Overview

The Oneida Nation of the Thames Housing Department is committed to helping meet the housing needs of our residents. The Housing Program provides residential services and initiatives to applicants requiring assistance in new construction, purchasing, renovations or rental of a home within Oneida Nation of the Thames. The Housing Department hosts information sessions and workshop seminars with presenters from a wide range of housing agencies and organizations including Indigenous and Northern Affairs Canada (INAC) and the Canada Mortgage and Housing Corporation (CMHC).

Housing Information:

Housing Policy & Procedures Guidelines approved by Oneida Council Feb 3, 2015

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Oneida Nation Housing Loan Application revised March 3, 2009

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Housing Department Services and Initiatives:

Building or Buying a Home

When building or buying a new home in Oneida Nation of the Thames, the prospective builder or buyer must be aware of, and comply with, national, provincial, and Oneida Nation of the Thames building codes, regulations, and requirements, regardless of the source of funding. To build or buy a home in Oneida Nation of the Thames, the new home owner must be a registered member of the Oneida Nation of the Thames. Builders and sellers must hold the registered certificate of possession for the lot on which they plan to build or sell.

There is two options to fund building or buying a new home.

  1. Bank of Montreal On-Reserve Housing Loan Program
  2. Private/Self-Sufficient Funding

Bank of Montreal On-Reserve Housing Loan Program

The Bank of Montreal On-Reserve Housing Loan program provides repayable funding in the form of mortgages to Oneida Nation of the Thames members wishing to build or buy a home on the Oneida Nation of the Thames. The amount of funding that is accessible to applicants of this program is limited and is negotiated in a contract between the Bank of Montreal and Oneida Nation Council. The On-Reserve Housing Loan program is guided by the Policies and Application process of the Bank of Montreal. Currently, applicants to this program, if eligible, can receive up to $85,000 towards their mortgage. There is a required administration payment of 4% of the total amount of the mortgage. For more information, please contact the Bank of Montreal directly at (877) 225-5266.

Private/Self-Sufficient Funding

Builders or buyers who have the means to construct or purchase a new home through their own sources of funding, are still required to comply with National, Provincial, and Oneida Nation of the Thames building codes, regulations, and requirements. To build or buy a home, the new home owner must be a registered member of Oneida Nation of the Thames. They also must hold the registered certificate of possession for the lot on which they plan to build.

Renovating Your Home

The Renovations program through the Oneida Nation of the Thames is geared toward homeowners in good standing with their mortgage and who meet suitable credit checks and affordability scales. The Oneida Nation of the Thames Renovation program allows mortgaged and non-mortgaged homeowners the opportunity to apply for funding to renovate their homes up to the maximum mortgage amount allotted for that year.

The Oneida Nation of the Thames has a special option for senior citizens who are in need of renovations. The Seniors Renovation Grant is designed to help the elderly who are on a limited income, renovate their home, up to a maximum of $8,000.

The Residential Rehabilitation Assistance Program (RRAP) is designed to help renovate homes with health and safety concerns that are owned by homeowners who cannot afford to renovate their homes because of their limited income.The loan is forgivable and the homeowner is not responsible for repayment of the loan, so long as they comply with the conditions of the loan as defined by CMHC. There are conditions to the RRAP program and applicants must apply and be deemed to be eligible by CMHC. Interested applicants can contact Diane Doxtator at Oneida Nation of the Thames Administration Building at (519) 652-3244, for more information.

The Bank of Montreal On-Reserve Housing Loan program also provides an option for homeowners who are mortgaged through them or who have no mortgage, to apply for funding to renovate their home. Applicants must meet the criteria for the program and be approved through the Bank of Montreal.

Residential Rehabilitation Assistance Program Application

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Renting a Home

The Oneida Nation of the Thames have a rental home program that provides comfortable, affordable shelter to Oneida members and their families residing on the Oneida Nation of the Thames. The rental units that are available are detached single family homes. Depending on the size of family, and the availability of units, applicants will be matched to a unit based on housing need, after being approved through our Rental Application process.

The Oneida Nation of the Thames also offer some rent geared to income rental units. There are also a few wheelchair accessible units for applicants with mobility issues. Applications for all rental units are made through the Housing Department. Please contact Diane Doxtator at (519) 652-3244 ext.820

Housing Support

The Oneida Nation of the Thames Housing program offers Housing support to our applicants, mortgage holders, and rental tenants. The Housing Coordinator is available to meet with members of Oneida Nation of the Thames to discuss housing needs and financial assessments and concerns related to housing. If you are living on the Oneida Nation of the Thames and are having difficulty paying your rent, mortgage, or the utility bills for your home, please contact the Housing Coordinator.

’Diana

’Diana

’Housing

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Vacant Position

Housing Clerk

Housing Department

Oneida Nation of the Thames
Band Administration
2213 Elm Avenue
Southwold, Ontario
N0L 2G0
Tel:  (519) 652-3244
Fax: (519) 652-9287