Homeowners and communities

Our Response to the COVID19 pandemic

Dear Homeowners, Dear Families:

We are liaising individually with those who have lost income due to the mandatory closure of non-essential services and businesses.  As we asked you to do at your First Family Training, please do not hesitate – call your community officers to discuss your circumstances and let us together work out how to handle your monthly mortgage payments. Don’t forget to check with your bank for their arrangements to accommodate your transactions, and be sure to carefully follow the recommendations and directions of the authorities to stay safe and at home if you are not an essential service worker.

Habitat Trinidad and Tobago is very aware of the importance of our construction efforts to your lives, our family partners.  Nonetheless, we must also do our part as responsible citizens to abide by the decisions made by the government to manage the current evolving crisis. This is why we paused all activities on our construction sites during the period March 30, 2020 – May 31, 2020, to support the efforts to curtail the spread of COVID-19.

Yes, this means that it will take longer to complete your projects. Therefore, now that we are allowed to operate under strict sanitation guidelines, we are treating all on-going builds as high priority jobs so that we can complete them as soon as humanly possible.  Please send any questions you may have to homeowners@habitat-tt.org and know that we are all in this together. The situation is still fluid, but we promise to share more of our plans with you as soon as we can. And do reach out to our team if you have any questions, comments, suggestions or requests for resources.

Thank you for being a part of the Habitat Trinidad and Tobago Family, and supporting our critically important work to build a country where everyone has an affordable place to live. We are in this together – Board, management, staff, homeowners, donors and supporters – as we come together as a family, and a country to weather this storm together.


Stay Safe

Stay At Home

Isolate and Quarantine




Habitat works in partnership with families in your community to build and/or repair decent and affordable homes. Donors offer materials and financial support, volunteers provide free labour and families pay an affordable, no-profit mortgage.

To review our application form, please send an email to homepartners@habitat-tt.org or download from HERE.

Please call our office at 674-5977 / 225-8375 / 225-8403 or email homeowners@habitat-tt.org for guidance on our application process and to make appointments to visit the office.  We will not be able to accommodate walk-in visits for the foreseeable future.


Let us see how we can start you and your family on the road to safety, strength and stability!

Habitat houses follow three guiding principles:


Simple - Habitat houses are modestly-sized - large enough for your family's needs but small enough to keep construction and maintenance costs down.


Decent - Habitat uses quality building materials. Trained staff supervise house construction and educate volunteers and homeowners.


Affordable - Our volunteers' and partner families' labour, efficient building methods, modest house sizes and no-profit, no-interest loans make owning your home a reality.

To qualify as a home partner with Habitat, your family must:
  • Own land, or have permission to build from a landlord.
  • Have a total household income of $1,000 - $8,000 TT per month (USD 166-1,333).
  • Contribute 300 hours of “sweat equity” towards the building of their house and other Habitat community projects. This means each family contributes labour to the construction of their own home (the sweat equity requirement can be waived in the case of differently-abled persons).
  • Be able to make monthly mortgage payments on a no-profit loan tailored for your family. At Habitat, projects can be partially funded by donations or grants, but homeowners are proud to pay for the bulk of their homes or repairs with these no-profit mortgages.
All Habitat Trinidad-Tobago houses are built according to plans pre-approved by the Town and Country Planning Division. New houses - either concrete block, wood or pre-engineered steel frames - are complete with electricity, running water, indoor plumbing and bathrooms.
  • A one-bedroom Habitat house measures 21' x 21'
  • A two-bedroom Habitat house measures 21' x 27' or 24' x 24'
  • A three-bedroom Habitat house measures 21' x 31' 4" or 24' x 32'
Whether it's a roof repair, completion of a construction you've already started or improvement of your home, Habitat can help you to make your home healthier and safer. Even if you do not own land, we can still help you:
  • Repair or replace your roof
  • Add a bathroom or sanitation block
  • Complete a home that is currently under construction
  • Provide materials-only, if you can complete your own construction
For further information or to find out if your family qualifies for assistance from Habitat Trinidad-Tobago, please call our Community Development Department at 675-1222 or email us at homeowners@habitat-tt.org.
If you have a deed to the land for the building site, earn between $1000 and $8000 per monthly and are willing to contribute 300 hours of work on your house and another Habitat project, then call our office at 675-1222 / 225-8375 / 225-8403 or email homeowners@habitat-tt.org for guidance on our application process. You can also download an application at Homeowner Application Form We can provide a range of shelter solutions, depending on how your personal circumstances match our qualifying criteria. Habitat provides microloans, materials and technical assistance for repairs and renovations on homes (you supply the labour); this offers an alternative to a full house for persons who do not have land.
The following documents are to be submitted with your homeowner application form (available for download here at Homeowner Application Form (.Doc format here):
  • Property Deed or Rental Agreement
  • Land Tax Receipt
  • Legal Authorization Letter from Landlord
  • Utility Receipts – WASA, TSTT, T&TEC
  • Birth Certificates of all family members
  • Job Letter / Evidence of income (pay slip etc.) or sworn Affidavit from self-employed applicants
  • Guarantor’s Letter & Job Letter
  • Identification Card of all household members
  • Estimate – for Renovation and Completion Only
  • Collateral – Household Items, Car, Insurance Policies
  • Cadastral Sheet
All potential Homeowners are required to pay a non-refundable processing fee of $100 upon submission of their application. This does not include the title search fee, which is required for the execution of approved mortages. Please note, this payment is only for the application process; it does not guarantee approval of your application. For further information or assistance, please call our Community Development Department at 675-1222 or 225-8375 or email us at homeowners@habitat-tt.org .

Through shelter, we empower Trinbagonians families. ¡Join us!