Habitat for Humanity South Georgian Bay helps low-income families build and buy simple, decent quality affordable homes through a no-interest mortgage with payments set at 25 percent of their gross income. This solution not only helps to provide affordable housing for families in need, it enables low-income families to build assets, reduce their dependence on other forms of social assistance, gives children stability and helps break the cycle of poverty. We invite you to join us! more... See more text