Provincial Home Repair Program (PHRP)

PLEASE NOTE: As of June 15, 2026, this program is no longer accepting new applications as we begin implementing the changes announced in Budget 2026. If you have an emergency situation that threatens your ability to remain in your home, your application will still be considered for approval during this transition phase. We will begin accepting applications for the updated program in Fall 2026. Please check back at that time for more details.

Click Here for Applications

Program Description

Through Newfoundland and Labrador Housing Corporation (NLHC), PHRP is designed to provide funding to:

assist homeowners with low incomes who require renovations to their homes to complete structural and related repairs, with improvements in basic heating, electrical and plumbing services;
for applicants who require accessibility changes, please apply under the Home Modification Program (HMP).

Who is eligible?

Homeowners with low income (an annual household income of $42,500 or less; $65,000 in Labrador) requiring repairs to their dwellings.
Except in the case of emergency PHRP, the client must have owned and occupied the property for a minimum of five (5) years.
There is a lifetime assistance cap of $12,500.
An application for a second project can be submitted after seven (7) years have passed.

What types of repairs are eligible?

Repairs necessary to maintain a dwelling for continuous safe occupancy. This may include:

heating, electrical or plumbing systems;
deteriorated structures, foundations, windows, doors, roofing or siding.

Forgivable/Repayable Loan Funding

NLHC provides funding to eligible homeowners in the form of forgivable and repayable loans. Funding is limited to the costs associated with repairs. Forgivable loan funding is available for homeowners up to a maximum of $5,000 [$6,500 in Labrador]. Repairs exceeding these levels may be addressed under a repayable loan of up to $12,500 [$15,500 in Labrador]. Forgivable loans are earned by maintaining ownership and occupancy of the dwelling for five years.

Client Selection/Delivery Process

Priority will be given to first time applicants.
Emergencies are also treated as a priority.

Applications

To apply online, or print an application for your region, see below:

Avalon Apply Online	Avalon PDF
Corner Brook Apply Online	Corner Brook PDF
Gander Apply Online	Gander PDF
Goose Bay Apply Online	Goose Bay PDF
Grand Falls Apply Online	Grand Falls PDF
Marystown Apply Online	Marystown PDF
Stephenville Apply Online	Stephenville PDF