The Housing Accelerator Fund (HAF) is a once in a generation opportunity to build Thunder Bay for the future! 

The City of Thunder Bay has been awarded up to $20.7 million from the Government of Canada through the HAF to fast-track the development of over 600 new housing units over the next three years, to reach a total of 1,691 new permitted homes by February 2027.


Grant applications available now:

Coming Soon!

More funding programs outside of the Core Areas, including for the development of basement suites and backyard homes.

HAF Action Plan initiatives

  1. Multi-Unit & Affordable Housing Incentive
  2. Encouraging Additional Dwelling Units
  3. Affordable Housing Navigator
  4. Vacant Commercial Development
  5. Core Areas CIP Grants for Residential Infill
  6. Secondary Planning in Support of Housing Strategy
  7. Vacant Industrial Land Assessment & Conversion Program
  8. Developing an Archaeological Management Plan

Program goals

  1. To support affordable housing, multi-unit housing, and "missing middle" housing.
  2. To encourage intensification on existing municipal servicing - this supports the City of Thunder Bay's strategic goals:
    • Support urban density through complete, compact, and walkable development
    • Take decisive action to respond to the climate emergency
    • Plan and deliver cost-effective services

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About the HAF

The Canada Mortgage and Housing Corporation administers HAF which provides incentive funding for local governments aimed at increasing the supply of housing. It supports the development of complete, low-carbon and climate-resilient communities that are affordable, inclusive, equitable and diverse.


How do I qualify for the HAF?

The following types of housing could qualify for financial incentives:

  • Additional homes in detached houses and duplexes
  • Backyard homes
  • Residential multi unit buildings
  • Homes above downtown commercial buildings
  • Affordable housing developments


The following types of housing WILL NOT qualify for financial incentives:

  • Detached homes
  • Shared accommodations and rooming houses
  • Nursing home and assisted living units
What is a Community Improvement Plan (CIP)? 

A CIP is a tool used to focus municipal initiatives in areas of need of development and/or redevelopment. Adopting a CIP empowers the City to offer grants to cover all or part of the cost of eligible development projects. The City of Thunder Bay currently has a Strategic Core Areas CIP.

What is the missing middle?
“Missing middle housing” refers to housing types that fall somewhere in between a single-detached home and mid-rise apartment buildings – such as townhomes, duplexes, triplexes, and four plexes. This type of housing is our greatest need.
What are Additional Dwelling Units (ADUs)? 
ADUs are homes that are located in or on the same property as the main home. This could include additional homes in a single detatched house or backyard homes. When reviewing the Zoning by-law and other relevant documentation, it is important to know that the City has adopted the term “home” which is used interchangeably with “unit”. 
How can the community get involved? 

The community will have opportunities to provide input on the development of various incentives including CIPs. The creation of new CIPs and modification of existing CIPs are public planning processes which require a Public Meeting before City Council makes a decision. Once started, notification will be placed in the local newspaper and on the City’s website.

How can I find land to develop? 
At City Council’s direction, Administration has identified 40 City-owned parcels of land as suitable to be made available for the primary purpose of housing. These lands will be presented to Council in a series of reports and, as approved, will then be marketed as lands currently available for sale. 
What is the role of the Mayor’s Task Force on Building More Homes?

The Mayor’s Task Force on Building More Homes is an Advisory Committee of Council that includes citizen representatives with expertise in housing and related initiatives.

The role of the Mayor’s Task Force is to guide the implementation of the City’s Housing Pledge and Housing Accelerator Action Plans and recommend additional strategies and actions to accelerate the development of a range of housing types and affordability levels to meet the City’s housing needs.

Is there a timeframe to spend the incentive money? 
The City of Thunder Bay’s agreement is a multi-year agreement for the above eight HAF initiatives spanning 2024 -2027. Each initiative may have individual milestone dates to be achieved.
How is the city spending the funding?
The City of Thunder Bay has eight HAF initiatives. Each initiative has a number of milestones and allocation of funds to achieve realization of the milestones. They are listed above.
Will this funding help housing affordability challenges? 

Yes, there is direct funding for affordable housing. Also funding that can be leveraged to attain funding for affordable housing from sources beyond HAF. Generally, added housing supply affects affordability across the housing continuum.

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