and mortar. It’s about creating inclusive, integrated and truly mixed communities, where all residents can take pride in the place they call home.

Fast facts

  • Project: Arlington Avenue Townhouses
  • Location: 143-153 Arlington Avenue, Ottawa, ON
  • Developer: Centretown Citizens Ottawa Corporation (CCOC)
  • Architect: CSV Architects
  • Builder: Taplen Construction
  • Building type: Stacked townhomes
  • Size: 16,093 ft2 (1,526 square metres)
  • Units: 16 units of affordable rental housing (two- and three-bedrooms)
  • Tenants: Mixed (incl. moderate and low-income families and individuals)
  • Cost to build: $5,091,000 (not including value of land)
  • Rents: Affordable rents at or below 70% of 30% of Median Household Income
  • Funding partners: CMHC Rental Construction Financing initiative (RCFi) ($3.97 million loan); CCOC equity investment ($600,000); City of Ottawa – Section 37 grant ($500,000); CMHC SEED funding ($23,000)

Renovate or build new?

“Our mission is to create mixed housing in every sense of the word,” explains CCOC Executive Director, Ray Sullivan. “Mixed incomes, singles, families and seniors, people with accessibility requirements – all living together in a true community.”

“Our mission is mixed housing in every sense of the word. Mixed incomes, singles, families and seniors, people with accessibility requirements – all living together in a true community.”
— Ray Sullivan, Executive Director, Centretown Citizens Ottawa Corporation (CCOC)

Centretown Citizens Ottawa Corporation (CCOC) is a community-based, private non-profit housing organization that creates, maintains and promotes housing for low-and moderate-income people. Currently, they own and manage some 50 properties providing 1,600 units of affordable housing.

For Arlington Avenue, CCOC chose to tear down an existing 12-unit building they had been operating for decades and build an entirely new structure from scratch. According to Ray, the motive behind the teardown was simple economics.

143-153 Arlington Avenue. Source: Centretown Citizens Ottawa Corporation.

“We’ve owned the older building since the late 1970s,” he says. “After 35 years, it needed a lot of work. To renovate these 12 units, we realized we would have to invest up to 2 million dollars. Alternatively, with support from the Rental Construction Financing initiative, we could invest $600,000 and end up with 16 new and much higher-quality homes.”

A win-win-win for residents, the community and the environment

As part of its mission, CCOC is committed to building homes that are as environmentally friendly as they are affordable. For Arlington Avenue, they decided to use a Passive House approach to get the best results for the lowest cost.

Pioneered in the early 1970s, Passive House focuses on simple and inexpensive techniques like improved insulation and airtight building envelopes to enhance energy efficiency, reduce operating expenses and create a healthier living environment.

“The great thing about Passive House is it doesn’t take a lot of money to have a big impact,” Ray explains. “It’s really simple technology. What it all comes down to is paying lots of attention to the details at every stage of the design and construction process. If done properly, with a Passive House design, you could theoretically heat an entire building with a candle and cool it with an ice cube.”

“The great thing about Passive House is it doesn’t take a lot of money to have a big impact…. with a Passive House design, you could theoretically heat an entire building with a candle and cool it with an ice cube.”
— Ray Sullivan, Executive Director, Centretown Citizens Ottawa Corporation

For Arlington Avenue, this included features like:

  • super-insulated (12”) walls and roofs
  • triple-glazed windows with solar shading
  • airtight building envelope with minimal thermal bridges
  • ENERGY STAR® appliances and low-flow water features
  • high-efficiency Energy Recovery Ventilation (ERV) system
  • energy-efficiency savings of 56% relative to the 2015 National Energy Code for Buildings

“Our investment in Passive House added around 7% or 8% to our budget,” Ray says. “But the energy savings will more than recoup that cost. Plus, it dramatically reduces our tenants’ monthly utility bills, which is what affordable housing is all about.”

Putting the pieces together

In terms of affordability, under CCOC’s contribution agreement with the City of Ottawa, the Arlington Avenue project meets or exceeds all of the municipality’s affordability criteria.

To launch the project, the CCOC sold a 4-unit building they owned nearby. The City of Ottawa awarded them a Section 37 grant of $500,000. For the rest of the budget, CCOC turned to CMHC and the federal government’s Rental Construction Financing initiative (RCFi).

Rental Construction Financing initiative (RCFi)

The Rental Construction Financing initiative (RCFi) provides low-cost loans to help build affordable and sustainable rental housing for middle-and low-income Canadians. Part of the federal government’s 10-year, $70-billion National Housing Strategy (NHS), RCFi loans offer:

  • 10-year terms and up to a 50-year amortization period
  • fixed interest rates during the riskiest stages of development
  • interest-only payments during construction through to occupancy permit
  • up to 100% loan to cost for residential space

“The RCFi funds were a real make-or-break for us,” Ray says. “Coming up with equity for new projects is a challenge for any non-profit provider and the low rates offered through the RCFi drastically reduced that hurdle. The RCFi loan made this entire project possible.”

Arlington Avenue also offers its tenants a number of other advantages. These include:

  • central location with access to services, public transit and employment
  • barrier-free design including two adaptable suites and two fully accessible units
  • 16 bicycle parking spots in addition to five vehicle spots
  • an integrated design that blends into the surrounding neighbourhood

An eye towards the future

According to Ray, CCOC is already making plans to adapt some of the lessons they learned at Arlington Avenue for their future projects.

“The use of Passive House and accessing the RCFi funding, will definitely be part of our future decision-making,” he says. “There’s no question this is an approach that works for us, for the community and for keeping housing affordable for our tenants for decades to come.”

“There’s no question this is an approach that works for us, for the community, and for keeping housing affordable for our tenants for decades to come.”
— Ray Sullivan, Executive Director, Centretown Citizens Ottawa Corporation (CCOC)

To find out more:
Centretown Citizens Ottawa Corporation
Web: https://ccochousing.org
Email: info@ccochousing.org
Tel: 613-234-4065

Feeling inspired?

Learn more about the Apartment Construction Loan Program.

Date Published: November 23, 2021
Save Icon

SAVE TO MY FOLDER

Building affordable, sustainable and inclusive communities

SAVE
Close this Window   |   Manage my Folder
Save Icon

SAVE TO MY FOLDER

Building affordable, sustainable and inclusive communities

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

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 Newsletters
  • 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) ©2025 
Canada
loader icon