Oxford County My Second Unit (Secondary Dwelling Forgivable Loan)
An Oxford County program offering homeowners an interest-free, forgivable loan of up to $15,000 to help plan and finance a secondary, self-contained dwelling unit in their home (e.g. a basement or accessory apartment), expanding the rental supply.
What you get
Up to $15,000
Who it's for
Oxford County homeowners (including in Ingersoll) creating a qualifying secondary/additional self-contained dwelling unit.
This takes you to the official website
What to have ready
Documents they may ask for
- Government ID for everyone in your household, if available
- A copy of your lease or rent agreement
- Recent rent receipt, ledger, or proof of what you owe
- Recent pay stubs, benefit statement, or income proof
- ODSP, Ontario Works, CPP, OAS, or other benefit statement if you have one
- Recent bank statement, if the program asks for it
What to say when you call
“Hi, I found your housing support program and I want to check if I can apply. Can you tell me the current rules, documents needed, and the next step?”
Use the official page first, then call 211 if you are not sure where to start.
Can I get this?
You have a good chance if this sounds like you:
- Oxford County homeowners (including in Ingersoll) creating a qualifying secondary/additional self-contained dwelling unit
- Detailed eligibility (affordability conditions, occupancy/forgiveness terms) is set by the County and assessed on application
What to do next
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The fine print
More details about the money
Interest-free, forgivable loan of up to $15,000 per secondary dwelling unit.
Amounts and eligibility change. Confirm the current figure with the program administrator through the official link before you rely on it.
The full eligibility rules
Oxford County homeowners (including in Ingersoll) creating a qualifying secondary/additional self-contained dwelling unit. Detailed eligibility (affordability conditions, occupancy/forgiveness terms) is set by the County and assessed on application.
Good to know
Confirmed directly on the Oxford County Shelter & Housing page: 'My Second Unit helps homeowners plan and finance a secondary, self-contained dwelling unit in their home with an interest-free, forgivable loan of up to $15,000.' Confidence upgraded to high (the $15,000 figure was read on the official page). Detailed forgiveness/affordability conditions are not published and should be confirmed with Human Services. Useful for landlords/owners adding rental supply.
Official sources we checked
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