The MNO Emergency Repair Program (ERP) aims to provide low-to-moderate income Métis Citizen home owners with a one-time¹ forgivable loan² to complete necessary emergency repairs that would compromise the home's integrity and/or improve accessibility for persons with disabilities up to a maximum of $15,000.00. 

Additional funding may be available for high cost emergency replacement of septic systems, well water and well drilling, mold remediation, asbestos removal, and structural/ foundation repairs (certain criteria applies).

Eligibility Criteria:

• Primary applicant must be a registered and confirmed Métis Citizen of Ontario with a complete file and is 18⁺ years of age
• MNO citizen must be registered on title and occupy the property as the full-time, permanent, and sole residence for a minimum of 2 years
• Total household gross income must be below the INCOME THRESHOLD³
• Property is insured 
• Property taxes are paid up-to-date
• Must have eligible emergency repairs 
• Property value must be below the MARKET VALUE THRESHOLD
• Property is location in Ontario and off reserve

Please contact the coordinator to see if your household income would qualify or has changed since 2025 (certain restrictions apply and exemptions may be considered).

Eligible Repairs: 

Eligible repairs are those that compromise the integrity of the home, improves accessibility, or threatens the health and safety of the occupants. All repairs are subject to MNO Housing Inspector's recommendation. These may include but are not limited to:

• Roof; eaves, soffit, fascia 
• Heating system
• Plumbing system
• Electrical system
• Insulation
• Windows and doors
• Accessibility modifications⁴
• Foundation/ structural
  
• Well water and well drilling
• Septic system
• Mold remediation 
• Asbestos removal 
• Other repairs maybe considered on a case by case basis upon review of supporting documentation and recommended by the MNO Housing Inspector.

Eligible Dwelling Types:

• Single detached homes
• Semi-detached homes
• Townhouses/row houses
• Condo (written letter of permission from condo board may be required)
• Mobile Homes (for those on leased land, a written letter of permission from the landowner is required and land lease must extend beyond the forgiveness period)

✔ Document Checklist:

Current documents are mandatory for all household members 18⁺ years at the end of the application for program evaluation. 

These documents include but not limited to: 

1. Income Documents: 2025 Proof of Income Statement & 2025 Notice of Assessment. Each household member is required to submit all sources of personal or business income.
   
2. MNO Citizenship Card: A copy of the primary applicant's citizenship card.  Citizen checks are completed with MNO Registry to confirm completed files as per MNO Policy #2021-001: Eligibility for Direct Benefit Programs and Services.
3. Photo I.D. (Drivers License or Ontario ID): Each household member(s) PLUS all title owner(s) will be required to provide a copy of their photo I.D. showing address.
4. MPAC Assessment: A copy of your most recent MPAC Statement including all pages.(https://www.mpac.ca/en/MakingChangesUpdates/RequestingCopyYourNotice)
5. Property Tax Bill: A copy of your most recent tax bill showing paid up to date. 
6. Property Insurance: A copy of your property insurance policy including all pages. 
7. Pictures of each repair: Current pictures of front/ back of house and each requested repair item. 
8. Doctors Note or OT Report: For accessibility or certain health and safety repairs, a doctors note is mandatory to support the repair request.⁵ 
9. Land lease Agreement for Mobile Homes (if applicable): For those on leased land, a written letter of permission from the landowner stating the homeowner can complete the repair, the land lease must extend beyond the 5 year forgiveness period, and the current land lease agreement must be provided in lieu of the tax bill. 
10. Other documents may be requested.⁶ 

Important Notes:  

• Due to funding limitations, applying to the program does not guarantee funding approval. 
• The ERP application may close prior to the deadline and without notice. 
• Any cost above funding approval will be the responsibility of the homeowner and prior to the MNO release of any funding. 
• Payments are made directly to the contractors through Electronic Funds Transfer (EFT). No payment of funds are made to the applicant/ client at any time. 
• Applicants must have the ability to submit home insurance annually during the 5 year forgiveness term as per the programs terms and conditions.

Ineligible:

• Properties that are newer than 7 years.
• Properties that were recently purchased in the previous 2 years. 
• Properties that are currently under construction, uninhabitable, or unsalvageable.  
• Repairs or upgrades for aesthetic purposes (lighting fixtures, windows, entrance, etc.)
  
• Additions or expansions (garages, secondary units, basement etc.) 
• Non-essential systems (secondary heating system, fences, lawns, driveways, sprinkler system etc.)
  
• Maintenance and prevention services (septic pumping, heating system, weather stripping, winterproofing etc.)
• AC units (unless deemed necessary by a medical professional due to medical condition - doctors’ assessment or OT report is required)
• Other (appliances, switching units from rented to owned, repairs where insurance claims can be made, generators etc.)
• Repairs not determined eligible by the program administrators. 

To access the application, you must first REGISTER with Survey Monkey, using your email address and the primary applicant's first and last name. Please write down your login information as you will continue to use Survey Monkey throughout the program stages.

 Do NOT use another person's login information as this determines your application ID. 

What you need to know when working with contractors Click HERE

Homeowner Supports Contact Information:
705-722-5022 x 302

homeownersupports@metisnation.org

Office Hours Monday to Friday 8:30 am to 4:30 pm, lunch break - 12 pm to 1 pm

Please check your junk folder for any e-mail correspondence. We attempt to respond to all inquiries within 2 business days.

Applying to the program does not guarantee funding approval. As funds are limited, only applicants who have received written approval will be guaranteed assistance. Any false or misleading information will immediately disqualify your application and you will be unable to re-apply to the program. Any work started prior to receiving written approval will not be eligible and your application will be closed. 

Please do not submit receipts as this is not a reimbursement program. Use Survey Monkey throughout the course of  ALL stages of the ERP application process. You may log into your account at any time to view the status of your application. 

A title search is completed on your behalf by the program administrators to verify ownership of the property. 

¹Applicants who have previously received funding and are continuing to earn forgiveness through the MNO Home Improvement Program and Emergency Repair Program will not be eligible.

²Forgivable loan: is a type of loan where the borrower does not have to repay all or part of the loan if they meet certain terms and conditions set by the lender.  For the ERP program, approved applicants are required to sign a Letter of Agreement and Promissory Note maintaining ownership and occupancy for the 5 year term (additional criteria applies).

³Household member(s): Individuals who are residing at the property on a part-time/ full-time/ casual basis, who may be a dependent(s), extended family, friend(s), and/ or renter(s) must provide their current income documents for program evaluation. 

⁴Additional grant funding may be available for homeowners and their dependents seeking accessibility modifications to support a physical disability. 

⁵Any cost associated to obtaining the doctors note or OT report will be at the applicants expense. The program does not reimburse any costs associated in completing this application. 

⁶Other documents may include but are not limited to mortgage statement, alimony/ child support payments, rental receipts, inspection reports etc.