What is the Rent Bank?

The Rent Bank expands homelessness prevention in Fort Erie to aid low income households by assisting with rent arrears and first and/or last month’s rent as a 0%, no penalty loan.  As eligibility is based on a declination for Ontario Work’s (OW) emergency assistance through Housing Stability Fund (HSF) and income below the Low Income Measure (LIM), many households previously excluded from rental assistance will be stabilized.  Assistance will be for no more than 2 months of arrears or first and last month’s rent  and applicants may reapply after 12 months & repayment of loan.

FAQ's

How do I know if Rent Bank is for me?
Do you owe back rent to your landlord? Are you having trouble getting together first and last rent? Then Rent Bank may be for you.

How can I qualify for assistance?
If you currently received social assistance then you must first contact your worker to determine if you are eligible for the Government Housing Support Program.  If you do not qualify for that program you can then call our Community and Family Services Worker to book an appointment to determine your eligibility for the Rent Bank.

If the Rent Bank is a loan, am I required to pay back the money?
Yes, As this is a loan you would be required to pay back the money to The Salvation Army

How do I pay back the money if I don’t have any?
Our Community and Family Services Worker will work with you to determine what amount can fit into your monthly budget.  Part of your eligibility for the program is being able to fit a repayment schedule into your current budget.


How much will I be required to pay each month?
Every case is different so our Community and Family Services Worker will work with you to determine a monthly repayment schedule based on your individual loan.

Ontario Works denied me assistance because I have a job, will I qualify for your program?
Our Community and Family Services worker will meet with you to go over your situation.    Every situation is different and our Worker will do their best to determine your eligibility.  

I’ve already used the Housing Support Program this year but I need to move.  Will I qualify for your program?
Our Community and Family Services worker will meet with you to go over your situation.    Every situation is different and our Worker will do their best to determine your eligibility.  

I don’t live in the Fort Erie Area, would I still be able to apply?
Unfortunately the Rent Bank is currently only available to Fort Erie Residents or those moving to Fort Erie.

How do I book an appointment?
Call The Salvation Army 905-871-1592 extension 24 and our Community and Family Services Worker will be more than happy to help you book an appointment.

Eligibility criteria are listed below:

  • The applicant must have applied for and been declined for assistance through the Ontario Works’ Housing Stability Fund.
  • Receipt of financial assistance should allow the applicant to maintain or acquire housing, in order to promote the sustainability of the applicant’s living situation.
  • When applicable, the applicant must have demonstrated a prior attempt to pay rent.  The landlord, as appropriate, can be contacted for information about the applicant’s payment history if necessary.  Future sustainability of the applicant’s housing situation should be considered in addition to past payment history.
  • The applicant must be in threat of eviction or be unable to secure a required deposit of first &/or last month’s rent to begin renting a sustainable home.
  • The applicant must be named on the lease or a signed intent to rent declaration in regard to the address for which they are seeking relief.
  • The applicant must not have an outstanding loan for previous access of Rent Bank funds and must not have utilized Rent Bank funds in the previous 12 months.  These requirements will play largely in consideration of future sustainability.
  • The applicant must have an after tax household income at or less than the thresholds set out in Statistics Canada Low-Income Measure, taking into account household size (see below).
  • The applicant’s rent must be below 70% of total income for singles and below 80% for families
  • Applicants seeking assistance with first and/or last month’s rent must be moving to a location where the cost of rent will result in a significant savings.
  • If an applicant does not meet the income threshold or the screening guidelines set above, The Salvation Army may exercise discretion in exceptional circumstances and approve the applicant. In such cases, The Salvation Army should have a documented rationale.  However, please note that the criteria that the applicant must be named on the lease or a signed intent to rent declaration in regard to the address for which they are seeking relief is a mandatory requirement and must be met.