Closed
Ministerial Loan Guarantee Terms and Conditions
Guarantees housing loans for on-reserve projects
Last Update: April 27, 2026
Funding available
Varies by project
Timeline
- Receipt of requests is now closed
Location
Canada
Overview
Supports housing loans for construction, acquisition, or renovation on eligible lands. The maximum guarantee amount is $2.2 billion, and projects may include individual or First Nation housing.
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Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Improve governance or administrative structure
- Implement environmental initiatives
- Strengthen organizational capacity
Eligible Funding
- Varies by project
Timeline
- Receipt of requests is now closed
Eligible candidates
Eligible Industries
- Construction
- Real estate and rental and leasing
Location
- Canada
Legal structures
- All legal structures
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 equivalent authorization document
- Project description form and site plan
- Lender letter of intent or loan agreement
- Environmental site assessment, if required
- Property valuation and matrimonial property documents, if applicable
Official resources
Eligibility
Who is eligible?
- First Nations
- Individual Indians
- Band councils
- Tribal councils
- Band housing authorities and housing corporations
Eligible expenses
- Costs related to housing construction, acquisition, or renovation.
- Reasonable pre-construction advances for eligible housing projects.
Ineligible Costs and Activities
- New furniture and new appliances for renovations.
- Projects on fee simple lands.
- Housing projects on designated lands.
Eligible geographic areas
- Canada
- First Nation reserve lands
- Designated Indian settlements
- Eligible lands under self-government or land claim agreements
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 regional office reviews the application and supporting documents.
- Environmental and land checks are completed before approval.
- If approved, the guarantee agreement is signed by the lender and the ministry.
- The ministry sends approval documents and the guarantee certificate to both parties.
- After approval, the lender submits required follow-up reports.
Additional information
- Applications are reviewed and approved by the regional office.
- Only one loan guarantee is allowed per project.
- The program is available throughout the year.
Frequently Asked Questions about the Ministerial Loan Guarantee Terms and Conditions Program
What is the Ministerial Loan Guarantee Terms and Conditions?
Supports housing loans for construction, acquisition, or renovation on eligible lands. The maximum guarantee amount is $2.2 billion, and projects may include individual or First Nation housing.
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, purchase, or renovation
Located on eligible lands
Band Council approval required
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)