Emergency Rent Support for Black Canadians in Ontario
Facing eviction or housing instability? BHOT provides direct rent assistance paid to your landlord — fast, dignified, and free.
Stabilize First. Build After.
The BHOT Rent Bank provides emergency housing assistance to Black Canadian renters facing immediate housing instability. We intervene before a crisis becomes a catastrophe.
What the Rent Bank Covers
Rent Arrears Support
For renters who have fallen behind on rent and are at risk of eviction.
First & Last Month’s Rent
For renters who need help securing stable housing when moving into a new unit.
Bridge Support
For renters experiencing a temporary income gap who need short-term coverage.
What BHOT Does NOT Cover
Utilities, damage deposits unrelated to rent, moving costs, or any non-rental expenses are outside the scope of the Rent Bank.
Loan & Grant Structure
Rent Bank support is provided as a combination of repayable loans and non-repayable grants, based on individual circumstances and assessed need. Repayable loans are structured with a 0% interest rate and flexible repayment terms tied to income recovery.
Important Policy — Funds Are Never Paid Directly to Members
BHOT never pays Rent Bank funds directly to members — ever. All rental payments are made directly to the verified landlord or property manager. This protects both the member and the integrity of the program.
Application Process
Submit your application online or in person with proof of identity and housing situation.
BHOT reviews your application and verifies your housing need and identity within 3–5 business days.
BHOT contacts and verifies your landlord or property manager.
A support decision is issued: loan, grant, or combined.
BHOT issues payment directly to your landlord.
If a loan component applies, a repayment plan is established based on your income.
Who Is Eligible
To access the BHOT Rent Bank, applicants must meet all of the following criteria:
Self-identify as Black, of African descent, or Afro-Caribbean
Be a current renter in Ontario
Be facing documented housing instability or arrears
Not be currently enrolled in another active rent bank program for the same need
Ready to apply?
Contact us to begin your Rent Bank application.