Habitat for Humanity Peterborough & Kawartha Region

What Habitat for Humanity Peterborough & Kawartha Region does

Habitat for Humanity Peterborough & Kawartha Region is a Canadian non-profit affordable housing organization founded in 2002, operating as a local affiliate of Habitat for Humanity Canada. Its primary function is building and selling affordable homes to lower-income families in the Peterborough, Kawartha, and Haliburton regions of Ontario. Homes are sold with no down payment and geared-to-income mortgages, and permanent affordability is maintained through a purchase-back clause that returns the home to the affordable stock upon resale. Since inception the affiliate has helped approximately 100 families and currently carries a stated pipeline of 149 affordable homes.

The organization's core operating platform combines several arms. Construction is supported by volunteer labour mobilized through Corporate Build Days and Women Build Workshops, supplemented by a Kitchen and Home Deconstruction service. Retail operations are run through ReStores (currently Peterborough and Lindsay following the September 2025 closure of the Lakefield location) that accept donated goods and resell them to fund builds, with annual throughput in the hundreds of thousands of items. Adjacent community assets include the Kawartha Tool Library (supported by Lend Engine software) and the High Impact Investment Program, which channels community lending into the build pipeline. Mission-aligned partnerships extend the model into supportive housing, including a project with Our Daughter's Home for women with intellectual disabilities.

The business model is a hybrid non-profit funding stack. Government sources — most notably a $4.75M commitment since 2019 from the federal/provincial Affordable Housing Fund — anchor capital availability. Corporate sponsors (RBC, D.M. Wills, Mariposa Dairy, 100 Women Peterborough) and individual donors provide additional capital, while ReStore retail sales, deconstruction fees, and small-scale fundraisers (Vineyard Party, Meaning of Home, Cabinetree, Beer Store partnerships) generate operating revenue. Mortgage repayments from homeowners recycle into the pipeline via the High Impact Investment Program, creating a quasi-revolving capital structure aligned with the affordable-housing mandate.

Name

Habitat for Humanity Peterborough & Kawartha Region

Legal name

Habitat for Humanity Peterborough & Kawartha Region

Website

https://habitatpeterborough.ca

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Non-profit affordable housing affiliate founded in 2002 serving Peterborough, Kawartha, and Haliburton regions of Ontario; builds no-down-payment, geared-to-income homes for lower-income families and operates ReStores, deconstruction services, and a community tool library to fund the pipeline.

Ownership category

akta.pro rank

Product category

Affordable Housing Services

NAICS

Residential Building Construction (2361), New Multifamily Housing Construction (except For-Sale Builders) (236116), Other Community Housing Services (624229)

SIC

General Bldg Contractors - Residential Bldgs (1520), Services-To Dwellings & Other Buildings (7340)

akta.pro primary industry

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)

akta.pro secondary industries

Residential Affordable Housing Development & Construction (IMAFABAI), New Construction-to-Perm (Single-Family Owner-Occupied) (FSALAHAA), Multifamily Construction-to-Perm Financing (FSALAHAD)

Keywords

• Affordable home construction
• Geared-to-income mortgages
• Reuse retail stores
• Volunteer build programs
• Supportive housing development

Headquarters

HQ city

Peterborough

HQ country

Canada

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Supply Chain, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Habitat ReStore Sales: Donated furniture, appliances, building materials, and home goods are sold at two retail locations (Peterborough and Lindsay). All proceeds directly fund affordable homebuilding projects in the region.
2. Homeownership Program Mortgage Payments: Families purchase homes with no down payment and a geared-to-income mortgage. Homes remain permanently affordable through Habitat's purchase-back arrangement.
3. Donations and Fundraising: Individual donations, corporate sponsorships, community fundraising events (HomeGrown galas, Women Build Retreat, golf tournaments, bottle drives), and legacy gifts support operations and construction.
4. High Impact Investment Program: Community supporters provide loans at agreed interest rates to fund affordable housing projects without long-term debt. Lenders receive interest payments and can receive charitable tax receipts for accrued interest.
5. Kitchen & Home Deconstruction Services: Free deconstruction service for renovating homeowners; donated materials are sold in ReStores with charitable tax receipts provided based on resale value.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels10 records

Core offering

Habitat PKR builds affordable single-family homes and multi-unit condominium developments for working families who cannot qualify for conventional mortgages, offering homes with no down payment and a geared-to-income mortgage kept permanently affordable through a purchase-back arrangement. The organization supplements construction funding through Habitat ReStores — discount retail stores selling donated furniture, appliances, and building materials — and through donations, corporate sponsorships, government grants, and a community High Impact Investment lending program.

Product overview

Habitat for Humanity Peterborough & Kawartha Region operates as a non-profit affordable homeownership organization offering a portfolio of interconnected programs and retail operations. The core Affordable Homeownership Program enables families to purchase homes with no down payment and geared-to-income mortgages. This is supported by Habitat ReStores, which generates funding through retail sales of donated items. Additional services include Kitchen & Home Deconstruction, the Kawartha Tool Library for community tool access, the High Impact Investment Program for community funding, and various educational workshops. Build projects include single-family homes, multi-unit condominiums, and supportive housing developments across Peterborough, Kawartha, and Haliburton regions.

Differentiator

Problem solved

Functional benefit

Products and services

• Affordable Homeownership Program Enables qualified families to purchase homes with no down payment and a geared-to-income mortgage. Households earning up to $95,000 may qualify. Applicants must complete 500 volunteer hours and attend homeownership workshops. Homes remain permanently affordable through Habitat's purchase-back covenant.
• Habitat ReStores Discount retail stores selling donated furniture, appliances, building materials, tools, and home décor. Proceeds fund Habitat's affordable homebuilding projects. Locations in Peterborough and Lindsay. ReStore Rewards loyalty program available. Free donation pickup service across the region.
• Kitchen & Home Deconstruction Service Professional team dismantles and removes kitchens, cabinets, appliances, bathroom fixtures, doors, windows, and built-in items for free from renovating homeowners. Salvaged materials are sold at ReStores to fund affordable housing builds, with charitable tax receipts provided based on resale value.
• High Impact Investment Program Community supporters provide loans at agreed interest rates to fund affordable housing projects without long-term debt. Lenders receive annual interest payments and may receive charitable tax receipts for accrued interest.
• Kawartha Tool Library Tool lending service with over 1,000 tools available for borrowing. Membership options include Regular ($60/year), Student ($40/year), Household ($90/year), and Organization ($150/year). Located inside Peterborough and Lindsay ReStores.
• Corporate Build Days Corporate team-building program where companies donate and work on build sites. Minimum donation $2,500 for up to 10 participants on a build day. Corporate ReStore Days also available at $1,000 for up to 6 participants. 100% of donations directly invested into builds.
• Workshops & Events Educational workshops including monthly Homeowner Information Sessions, Women Build Workshops (Wednesday evenings), Junior Builders Workshops (kids ages 6-11), and Home Improvement Workshops (Tuesdays).
• Our Daughter's Home Supportive Housing Accessible duplex housing for seven women with developmental disabilities requiring 24/7 on-site support, in partnership with Our Daughter's Home. Located on Sophia Street in East City, Peterborough.

Quantifiable outcome

• 100 families achieved affordable homeownership since 2002
• +4 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

13 partnerships are on record, tiered core and minor.

• D.M. WillscoreGTM or Marketing Partner · 3 October 2025Presenting sponsor of Women Build Retreat 2025. Three-day retreat held at Camp Timberlane in Haliburton raised $15,000 for affordable housing. D.M. Wills shares common vision of building resilient, connected communities.
• Places for PeoplecoreStrategic or Co-development Partner · 1 September 2025Partnership to bring 35 new affordable homes to Haliburton Peninsula Road. 20 units for Habitat PKR affordable homeownership, 15 units for Places for People affordable rentals. Combines Habitat's homeownership expertise with Places for People's rental management experience.
• RBC (Royal Bank of Canada)coreGTM or Marketing Partner · 6 June 2025Presenting sponsor of HomeGrown Garden Disco fundraiser that raised $15,000. RBC Vice-President Leyna Rottboll participated in event. Also supports addressing adequate housing in Peterborough & Kawartha Region.
• Mariposa DairycoreStrategic or Co-development Partner · 1 June 2025Corporate build partner that transformed parking lot into temporary construction site. Approximately 25 employees built walls and window framing for three future affordable Habitat homes in Norwood. Represents ongoing commitment to community partnership through hands-on volunteer efforts.
• Our Daughter's HomecoreStrategic or Co-development PartnerPartnership to build accessible duplex on Sophia Street for seven women with developmental disabilities requiring 24/7 on-site support. Groundbreaking July 2025. 8 bedrooms total including live-in support worker room.
• The Beer StoreminorChannel Partner/ Reseller/ DistributorAnnual bottle drive partnership allowing customers to donate beverage container refunds to Habitat PKR. Containers carry 10-20 cent deposits eligible for donation.
• Rolling Grape VineyardminorGTM or Marketing PartnerEvent venue host for HomeGrown: A Habitat Vineyard Party fundraiser that raised $24,000 in June 2025. Italian-inspired evening with gourmet meal and wine pairings.
• CabinetreecoreStrategic or Co-development PartnerPeterborough-based cabinet manufacturing company and long-term build partner for 37 years. Donates cabinetry and expertise. Recognizes symbiotic relationship with local community.
• Patrick McAuley Real Estate Group (Bowes & Cocks Ltd.)minorGTM or Marketing PartnerLocal Meaning of Home Contest ambassadors raising awareness about student writing contest in local schools and encouraging participation to increase donations to Habitat PKR.
• Donate a Car CanadaminorChannel Partner/ Reseller/ DistributorThird-party partner handling vehicle donations for Habitat PKR. Provides free towing across Canada, issues tax receipts, and either recycles or auctions vehicles.
• Home DepotcoreStrategic or Co-development PartnerBuild project supporter for Our Daughter's Home project. Provides materials and resources for affordable housing construction.
• Lifestyle Home ProductscoreStrategic or Co-development PartnerDonated windows and doors for Fraserville home build, ensuring quality materials for the 100th homeowner family residence.
• BWX Technologies, Starbucks, Scotiabank, Nexicom, Minute Maid, Kawartha Credit UnionminorStrategic or Co-development PartnerCorporate partners supporting Habitat PKR through logo placement and community support.

Scale indicators13 records

Recent moves6 records

Expansion highlights7 records

Broad incumbents

• Habitat for Humanity Canada: National parent organization and federation of ~50 local Habitat affiliates including Habitat PKR. Operates the same affordable homeownership model, ReStore network, and volunteer-led construction methodology at national scale; directly comparable mission, funding streams, and brand.

Direct peers

• Places for People: Haliburton affordable housing partner delivering 35 units (15 rental) alongside Habitat PKR's 20 ownership units. Operates a comparable nonprofit affordable housing model focused on rental pathways for low-income households in rural Ontario.
• Habitat for Humanity PEI: Atlantic Canada Habitat affiliate also previously led by the current Habitat PKR CEO. Operates the same affordable homeownership program with volunteer builds and ReStore network in a smaller provincial market.
• Habitat for Humanity Heartland Ontario: Ontario Habitat affiliate serving Hamilton, Brantford, Haldimand and Norfolk with the same affordable homeownership, ReStore, and volunteer build approach. Directly comparable affiliate in a similar mid-sized Ontario market.
• Our Daughter's Home: Partner charity supporting women with developmental disabilities; co-developing the Sophia Street accessible duplex with Habitat PKR. Comparable mission-driven affordable/supportive housing operator with similar funding model.
• Habitat for Humanity Greater Ottawa: Ontario Habitat affiliate delivering the same affordable homeownership program with geared-to-income mortgages and volunteer builds. Directly comparable mission, programs, and operating model.
• Habitat for Humanity Toronto: Largest Canadian Habitat affiliate; operates the same geared-to-income, no-down-payment homeownership program, ReStore retail, and volunteer build model in an urban market. Highly comparable model with broader geographic scope and scale.
• Habitat for Humanity Kingston Limestone Region: Ontario Habitat affiliate previously led by CEO Susan Zambonin; operates the same homeownership program, volunteer builds, and ReStore model in the Kingston region — directly comparable operating model.

Emerging players

• March of Dimes Canada: National nonprofit providing accessible and affordable housing for people with disabilities, including supportive housing models. Operates an adjacent segment of the affordable/special-needs housing market and a potential partner for Our Daughter's Home-style projects.

Others

• Community Foundations of Canada: National network of community foundations including the Community Foundation of Greater Peterborough (Habitat PKR's High Impact Investment partner). Comparable in mobilizing pooled philanthropic capital for affordable housing and community benefit in the same service region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Habitat for Humanity Peterborough & Kawartha Region