Having Trouble Paying Your Housing Charge?

Posted April 15, 2017
If you are having trouble paying your housing charge due to a short term crisis, you may be able to get help to pay the money you owe and keep your housing.

The City of Toronto and community agencies across the city operate a number of programs designed to help tenants threatened with eviction.

Don’t delay. If you owe money for rent, get assistance as soon as possible – don’t wait until the rental arrears have grown too large. And see the co-op management, consider downsizing, as well as try these resources.

Toronto Rent Bank
For interest-free repayable loan and rental deposit loans. You may be eligible for assistance if

  • you currently do not receive over 50% of household income through OW/ODSP (social assistance)
  • you meet the income requirements
  • you are paying market rent (not subsidized)
  • and some other rules. Ask!

There are also other funds available that you can find out about through Neighbourhood Information Post. Contact NIP (near Parliament Library), 269 Gerrard Street East 416-924-2543
Hours: Monday, Tuesday, Thursday, Friday: 9:30 a.m. – 4:30 p.m.
Wednesday: 1:00 p.m. – 4:30 p.m.
Saturday & Sunday: Closed

For more information, see this flyer.


For more information on Share the Warmth or the Winter Warmth Fund, contact your nearest Rent Bank Access Centre, Neighbourhood Information Post, 416-924-2543.

To find out about the Emergency Energy Fund, call: (416) 338-3332.

Social Service Funds
There are a variety of funds available to help you meet needs, like winter clothing, children’s back-to-school needs, dental and vision care, special diets approved by a health profiessional, assistance with “up-front” child care costs, employment and training start-up costs, and some travel / transportation costs.

You should ask your OW or ODSP case-worker about these benefits and funds. You can also contact your local community legal clinic for information. Legal clinics can be found in the telephone book or Yellow Pages under “Legal Aid”.

December 6 Fund
The YWCA December 6 Fund provides interest-free loans to women fleeing abuse. They help women establish themselves in safety.

Contact Dela Aziavor, Support Worker
416.961.8101 x398

Pay Direct
If you receive ODSB and find managing money a challenge, you can ask your worker about Pay Direct. This means that your housing charge would be paid to Woodsworth before you receive your payment.

Direct payments may be made to:
• Public or private landlord;
• Utility company; and/or
• Trust account pending the resolution of a landlord and tenant dispute.

Thank you to the pamphlet from Centre for Equality Rights in Accommodation (November 2010).

For more community resources, see our list of Neighbourhood Resources and the S4S Resources page.

Here is a printable copy of this page.

arrears resources for funding

Neighbourhood Resources

411 is the EMERGENCY NUMBER for fire, ambulance and police.

311 City of Toronto Non-Emergency Telephone Number
Use the 311 telephone number for non-emergency City services and information.

211 is the phone number for social services in Toronto including child care, community legal services, home support, low-income housing, employment, community services and programs, etc. Telephone 211 or search online.

Transportation – Neighbourhood buses and streetcars
(Updated November 8, 2018)

Bus 75 Northbound (Sherbourne) to Sherbourne subway station. There is a stop in front of the co-op, south side of the Esplanade.

121 Westbound The westbound route (for Union Station, Fort York and CityPlace) stops on the north side of the Esplanade at George St. South (in front of Church in the City). The eastbound stops opposite Woodsworth’s main door on the Esplanade and goes to the Distillery District Frequency:  every 15 minutes or better, all day every day.

The 504 King streetcar operates between Dundas West and Broadview. The closest stop is at Jarvis and King.

6 Northbound Bus to Bay Station (Yorkville) from Lower Jarvis and Queen’s Quay (west side in front of Loblaws).

St. Lawrence Neighbourhood resources and associations:

Church in the City
152 the Esplanade

Community Folk Art Council of Toronto 
Promotes the preservation, development and advancement of the cultural and artistic heritage of the people of Toronto.

Creative Aging Circle
Discover your creative spark through music, art, drama, song, dance, creative writing, movement, expressive arts, poetry and more! Free arts-based workshops for seniors. Call Shawne in our co-op or email creativeagingcircle@gmail.com

a not-for-profit organization which plans arts-based, community-engaged projects and events on Crombie Park.

JVS Toronto – non-profit career and employment services for jobseekers and employers. 184 Front Streer East, suite 203 (east of Sherbourne). Includes services for people with disabilities, newcomers and youth.

Ontario Early Years Centres  Satellite branch at 173A Front Street East, near St. Lawrence Library. Drop-in and resource centre for babies and young children with caregivers.

Old Town Toronto – directory, events, etc.

Parenting and Family Literacy Centres at Market Lane PS

St. Lawrence Community Recreation Centre, 230 the Esplanade. Swimming pool and recreational programs for all ages.

St. Lawrence Library,Toronto Public Library, 171 Front Street East.

St. Lawrence Market – south market is open from Tuesday – Saturday. The farmers’ market is open Saturdays only. Antiques market on Sundays.

St. Lawrence Market BIA – business improvement association.

St. Lawrence Neighbourhood Assocation (SLNA)

Schools, daycares, colleges:

Market Lane Public School Toronto District School Board, JK – grade 8

St. Michael Catholic School – Toronto Catholic District School Board – JK – grade 8

Downtown Alternative Primary School – Toronto District School Board – JK – grade 6

St. Lawrence Co-operative Day Care – infant / toddler, preschool, and school-age daycare (before and after school)

Jarvis Collegiate Institute,  495 Jarvis St.

Rosedale Heights School of the Arts, 711 Bloor Street E (near Parliament)

Central Technical School, 725 Bathurst St.

Catholic secondary schools
St. Joseph’s College School – girls, 74 Wellesley Street W (closest)

George Brown College – Full-time, part-time and continuing education

Ryerson University

Health Services:

George Brown College Health Sciences has a community program WAVE that offers dental, hearing tests, fitness programs  and other health services. They are located just south of Woodsworth at Sherbourne and the lake.

St. Lawrence Health Centre A family practice unit of St. Michael’s Hospital. 140 the Esplanade, Unit 3 Toronto, Ontario M5A 4P5, Canada 416-864-6000

Resources for people with disabilities and seniors

Dixon Hall Not-for-profit organization that is inclusive and responsive to the needs of seniors and adults living with disabilities or illness by providing programs and services to promote healthy and independent living.

VHA Home HealthCare – a service providing extreme cleaning and a volunteer support hoarding program. Free for eligible people living in Toronto. Call 416-489-2500 ext. 4192   You can purchase Extreme Cleaning for help with one-time heavy-duty cleaning. Funding may be available for this service. City of Toronto criteria for funding: People who are vulnerable, low income tenants under threat of eviction due to the unsanitary condition of their home.
More resources available on the S4S (Strategies for Staying) pages of this website

The Bulletin News about St. Lawrence Neighbourhood and downtown Toronto.

Elections Wards and Electoral Districts

Elections Canada (Federal government)
Spadina – Fort York

Elections Ontario (Provincial government)
Spadina – Fort York (101)

City of Toronto – Census info
As of September 23, 2018, we are in Ward 10, Spadina – Fort York.

Boards of Education:
For public and Catholic boards of education, we are in ward 9 – made up of wards 9 and 10.
For both French boards, we are in ward 3.

Last edited on 2018-11-08