Closed
Source verified July 23, 2026
Ministerial Loan Guarantee Terms and Conditions
Guarantees housing loans on eligible First Nation lands
Funding available
Varies by project
Deadline
Closed
Location
Canada
Overview
The Ministerial Loan Guarantee supports First Nations, individual Indians, and Band councils seeking financing for housing on defined lands. It helps secure loans for the construction, acquisition, or renovation of housing on reserve and other defined lands.
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At a glance
Funding available
Financing goals
- Improve governance or administrative structure
- Implement environmental initiatives
- Strengthen organizational capacity
Eligible Funding
- Varies by project
Funds Providers
Eligible candidates
Eligible Industries
- All industries
Location
- Canada
Legal structures
- Non-financial cooperative
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- Indigenous Peoples
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- Construction of housing
- Acquisition of housing
- Renovation of housing
Documents Needed
- Band Council Resolution or an authorizing document from a Council of a Band under self-government legislation
- Written certification that the loan, if granted, will provide housing or housing improvements for Indians on lands as defined
- Environmental site assessment carried out in accordance with CSA Standard Z768-94 confirming no evidence of contamination that may pose an identifiable risk
- Consent to expend Band revenues or transfer other acceptable security to reimburse the Consolidated Revenue Fund, and a waiver of section 89 of the Indian Act if applicable
- For individual loans, written confirmation of the individual's reputation and financial responsibility and written consent to transfer possession or vacate the property on default
Official resources
Eligibility
Who is eligible?
- First Nations
- Individual Indians
- Groups of Indians
- Councils of a Band and Tribal Councils
- Authorized Band Housing Authorities, Band Housing Corporations, including Band Corporations under the Naskapi and the Cree-Naskapi Commission Act, corporations without share capital, and cooperative associations where all members are Indians
Eligible expenses
- Reasonable construction, acquisition, or renovation costs for housing projects on eligible lands
Ineligible Costs and Activities
- New furniture and new appliances for renovations.
- Projects on fee simple lands.
- Housing projects on designated lands.
Eligible geographic areas
- Lands reserved for the Indians under class 24 of section 91 of the Constitution Act, 1867
- Designated Indian settlements where groups of Indians normally reside and the federal Crown holds title or has the right to use and occupy the land
- Category 1A or Category 1A-N lands under the Naskapi and the Cree-Naskapi Commission Act
- Other lands within the legislative authority of Parliament under class 24 of section 91 of the Constitution Act, 1867
Selection criteria
- Past record in managing housing projects and guarantees.
- Compliance with housing and capital reporting requirements.
- Project compliance with environmental review requirements.
- Eligibility of the land and control of the site.
- Financial responsibility and prudent lending practices.
How to apply
- Step 1: Prepare the application
- Complete the guarantee application form.
- Gather the required supporting documents.
- Step 2: Submit the file
- Send the complete application package to the regional office.
- Use the appropriate housing service channel for submission.
- Step 3: Regional review
- The regional office reviews eligibility and the submitted documents.
- Missing documents may be requested before approval.
- Step 4: Agreement and approval
- If approved, the lender signs the guarantee agreement.
- The ministry issues the approval and guarantee certificate.
Processing and Agreement
- The lender must notify the Minister of default within 90 days and every 30 days thereafter while the default continues.
- If the loan remains in default for 120 days, the lender must submit a claim for payment on the prescribed form with supporting documentation.
- The Minister may review the file for compliance with the Guarantee Agreement and prudent lending practices and may reduce accrued interest or other reasonable costs if those practices were not followed.
- The Minister shall pay the lender within 60 days of receiving the claim, or within any longer agreed period, less any reduction under lender performance review.
- After payment, the lender assigns its rights to the Minister, and the Minister recovers paid amounts through repayment agreements or other security; for individual loans, the Minister may apply Section 24 of the Indian Act and transfer possession rights to the Council of the Band.
Additional information
- The program is currently administered by Services aux Autochtones Canada.
Frequently Asked Questions about the Ministerial Loan Guarantee Terms and Conditions Program
What is the Ministerial Loan Guarantee Terms and Conditions?
The Ministerial Loan Guarantee supports First Nations, individual Indians, and Band councils seeking financing for housing on defined lands. It helps secure loans for the construction, acquisition, or renovation of housing on reserve and other defined lands.
Who is eligible for the Ministerial Loan Guarantee Terms and Conditions program?
To be eligible for the Ministerial Loan Guarantee Terms and Conditions program, you must:
Housing construction, acquisition, or renovation on lands as defined
Band Council certification, consent, and an environmental site assessment are required
Individual loans also require confirmation of the individual's reputation and financial responsibility
What expenses are eligible under Ministerial Loan Guarantee Terms and Conditions?
Construction of housing
Acquisition of housing
Renovation of housing
Who can I contact for more information about the Ministerial Loan Guarantee Terms and Conditions?
You can contact Indigenous Services Canada (ISC).
Where is the Ministerial Loan Guarantee Terms and Conditions available?
The Ministerial Loan Guarantee Terms and Conditions program is available across Canada.
Is the Ministerial Loan Guarantee Terms and Conditions a grant, loan, or tax credit?
Ministerial Loan Guarantee Terms and Conditions is a Loans and Capital investments
Who are the financial supporters of the Ministerial Loan Guarantee Terms and Conditions?
Ministerial Loan Guarantee Terms and Conditions is funded by Indigenous Services Canada (ISC)