Keeping People Housed
Keeping People Housed offers an interest-free loan to families and individuals on the Sunshine Coast who meet the eligibility requirements during a temporary and unexpected financial crisis.
Keeping People Housed is a loan program to help members of the community with unexpected and temporary crises for rental arrears or essential utilities and re-payment is made monthly through your bank account. The program is made possible in part from Sunshine Coast Credit Union, the Co-Operators and Sunshine Coast Community Services.
The loans, $1,300 maximum for a single person and $1,800 for families can be used for:
- rental arrears/pastdue
- utility arrears/past due
- security deposits
A pre-assessment is required to determine eligibility to proceed with an application package. To apply for the loan, documentation required includes proof of income, proof of I.D., proof of residency and a bank account. Please see complete eligibility and necessary document information below.
- 19 years of age
- resident of the Sunshine Coast
- less than two months of rental and/or essential utility arrears
- have a current bank account or be receiving income assistance/PWD/PPMB and consent to direct debit
- Have a regular source of verifiable income
- are not living in BC Housing or transitional housing
- financial crisis is temporary and unexpected
- are unable to access any other forms of financial assistance
- have one piece of government ID with photo
- explain how the loan will stabilize housing situation
- don't have any outstanding loans with the Keep People Housed program
- are not in the process of bankruptcy
- able to provide proof of income, proof of tenancy and three months of up-to-date bank records
- have income less than low-income cut-off
Applicants should expect to answer questions about their finanical, housing and income situations.
- Most recent pay stubs (preferably four but a minimum of two) or letter from employers
- Child tax benefit document or statement
- Old age security or pension statements
- Documentation regarding child support payments
- Documents regarding Working Family Supplement Expenses
- Bank statements for the last three months
- Copies of bills (Hydro, Fortis)
- Canadian issued photo identification card (license, passport)
- Eviction notice (if applicable)
- Voided check or automatic withdrawal slip
- Proof of residency:
- Lease/tenancy agreement
- Rent receipts (minimum of two from the last six months)
- Rental Payment Ledger (provided by landlord)
- Rental Agreement
What Can the Loans Be Used For?
- Rental arrears/past due rent
- Utility Arrears
- Security/Damage Deposits
What if someone lives in subsidized housing?
If someone live in BC Housing, Keeping People Housed is not able to make them a loan for rental arrears. We can contact their landlord to setup a payment plan. If you live in other subsidized housing, we may be able to make a loan; however, the first step is always to attempt a payment plan with the landlord.
Is there a maximum amount someone can request?
Yes. The maximum a single person may request is $1,300. The maximum a family may request is $1,800.
How are the funds provided?
If someone is approved for a loan, the funds are provided in cheque form to the creditor (landlord, BC Hydro, Fortis, etc).
How long does the process take?
We try to respond as soon as possible and have the process completed applications within 10 business days.
What can someone expect from the interview?
The interview process is very in-depth. We will ask detailed questions about past, current and future spending; budgeting; and past, current and future income streams. The process can seem invasive; however, the goal is to determine if the applicant meets the program criteria. We welcome friends, family members and support persons at the interview.
How does someone pay back the loan?
- The maximum repayment term is two years
- This is an interest free loan
- Loan repayment amounts:
- A loan of $500 will require a monthly payment of approximately $22/month*
- A loan of $1000 will require a monthly repayment of approximately $43/month*
- A loan of $1300 will require a monthly repayment of approximately $55/month*
- Monthly payments are automatically withdrawn from your bank account
How and when can someone connect with the Andrea Hobbs, Keeping People Housed program coordinator?
Andrea can be reached by email (firstname.lastname@example.org) and available for appointments on Wednesdays. She will also be holding drop-in sessions every Wednesday from 1pm - 3pm at 5638 Inlet Avenue for people that have questions or in need of help filling out their paperwork.
For those seeking resources and support, walk-ins are welcome from 1pm - 3pm at our Inlet office (5638 Inlet Ave., Sechelt).
1pm - 3pm
5638 Inlet Ave., Sechelt