The City’s Multi-Tenant Houses Renovation & Repair Program provides forgivable loan funding to address costs related to improving safety and building conditions for tenants and bringing properties into compliance with the Multi-Tenant Houses framework. Fee waivers for planning application and building permit fees are also available to eligible property owners.

Through the program, the City aims to:

  • Support property owners and operators to obtain a licence under the regulatory framework for multi-tenant houses and come into compliance with the City’s Zoning By-law, Ontario Building Code, and Ontario Fire Code.
  • Protect tenancies while improving housing conditions and the health and safety of residents.
  • Secure existing affordable rental housing and preserve housing affordability by preventing renovation costs related to compliance with the licencing framework from being passed on to tenants in the form of rent increases.

Properties requiring renovations to comply with the Multi-Tenant Houses framework – including those with outstanding City work orders related to compliance – are encouraged to apply. The intent of the program is to assist with the work required so that the property can obtain a licence.

Renovation projects must meet the criteria below to be eligible for the program.

Criteria for Property

  • The Multi-Tenant Houses Renovation & Repair Program is for unlicensed multi-tenant houses, or for licensed multi-tenant houses at risk of losing their current licence.
  • Tenancies or housing must be at-risk due to non-compliance with the regulatory framework, the condition of the property, or the potential for tenant eviction and/or displacement from the multi-tenant house. 
  • The multi-tenant house may be occupied or vacant.

Criteria for Applicant

Criteria for a Renovation and Repair Project

  • The renovation and repair work must be required to comply with applicable laws and be issued a licence from the City.
  • Pre-construction work to obtain supporting materials required for planning and building application submissions or to complete any due diligence work.

The program application process is competitive, and funding is limited. Only those applications that best meet the program’s requirements will be eligible for funding and not all applicants will be successful. Successful applicants should not expect their entire funding request to be satisfied, and the final amount of funding provided to a successful applicant shall be at the City’s sole discretion.

Funding

Successful applicants may receive up to $100,000 in funding per “multi-tenant house room” as defined under the Multi-Tenant Houses Bylaw. This funding can be used to pay pre-construction costs to obtain supporting materials for building and planning applications, and/or eligible capital renovations costs that are directly required to bring the property into compliance with the regulatory framework and obtain a licence under the bylaw.

City Fee Waivers

Successful applicants may also receive waivers of planning application fees (including minor variance, rezoning, or others as required), and/or building permit fees. Successful applicants may be provided these waivers with or without being approved for funding under the program.

Forgivable Loan

All funding will be provided in the form of a forgivable loan. The value of the City funding and fee waivers will be repayable if the conditions of an applicant’s agreement with the City under the program are not met. In some cases, at the discretion of the Executive Director, Housing Secretariat, repayment of pre-construction funding and waivers may be forgiven if it is determined that the project cannot be cost effectively licensed.

Successful applicants will be required to provide security, commensurate with the value of the City funding and waivers provided, to secure this obligation, as determined by the City. Amounts of $25,000 or less will be secured by a promissory note, and amounts exceeding $25,000 will require a mortgage to be registered on title.

Soft Costs

Eligible soft costs:

  • Costs to hire a consultant and/or qualified profession such as an architect/designer to undertake pre-development planning and due diligence work (e.g. a building condition assessment, code compliance review, preparation of capital repair plans, developing plans and designs for municipal building, planning, and other approvals).
  • Costs to hire a consultant for work that facilitates short-term compliance and safety.

Hard Costs

Eligible hard costs:

  • Small-scale building improvements that support habitability and licencing and code compliance and housing stability.
  • Renovation and construction costs to bring the property into compliance with the regulatory framework and obtain a licence under the Multi-Tenant Houses Bylaw, the Ontario Building and Fire Codes, and the Zoning By-law.

Work that is not eligible for program support includes:

  • Fines or charges as a result of enforcement actions taken by the City for non-compliance with applicable laws.
  • Costs not related to work required to bring the multi-tenant house into compliance with applicable laws and obtain a licence under the Multi-Tenant Houses Bylaw.

The City will determine if the requested types of work and associated costs are eligible, and decisions will be final.

The program application package is available from the City of Toronto’s Housing Secretariat. The application package will be provided after an introductory meeting between City staff and the applicant and/or their representatives. The application process is designed to ensure the City receives applications in an orderly and efficient manner and that applicants receive fair and equitable treatment in the receipt and evaluation of their applications.

Please contact Housing Secretariat staff to arrange for an introductory meeting by emailing MTHrenovationfund@toronto.ca.

Emails should use the following format, providing the address of the multi-tenant home property and contact information:

Subject: (Insert address of multi-tenant house) MTH Renovation Program inquiry

Contact information:

Name:

Telephone number:

Email:

Find out more about the regulatory framework for multi-tenant houses that came into effect on March 31, 2024.