Habitat for Humanity Halton-Mississauga

1800 Appleby Line, Unit 10
Burlington, ON L7L 6A1
CEO: John Gerrard
Board Chair: Julian Aziz

Charitable Reg. #:86607 2432 RR0001


Ci's Star Rating is calculated based on the following independent metrics:

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Most recent Audited financial statements available on the charity’s website.



Grade based on the charity's public reporting of the work it does and the results it achieves.



The demonstrated impact per dollar Ci calculates from available program information.


Charity's cash and investments (funding reserves) relative to how much it spends on programs in most recent year.



For a dollar donated, after overhead costs of fundraising and admin/management (excluding surplus) 32 cents are available for programs.

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About Habitat for Humanity Halton-Mississauga:

Founded in 1999, Habitat For Humanity Halton-Mississauga (HFHH) is one of Habitat for Humanity Canada’s 57 local affiliates. Habitat for Humanity Canada (HFHC) offers safe and affordable housing for poor families living in unstable, overcrowded, unsafe, or substandard housing conditions. Habitat Builds is the charity’s keystone home ownership program – through this program, HFHH offers no-interest, no-profit home mortgages to families in need. The charity caps mortgages at 30% of total family income. In return for a Habitat home, partner families must complete 500 volunteer hours of ‘sweat equity’ with Habitat For Humanity – the charity treats the volunteer hours as the down payment for the Habitat home.

Habitat For Humanity Halton reports building 15 homes in 2016, thus helping 15 families purchase safe and affordable housing. The charity reports helping 72 families since inception in 1999 through Habitat Builds. HFHH has six current housing projects: the de Jong Lane Build project in Burlington for 13 families; the Crew-Goetz Landing Build project for 18 families in Burlington; the John T. McCallum Build project in Mississauga for one family; the Malton Build project for four families; the Bett-Knowlton Build project for four autistic men and their care workers in Acton; and the Exchange Hotel Build project for five families in Georgetown.

In 2015, Habitat For Humanity Canada’s Habitat Builds program underwent an impact assessment by Boston Consulting Group (BCG). BCG determined HFHC’s home-ownership program produces $4 in social benefits for every $1 donated. Each Habitat house generates an average of $175k in total benefits for the family living in it. Based on the 221 homes built by HFHC in 2014, building activities produced $39 million in total ‘social good’ in Canada. BCG also reports that partner families reduced their food bank usage by 60% over a six year period, compared with a 40% reduction by control families; 22% of children attained a bachelor degree over a six year period, compared with 8% of children in the control group; and 50% of partner families are more physically active over a six-year period, compared with the national average of a 15% increase.

ReStore is Habitat For Humanity’s retail store that accepts donations of overstocked, used discontinued items and salvageable building materials donated from manufacturers, stores, local contractors and the public. ReStore then sells the donated items to the public at a reduced cost. The charity reports that ReStore profits completely cover administrative and fundraising costs, so that all donations can go directly towards building homes. HFHH has three ReStore locations, located in Burlington, Milton and Mississauga.

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Habitat for Humanity Halton is a small-cap charity with total cash donations of $606k in F2015. When including goods in kind, F2015 donations increase to $996k. Administrative costs are 8% of revenues and fundraising costs are 60% of cash donations. Per dollar donated to the charity, $0.32 goes towards its programs, which does not fall within Ci’s reasonable range for overhead spending. When including goods in kind donations, fundraising costs drop to 36% of donations and cents to the cause increases to $0.55.  HHFH’s interest-bearing liabilities exceed liquid assets, indicating a funding need.

This charity report is an update that is currently being reviewed by Habitat for Humanity Halton. Comments and edits may be forthcoming.

Updated on June 15, 2017 by Katie Khodawandi.

Financial Review

Financial Ratios

Fiscal year ending December
Administrative costs as % of revenues 8.4%6.7%4.0%
Fundraising costs as % of donations 59.8%154.5%42.8%
Program cost coverage (%) (117.4%)(43.5%)7.0%

Summary Financial Statements

All figures in $s
Donations 606,023241,663436,498
Goods in kind 390,194485,764495,019
Fees for service 100,89366,39477,721
Business activities (net) 1,390,242697,324665,993
Investment income 6,3636,694177
Total revenues 2,493,7151,497,8391,675,408
Program costs 1,100,6051,059,722730,337
Administrative costs 208,034100,21267,541
Fundraising costs 362,295373,458187,010
Other costs 14,1918,7028,566
Cash flow from operations 808,590(44,255)681,954
Funding reserves (1,291,975)(460,652)51,433

Note: Ci adjusted for deferred donations and grants to report on a cash basis, affecting revenues by ($31k) in F2015, ($45k) in F2014 and $283k in F2013. Changes in deferred donations relating to donations in kind of capital assets are included in donated goods in kind. Ci adjusted for changes in deferred donations included in property held for resale in donated goods in kind, affecting revenues by $376k in F2105, $399k in F2014 and $276k in F2013. Ci reported repayment of mortgage receivables in fees for services, increasing revenues by $101k in F2015, $66k in F2104 and $78k in F2013. Ci reported rental income net of direct expenses in business activities, decreasing revenues and expenses by $3k in F2015 and $4k in F2014 (the charity reported no rental costs in F2013). ReStore revenues are also reported net of direct expenses in business activities. Ci reported unrealized gains/losses in investment income, affecting revenues by $632 in F2015 and $77 in F2014.

Salary Information

Full-time staff: 51

Avg. Compensation $33,030

Top 10 staff salary range

$350k +
$300k - $350k
$250k - $300k
$200k - $250k
$160k - $200k
$120k - $160k
$80k - $120k
$40k - $80k
< $40k

Information from most recent CRA Charities Directorate filings for F2016

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Comments & Contact

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Charity Contact

Website: www.habitathalton.ca
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