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Pick where you live. You will see what is available there, plus everything province-wide and Canada-wide that applies to you.

2 offers

New Brunswick Direct-to-Tenant Rent Benefit

New Brunswick Department of Social Development

A monthly rent supplement paid directly to an eligible tenant rather than to a landlord, for low-income households in private-market housing.

The catch: Paid to the tenant, which sounds better than it is: the money is income for budgeting purposes and the tenancy is still the tenant's problem if the landlord raises the rent. Eligibility is assessed on household income against local market rent, so the same income qualifies in one part of the province and not another.

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Seniors Property Tax Deferral Program (this is a loan)

Alberta Seniors, Community and Social Services

Marketed as letting a senior homeowner "voluntarily defer all or part of their residential property taxes." It is in this catalog as an anti-entry, so that the next research pass stops rediscovering it as free money: verbatim from the same page, "This is done through a low-interest home equity loan with the Government of Alberta."

The catch: It is debt secured against your house. Verbatim: "The current interest rate is 4.45%. It is reviewed, and may be adjusted, every 6 months in April and October"; the program "will register a caveat against your land title certificate to secure the loan you receive"; and you must "have a minimum of 25% equity in your home to allow the government to secure the loan." The word deferral does not trip the loan reflex the way the word loan does, which is exactly why this row exists - and it is aimed at the audience least able to absorb the surprise.

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