A GUIDE TO FINDING AND

SECURING HOUSING IN PEEL

2022
 TABLE OF CONTENTS

ITEMS TO CONSIDER IN YOUR RENTAL UNIT SEARCH Page 2

HOUSING SEARCH SITES Page 4
WHERE TO ACCESS COMPUTERS/WIFI Page 6
HOUSING SEARCH TIPS Page 7
SPOTTING RENTAL SCAMS Page 7
UGENT NEED OF ACCOMODATIONS Page 8
VIEWINGS Page 9
OVERCOMING COMMON BARRIERS TO HOUSING Page 10
Poor Credit Page 11
HOW TO CHECK YOUR CREDIT RECORD Page 13
MAKING HOUSING MORE AFFORDABLE Page 14
A GUIDE TO TALKING TO LANDLORDS Page 17
SUMMARY OF RGHTS OF LANDLORD AND TENANT IN LEASE SIGNING PROCESS
Page 20
WHAT TO DO WHEN YOU SIGN A LEASE Page 21
TIPS FOR MAINTAINING YOUR HOUSING Page 22
KNOW WHAT TO DO WITH AN EVICTION NOTICE Page 24
APPENDIX Page 26
SAMPLE BUDGET page 27
BLANK BUDGET page 28
HOUSING TRACKER page 29
REFERENCE LETTER page 30

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ITEMS TO CONSIDER IN YOUR RENTAL UNIT SEARCH
The current rental market is currently extremely competitive amongst renters due to a lack of
affordability and stock. It is important for you to consider what your needs are versus your wants when
looking for a rental unit. For example, you may need parking, but want to live in a certain area, but
because you have access to a car be open to looking outside of that area in order to have a parking spot
because that need is greater then the want to reside in that specific neighbourhood.

ITEMS TO CONSIDER:

 Budget, what can you comfortably pay for rent each month? (Sample Budget in Appendix)

 Size of unit, room, studio, bachelor, etc. and is the size your seeking in alignment with your

budget

 What neighbourhood/community/city would you like to reside in?

 Who else lives there? Are you sharing a kitchen and or bathroom with the landlord? (Sharing a

kitchen or bathroom with the landlord disqualifies you from protections under the Residential

Tenancies Act, this does not mean it is not a suitable rental unit but that you should consider

how this impacts you as a tenant).

 Do you have children, if so think about access to schools, and playgrounds

 Transportation – is there access to Public Transit, is it local to your employment, do you need

parking?

 Access to laundry, is it onsite? Does it cost extra (coin operated)? If not onsite where is the

nearest laundromat and how will you access it?

 Are there working locks, who has keys to what? (Note your landlord is required to have a key,

you cannot change or install new locks without providing a copy to your landlord)

 Do the windows have locks and screens?

 Do all the appliances work? (fridge, stove, lights)?

 Is there Mold or Water Damage? Red Flag

 Are there any signs of cockroaches/mice? Red Flag

2
Discriminatory Ads:

 You will come across ads seeking tenants to be of a certain gender, race, etc., as landlords
believe it will better their chances of finding an ideal tenant, however it is not legal (unless
you would share the washroom and/or kitchen with the landlord).
 You can choose to ignore those criteria and apply anyway.
 When in contact, stick to scripts (see section on talking to landlords) provided and repeat
your good tenant narrative.

It is important to be realistic when considering what your needs and wants are and how they align with
the current rental prices.

Use the below chart to view the average rental prices in Peel

Unit Type/Size Average Monthly Rent

Room $700-$1000
Room with private washroom $950-$1100
Studio/Bachelor (Basement) $1100-$1300
Bachelor (Apartment) $1500-$1700
1 Bedroom (Basement) $1400-$1600
1 Bedroom (Apartment) $1600-$2000
2 Bedroom (Basement) $1700-$2000
2 Bedroom (Apartment) $2200-$2700
3 Bedroom (Basement)*Rare $2000-$2600
3 Bedroom Upper level of $2800+
home/apartment
*Rent prices based on web search July, 2022

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HOUSING SEARCH SITES
(Click on the below links, or copy and paste them in to a browser or type them in to the browser)

For Private Market (non-subsidized, no waitlist) Housing Searches:

Facebook Market Place https://www.facebook.com/login/?next=%2Fmarketplace%2F (You will need a

Facebook account) When using Marketplace be aware of your Facebook Privacy Settings, more
Landlords are turning to Facebook because they can learn more about prospective tenants through their
Facebook accounts when they send them a message. So be mindful of your privacy settings and what is
visible to someone you connect with via Facebook marketplace. For information on your Facebook
Privacy follow this link: https://www.facebook.com/help/193677450678703

www.kijiji.ca or the Kijiji App Setting up an https://www.gscrentals.com/

account with Kijiji will make hidden phone
https://www.rentmaps.ca
numbers visible and make it so you can send
and receive messages on Kijiji. https://mapliv.com/
www.viewit.ca https://www.247apartments.com/
www.walkscore.com https://www.homestead.ca/apartments-for-
rent
www.rentboard.ca
https://www.capreit.ca/apartments-for-rent/
www.zumper.com
https://brampton.rentershotline.ca/
www.bramptonguardian.com
https://www.rentcompass.com/
www.mississauga.com
https://www.torontorentals.com
www.gottarent.com
http://eyetfrp.ca/affordable-housing-list/ a
www.facebook.com/marketplace summarized list of apartment postings within
the GTA—these are typically gathered from
www.iroommates.com multiple advertising sites. Keep in mind the
most updated information will be on the
https://haltonrentconnect.ca/ advertising sites.

https://toronto.craigslist.org https://yourclassifiedsmobile.adperfect.com/

https://apartmentcorner.com

Non-Profit Housing (Peel Living): non-subsidized housing units which are often lower than market rates.
To search for available (vacant) Peel Living units, visit the Viewit Website. Please note, units will only
appear/be searchable when there are availabilities.

Cooperative Housing: Keep in mind that the waitlists for Cooperative Housing providers vary across
Ontario depending on the size and population of the city. https://chfcanada.coop/about-co-op-
housing/find-a-co-op/

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Region of Peel Rent Geared to Income Housing Waitlist

It is important that when on this waitlist that you keep your contact information, financial situation and
housing needs current. To update your information use the contact information below:

Phone: 905-453-1300

Email: peelaccesstohousing@peelregion.ca

Rent Geared to Income Waitlists Outside of Peel (waitlist times vary):

Below are examples of other smaller municipalities in which you could apply for Rent Geared to Income
Housing, with the goal being that the smaller municipalities are more likely to have a smaller waiting list:

 Chatham-Kent: https://www.chatham-kent.ca/health-social-services/housing-services/housing-
programs
 London: https://www.london.ca/residents/Housing/Finding-Housing/Pages/Social-Housing.aspx
 Niagara: http://www.nrh.ca/applicants/forms.shtml
 Stratford: https://www.stratfordcanada.ca/en/insidecityhall/housing.asp
 Sudbury: https://www.greatersudbury.ca/live/housing/apply-for-social-housing/
 Windsor: https://www.chrwec.com/
*Please note that there are other Regions with waitlists, they can be found online by searching “Rent
Geared to Income + Region” on google

Supportive Housing

If you are living with a mental health diagnosis and you believe that supportive housing would be the
right fit for you, you can apply to Services and Housing in the Province at the following link:

SHIP Housing: https://shipshey.ca/apply/

Long Term Care

If you believe that long term care is something that you will need, now or in the near future you can call
your Local Health Integration Network (LHIN) to be assessed for eligibility and placed on the waitlist.

Mississauga: 905-855-9090 http://healthcareathome.ca/mh/en/Contact-Us

Brampton/Caledon: 905-796-0040
http://healthcareathome.ca/centralwest/en/contact/Pages/home.aspx

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WHERE TO ACCESS COMPUTERS/WIFI:
Region of Peel Resource Centre Mississauga Region of Peel Resource Centre Brampton
7120 Hurontario St. 905-791-7800 10 Peel Centre Dr 905-791-7800

All Peel Public Libraries

Brampton https://www.bramptonlibrary.ca/ Caledon https://caledon.library.on.ca/

Mississauga https://web.mississauga.ca/library/

City of Brampton Public Wifi locations:

8 Nelson St. Flower City Community Campus Building 1,2,D

55 Queen St. E. &E
129 Glidden Rd. Flower City Senior Centre & Lawn Bowling
Recreation Centres Peel Village Golf Course
Arenas Rose Theatre Brampton
Brampton Animal Shelter Rose Theatre Garden Square - Outdoor
Brampton City Hall South Fletchers Sportsplex
Brampton Curling Club Teramoto Park
Brampton Soccer Centre Transit Terminals – Bramalea, Brampton
Chinguacousy Park - Indoor Facilities Gateway, Trinity Common and Downtown
Ebenezer Community Hall

Mississauga Public Wifi locations:

Celebration Square MiWay stations and terminals
Community Centres Museums (Benares and Bradley)
Libraries Parks and other public spaces
Living Arts Centre Small Arms Inspection Building
Meadowvale Theatre

COMMUNITY DROP IN CENTRES

These are staffed sites with access to supports, technology use, food and information. *Be aware of
operating hours before visiting

Brampton:
Regeneration 156 Main St N, Brampton (905) 796-5888 https://regenbrampton.com/service/essential-
care-program/

Mississauga:
Open Window Hub 905-615-3200 x3541 https://web.mississauga.ca/library/using-the-library/open-
window-hub/
The Compass 427 Lakeshore Rd E, Mississauga 905-274-9309
https://thecompass.ca/order-food/
Open Door Mississauga - https://opendoorsquareone.org/contact

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HOUSING SEARCH TIPS:
 Use a combination of different websites and offline strategies such as asking friends and calling
numbers posted on signs outside rental buildings, or listings posted in your local community
centre, library, place of worship, etc. for listings, visit apartment buildings and speak with the
onsite Superintendent to inquire about unit vacancies

 Filter your search based on price, number of bedrooms, length of lease, etc.

 Sign up for new listings notifications if the website offers this feature

 Try to be one of the initial applicants by searching during peak post times – 8am, 12pm and 6pm

 Search everyday, if you do this it will minimize the time you have to spend each day searching
while also ensuring you don’t miss anything. The first day may take you longer, after that initial
day depending on how many listings were posted since the previous day it may only take you
10-30 minutes to check all new listings that meet your criteria

 Keep track of the listings you have already applied to by saving them as favourites on your
website account or using a tracking sheet

SPOTTING RENTAL SCAMS

There are unfortunately many rental scams out there, so it is important to be able to spot red flags
when searching. Trust your gut, if something doesn’t feel right, or is too good to be true don’t send
money. Some Red Flags are as Follows:

They Don’t Want to Meet in Person

They want to mail you the keys
They ask for payment without signing a lease
The price is too good to be true
The ad is full of typos, poor grammar, or excessive punctuation

7
URGENT NEED OF ACCOMODATIONS
It is important to note that the below listed short term options are often more expensive than monthly
rental rates with a one year lease for a comparable unit. It is also important to note that even if you do
sign a one year lease, if you decide to or need to move you can end the lease early with 60 days notice to
the landlord.

 Sites such as Craigslist and Kijiji allow you to filter your search for short term or temporary
accommodation offered by private market landlords, these are often weekly, or monthly
agreements.

 Look in to local motels for temporary accommodation while you search, many hotels will offer a
weekly or monthly rate that is less then their nightly rate if requested.

 Consider a temporary room rental in a shared accommodation while searching for a self-
contained unit that meets your needs. Landlords renting out rooms are typically more flexible
with lease agreements then those of self-contained units, and remember it is only temporary.

 Vacation rental sites such as Air B&B offer short term accommodations if you have ok credit.

 Region of Peel Emergency Shelters are available in the event that you are actively experiencing
homelessness, please call Central intake 905-450-1996 to access Emergency Shelter in Peel

 Street Helpline: The Peel Outreach team is a responsive, mobile, multi-disciplinary team that
meets people where they are at, people who are homeless or who feel they may become
homeless 1-877-848-8481 ext. 2

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VIEWINGS
Think of viewings the same way you would a job interview. This is your opportunity to make a good
impression. The current rental market is competitive and there is a good chance that you will be
compared against other applicants. When attending a viewing or any meeting with a Landlord, you
should try to dress in clean clothing with good hygiene. Try to avoid eating smelly food or smoking
directly before your scheduled meeting and bring all the documents you may need with you.

VIEWING READY CHECKLIST

Not all of these items are mandatory, it is best although to prepare as many as possible ahead of time.

 ID

 Positive character or landlord references (pre-written letter that includes contact information,

or their names and phone numbers)

 Proof of Income (Pay stubs (OW/ODSP/CPP/Employment), Job letter, or bank statements

showing regular deposits from your income source)

 Banking details

 Credit Score (See HOW TO CHECK YOUR CREDIT)

 Ontario Standard Lease Agreement, Verification of Shelter Expenses Form or Intent to Rent

Letter

 An arrangement for first and last months rent (This could be cheque, or money order, etransfer

or cash) Do not provide any money without having seen the unit, and having signed a lease

agreement with the landlord, see being aware of scams on page **

 Notebook or clipboard with paper and pen

 Measuring tape (to plan for furniture)

 Camera (or cellphone with camera feature), to take photos of the condition of the unit upon

entering a lease agreement

9
OVERCOMING COMMON BARRIERS TO HOUSING
Landlords are business people and have three main concerns you want to address when applying for
their rental unit.

(1) receiving the monthly rent on time,

(2) condition of the property, and

(3) frequent complaints from other tenants or their neighbours.

When in any interaction with a Landlord address these concerns often and repeat why/how you are and
will be a good tenant.

Below are some topics that can create concern for potential Landlords and tips on how to address them.

OW/ODSP Discrimination:

There are unfortunately negative stereotypes that can make some landlords reluctant to rent to
individuals in receipt of social supports.

If possible, let the landlord get to know you before discussing income source. In some cases this is not
always possible as a landlord may request your source of income before scheduling a viewing. When it
does come time to discuss income, whether it is before or after the landlord has the opportunity to
meet you do not misrepresent your income, instead highlight the positives. An example would be:

“My current income source is social assistance which is a guaranteed monthly income source while I
am looking for employment. My monthly income is sufficient to cover the rent and I can have it set up
to be paid directly to you each month from the social assistance office.”

Pets:

Landlords worry a pet will damage property and cause problems with neighbours. Some people choose
not to disclose their pet ownership during the application process while others prefer to be transparent.
Highlighting your pets positive qualities and being able to provide a reference that can speak to you as
an owner and your pets behaviour, can be helpful to reassure landlords your pet will not be a problem.
Find more information here: https://stepstojustice.ca/questions/housing-law/can-landlord-reject-me-
because-i-have-pet/

Smoking:

Smoking can be a deterrent for some Landlords. Try not to smoke directly before, during or after a
viewing if you are still in view of the property. If disclosing, assure Landlords you smoke outside of the
apartment, and dispose of butts in a tin or tray; it may be good to have your reference confirm this.

Criminal History:

There is a trend of Landlords requesting record checks for applications, however you are not required to
provide this. You can attempt to politely educate the Landlord on the cost and time required to obtain
this. Further, you can direct them to the Residential Tenancies Act (RTA) which states it is not something
tenants are required or expected to provide. You do not need to ever disclose your record.

10
Poor Credit:
Both private market landlords and corporations may use a credit check to evaluate if you will responsibly
pay your monthly rent.

Things to consider:

 A credit check will lower your credit score.

 All corporate Landlords will do a credit check but not all private Landlords will do a credit check
or reference check.

 Some Landlords only do a “soft” credit check to ensure you do not owe money to other
landlords.

 Having and following a strict daily/monthly budget will influence housing sustainability. (See
appendix for Budget Template)

 It is not necessary to disclose your full credit history but if asked state only that you have
outstanding bills, but that you have always paid and will pay your rent.

 Landlords expect that you may need to pay up to 65% of your total income on rent. More then
that and they will have affordability concerns.

Some Tips for Addressing Credit Problems in Your Housing search:

 Your budget needs to make sense. Your monthly expenses cannot exceed your monthly income.
For budgeting template see the appendix.

 Provide proof of all sources of income, including Child Tax Benefit

 Offer to have the Rent Paid Direct to Landlord through your social income support, postdated
cheques, or pre-authorized payments.

 Rent from an Owner, not a Property Management Company or Real Estate Agent.

 Ensure you have a plan to pay last months’ rent deposit

 Obtain a copy of your credit report so you know exactly what your credit problems are:
Transunion.ca or Equifax.com

 Make a copy of your credit score to provide with applications to reduce the number of landlords
who run checks on your credit

 Provide a brief explanation of why your credit is poor. i.e.) relationship breakdown or job loss.
But assure landlords that you will pay rent.

11
  Provide a list of references to vouch for your credibility as a person, such as a boss or
community leader, or minister. Try to provide a landlord reference if possible.
 Ask trusted friends or family members if they can assist you by co-signing the lease

 Consider sharing a unit where you would not be on the lease.

 When talking to landlords be careful not to disclose too much personal information. You only
need to share enough to provide insight to the landlord as to why you will be a great tenant

 Seek credit counselling support to help you improve your credit from the credit counselling
society https://nomoredebts.org/ 1-888-527-8999

 Be willing to accept a lesser place than you might otherwise. Think of it as temporary, as after
you establish a track record of paying your rent on time your landlord should give you a good
reference when you move to a nicer placer.

 Be application ready! Have a completed application, last month rent, ID, references, Co-signer (if
applicable) and your presentation may influence them to overlook credit requirements due to
your level of organization and overall preparedness.

Remember:

 You will get many “NO’s” before you get a “Yes”

 Expect to apply to up to 10 rental units before you get approved You will have to look at more
places than the average renter

 Try to clean up your credit as soon as possible. Start rebuilding your credit and have any old
information removed from your credit file.

 Be cautious around your credit when applying. Your credit score can continue to lower when
credit checks are completed and the person is denied.

 You may end up needing a Co-Signer if you one available to you

 Be polite, on time and appropriately dressed. You only get one chance to make a good first
impression

 If you have a worker or advocate “they may be helpful in supporting” by way of confirming pay
direct or providing reference as an advocate

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HOW TO CHECK YOU CREDIT RECORD
Consumers can check their credit record on their own at no cost. You can get a copy of your credit record
from Canada’s two main agencies: Equifax or Trans Union of Canada. You can also check your score on
Credit Karma or through some online banking services.

Mail Requests will need: Copies of Two pieces of ID with Signature visible D.O.B, SIN #, Phone contact
and former address information going back 5 years

EQUIFAX CANADA

Call 1-800-465-7166 or for other inquiries 1-877-277-8800

OR Send a mail request to:
EQUIFAX CANADA
P.O Box 190
Jean-Talon Station
Montreal, Quebec
H1S 272
Visit www.equifax.com to download credit history request.

TRANS UNION OF CANADA INC

Call: 1-800-663-9980 or 1-905-525-0262

CREDIT KARMA

www.creditkarma.com

ONLINE BANKING SERVICES

Inquire with your bank if they offer free soft credit checks.

13
MAKING HOUSING MORE AFFORDABLE
The cost of housing has been increasing making it increasingly more difficult to find affordable housing
and waitlists for rent-geared to income units are long which is why it is important to explore all your
affordability options in order to secure housing in the interim.

Speak to your OW/ODSP worker about all the funds that are available to you and their criteria.

It is also important to recognize when you may need to adjust or compromise on your needs/wants list
in order to find a rental unit that fits your budget.

REDUCING YOUR RENTAL COSTS:

Location: Apartments close to bus terminals, school districts, city centres, mall, ect., tend to be in higher
demand leading to higher rent prices. If its possible for you to rent in more residential or remote areas,
you will find lower rent costs.

Amenities: Be flexible with your “must-haves” lists. Apartments with laundry, parking spaces, new
appliances, etc., tend to be priced higher than those that do not. This also includes newly renovated or
newly built apartments.

Private vs Corporate: Large corporate apartment buildings tend to price themselves on the higher end
of the range. Some private landlords can be open to negotiations and more flexible with a rental
agreement if they find a tenant who makes a good impression.

Living with Others: Roommates or living with your landlord can also decrease the total cost of your rent.
However, there are many factors to consider when determining if this is the right choice for you.

Living with the landlord: Living within a landlord’s home can be cheaper than rooms in a fully
rented out home or apartment, however it is important to know that this is a high risk scenario.
In Ontario, people who live in a home that’s only accessible functioning kitchen is shared with
their landlord are not covered by the Residential Tenant Act. This means that the laws that
regulate landlords and tenants do not apply. Some people have very successful arrangements
this way, but it is important to weigh the risks.

Living with roommates: There are pros and cons to living with roommates. There are two
different situations to consider when living with roommates, moving in with a group of people
you know, or renting a room in a house with other tenants who are not known to you. Both of
these situations decrease your rental expenses.

It is important to note if you enter a lease agreement with someone else (i.e. both names on the
rental agreement) both or all parties are responsible for the full rental amount this means that if
your roommate does not pay rent, you are both held accountable under the Residential Tenant
Act for the non payment. If you sign a lease for a room and it is only your name on the rental
agreement, other person’s decisions to pay or not to pay the rent will not impact you.

If you are going to share a lease agreement with another person it is important that you have
discussed finances, sharing of household chores, if you will share, or purchase your own
groceries, internet and cable etc.

14
 If you are renting a room with other tenants, inquire with the landlord ahead of time if there is
designated storage for food, locks on bedroom doors, how cable and internet is handled
(included in the lease and shared amongst tenants or if each person is responsible for their
own), if there are communal dishes or if everyone has their own, etc.)

Living with others is different in every rental unit. Some units everyone is quiet and keeps to
themselves, others are more social and provide a sense of community, and support for one
another. It is important that you get a sense of the environment when you attend a showing and
determine if it is the right environment for you.

REDUCING YOUR OTHER EXPENSES

General:

Tools and Tips for saving money on food, clothing and some cash back offers
https://www.savvynewcanadians.com/best-cashback-coupon-flyer-apps-canada/

Utilities:

There are programs and services which can assist with your electricity bill. To learn more please click the
below link https://alectrautilities.com/payment-assistance

The Ontario Electricity Support Program (OESP) will reduce the cost of your household electricity by
applying a monthly credit directly to your bill. For more information:
https://ontarioelectricitysupport.ca/FAQ

If you are on Ontario Works or ODSP, your caseworker can complete this application for you.

Low-income Energy Assistance Program (LEAP) One time assistance if you are behind on your Alectra
bill

For Mississauga Alectra customers call Dixie Bloor Neighbourhood Centre to apply: 905-629-1873

For Brampton Alectra Customers – Housing Support Worker from the Region of Peel can complete the
application with you 905-453-1300

Payment Plans

Alectra offers flexible payment arrangements and Arrears Management Programs (AMP) that allow
eligible customers to pay their outstanding electricity bill arrears in instalments

Equal Payment Plan - annual charges are split into equal monthly payments, followed by an account
reconciliation payment/credit in the 12th month. This can make budgeting easier for customers who
experience higher bills at certain times of the year due to electric heating or air conditioning.

Phone Plan: Shop around, look for deals. Plans are a lot cheaper when you also are not paying off a
newer phone https://www.planhub.ca/ontario#/

15
Transportation:

Bus: Apply for a reduced monthly bus pass: https://peelregion.ca/help/discounted-bus-

pass/?utm_source=c2pjun2022&utm_medium=email&utm_campaign=bus-pass-discount

Car: shop around insurance companies and compare prices, also think about where you live i.e
car insurance is higher in Brampton then in Mississauga and Mississauga is higher then Caledon.
Check out this article for tips to lower your auto insurance: https://www.iii.org/article/nine-
ways-to-lower-your-auto-insurance-costs
This website will help you compare rates: https://www.ratehub.ca/insurance
You can also use this app to help you find deals on gas https://www.gasbuddy.com/

Accessible transportation

Trans help https://www.peelregion.ca/transhelp/apply/#qualify

Accessible Transit in Mississauga https://www.mississauga.ca/miway-transit/travelling-with-

us/accessible-services/

Groceries:

Access your local food bank to supplement your groceries. The food bank is great for getting pantry
staples, and some carry frozen meat and fresh produce. Scheduling weekly or biweekly pick ups will help
lower your grocery bill. To find a local food bank search here:
https://www.themississaugafoodbank.org/need-food/

Seniors can also apply for Meals on Wheels hot food program by calling 905-821-3254

Medications:

Ontario Drug Benefit (ODB) information: https://www.ontario.ca/page/get-coverage-prescription-drugs

If you are covered by the ODB program and need help paying for a medication that is not found in the
search tool, it may be covered through the Exceptional Access Program (EAP).
https://www.ontario.ca/page/applying-exceptional-access-program

Get help with high prescription drug costs - Trillium Drug Program. https://www.ontario.ca/page/get-
help-high-prescription-drug-costs

16
A GUIDE FOR TALKING TO LANDLORDS (In Person and on Phone)
Put Your Best Foot Forward When contacting a potential Landlord or attending a viewing, it’s important
to be polite and professional. During any interaction, including calls, that means using your best
‘customer service’ voice, remaining on topic and appearing organized.

Preparing to Call a Prospective Landlord:

 Read the ad in full, landlord do not like to repeat information they have provided but you can
confirm with them the details from the ad
 Call from a quiet place, you want to be sure you will be heard, and can hear them without
distraction.
 Have a pen and paper ready for taking notes and use the Housing Tracker, see appendix.
 Create a list of questions you want to ask based on the ad
 Keep it short and sweet. Your only goal right now is to get this person on the phone and then to
a face-to-face viewing. They are less likely to say no on the phone, it is even less likely to say no
to your face.
 Be prepared for an answering machine and practice by preparing a script using the examples
below.
 Know the date you can move and amount of rent you can pay.
 Write down the name of the person you talked to, their phone number, and the date you called
in case you need to ask more questions or schedule/reschedule an appointment
 Make note of all the landlords you have contacted to help you remember when you have
scheduled a rental unit tour/viewing, which apartments you have applied for, and who you need
to follow up with.

SAMPLE SCRIPTS

Responding to an ad or Listing:

“Hello, my name is ______________, and I saw your advertisement for a (describe apartment or
unit)________________, in the (where you saw the ad, e.g. kijiji)_____________________. I was
wondering if I could speak with you to get some details, and set up an appointment to meet with you to
view the unit.

If you reach an answering machine:

“Hello, my name is ______________, and I am interested in your rental and would like to discuss it
further. I can be reached at (phone number and best time)_________. “Thank you and hope to hear
from you soon”

Calling a Property Management Company/Building Superintendent:

“Hello, my name is ___________, I’m looking for a (1,2,3) bedroom apartment for (when-this month,
next month, two months from now)_________. Do you have any available units? If the company does
not have any units ___ “Do you have any other properties with a vacancy?” or “Are you keeping a wait
list?” “If so should I put my name of the list?” “Give a brief description of yourself/Tell me about
yourself”

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Describe yourself/provide a brief description:

In some cases, ads will ask you to describe yourself, you could add 1-2 sentences that highlight your
strengths or characteristics that make you a good tenant into your script.

Some positive qualities to share are:

Clean Positive references

Quiet Student

Responsible Volunteer Work

Get along well with others (in shared spaces) Employment

Example Scripts:

“I am a quiet single person seeking a rental near my volunteer commitments”

“We are a family of four who takes pride in our home seeking accommodations near our children’s
school.”

Confirming the Viewing:

If the Landlord seems receptive when you call, ask to arrange a time to meet to see the unit. Confirm
when and where to meet, and who should ask for. Be sure to thank them before hanging up.

Responding to Awkward Questions:

The Landlord may ask you about your credit and rental history, and even your criminal history. What
information you share is up to you. Generally it’s best to be truthful (without giving too many details)
and to take responsibility for past mistakes. It’s best NOT to focus on the past, but to emphasize how
things are different and why (think of your strengths). If a question feels intrusive or inappropriate, think
about why the landlord is asking it and respond in a way that speaks to that concern instead of
responding aggressively or not at all.

Landlord: “Are you on Welfare?”/ “Do you work”

Potential Renter: “At this time I am looking for work and am receiving [OW/ODSP/EI]. This is a
guaranteed income while I conduct my search and I have the funds to pay the monthly rent. [If on OW
or ODS] I can arrange to have my rent sent directly to you from the [OW/ODSP] office If this is your
preference.”

Potential Renter: “I can provide you with proof of my monthly income as well as a reference from my
previous landlord to speak to my responsibility as a tenant.”

Landlord: “What is your credit?”

Potential Renter where credit is unknown: “I am unsure of my exact score but would be willing to
obtain it for the purposes of application.”

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Potential Renter with no credit score: “At this time I have not built up a credit history, and have not
established a credit score. This just means I have not borrowed any money. I prioritize my rent and will
make my payments to you monthly.

Potential Renter with no credit score and a guarantor/co-signer: “At this time I have not built up a
credit score but my [friend/family member/etc.] who has a credit score is willing to support my
application by co-signing.

Potential renter with a low credit rating (below 580): “My credit score is [insert credit score] this has
been the result of [insert reason, don’t be too specific but provide a brief explanation, i.e. due to debts
accrued during my separation/divorce], I prioritize my monthly rent and can provide references from my
previous landlords that will speak to this.

Be Prepared to Explain Why You are Looking for Housing:

This is a common question, be positive in your response, even if you don’t feel as though your reason for
looking is positive, try and find the positive in it.

Some positive reasons to share are:

 Relocating to be closer to  Change in family status (e.g. separation

family/work/school/volunteer growing family)
commitments  Current landlord is moving into the
 Wanting to downsize to save money rental or has family moving into the
 Wanting to be in a neighbourhood with rental
more amenities or activities

Avoid stating your move is for the following reasons:

 Concerns or Complaints about your  Concerns or Complaints about your

current landlord current unit
 Avoid mentioning eviction

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SUMMARY OF RGHTS OF LANDLORD AND TENANT IN LEASE SIGNING
PROCESS
Items a Landlord CAN ask for:

 A deposit for last month’s rent when
you apply for a unit (this is common
practice with corporations, less so with
private owners, be wary of scams
requesting deposits in advance of
seeing the unit, or signing a lease)
 A deposit for first month’s rent by the
first day of the lease - or lease signing
day
 Proof of income or the ability to pay
 A credit check
 References from past Landlords – see
template on page

What the Landlord CAN’T ask you for:

 Damage deposits  Post-Dated cheques (although you may

choose to provide these for your own
convenience)
What you SHOULD ask the Landlord:

 Receipts for any money you give the  For a copy of the lease or any other
Landlord or Superintendent papers you sign
 To sign a lease or written rental
agreement

What you SHOULD’T ask the Landlord:

 Do you accept people on Social  Do you rent to single parents or people

Assistance (OW or ODSP)? under 18 years of age?
 Do you rent to people who have been in
jail (or have a criminal record)?

Important Notes:

In all units where the tenant’s rights are protected under the Residential Tenancies Act (all units where
the tenant does NOT share a washroom and or kitchen with the landlord) the Ontario Standard Lease
Agreement is the default agreement. A landlord cannot make an agreement with a tenant that
contradicts the Ontario Standard Lease Agreement or the Residential Tenancies Act. If an alternative
agreement is signed the landlord and tenant are still bound by the Ontario Standard Lease Agreement
and the Residential Tenancies Act. Therefore as a tenant it is okay to sign a verification of shelter
expenses form, or intent to rent letter and you will still have the same protections in these cases.

If a tenant shares a kitchen or bathroom with the landlord there are no protections under the
Residential Tenancies Act.

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WHAT TO DO WHEN YOU SIGN A LEASE
 Review the lease before signing to confirm the details are what you agreed to, including rent
amount, payment method, date of move-in, landlord contact info, etc.
 Provide first and last month rent, if receiving support with first and last month rent from OW,
ODSP or a Housing Support Worker the lease will be needed for them to issue the funds, these
funds will be sent directly to the landlord upon receipt of the lease by the worker.
 If required in the lease agreement, obtain tenant insurance, shop around for the best rates. This
company accepts payments through OW and ODSP
https://hscorp.ca/services/insurance/tenant-insurance/
 If required in the lease (for individual apartments, or whole houses) transfer the
hydro/gas/water in to your name, instructions on how to do this found here
https://energyrates.ca/ontario/set-utility-service-move-ontario/
 You can also apply for support with your electricity bill here:
https://ontarioelectricitysupport.ca/FAQ
 Plan your moving day in advance. You will need a plan on how to move your belongings;
consider hiring a moving company, booking a U-Haul or arranging help from reliable
friends/family. There are funds available through OW/ODSP to assist with the cost of these
arrangements.
 Upon arrival, you should consider taking photos of the apartment to have record of the initial
condition in case there are any future disputes of damages.
 Take measures to prevent pests. A bedbug protective mattress cover and outlet covers will
assist with bedbug prevention. Maintaining the cleanliness of your kitchen will decrease risk of
roaches. Inspect any used furniture for pests before bringing it in your apartment. Lastly, do
your best to comply with your landlord’s preventative treatments and inspections.
 As a renter in Ontario, it is important to Know your rights inform yourself with information from
the Residential Tenancies Act

https://tribunalsontario.ca/ltb/renting-in-ontario/

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TIPS FOR MAINTAINING YOUR HOUSING

 The Landlord and Tenant Relationship:

The relationship with your landlord should always be professional. Many people feel obligated to be
friendly towards their landlords which can lead to oversharing personal details and conflating feelings of
friendship. It is best to be polite but professional with your landlord to prevent conflict that can
jeopardize your housing. During a conflict or disagreement, remain calm and objective as you can when
discussing an issue with your landlord.

 Keep the unit clean and free of damages

As a tenant you are responsible for reasonable upkeep of the place you are living. General cleanliness
will minimize wear and tear on appliances, prevent pests, and avoid conflicts with roommates/landlord.
Additionally, if you choose to look for housing elsewhere your landlord may be asked to comment on
how the unit was kept during your tenancy and a good reference will go along way.

Some tips for maintaining cleanliness:

 Wipe down counters and surfaces  Complete laundry regularly (on average
regularly once a week)
 Store food in airtight containers, off the  Clean floors and behind appliances
ground and in the fridge (fridge, toaster, stove, etc.) regularly

If you are a senior or an individual with a disability and have difficulty with housekeeping you can reach
out to LINKS 2 Care for on going cleaning assistance. There is a fee for this service that is geared to
income. https://www.links2care.ca/program/care-at-home/light-housekeeping/

 Pay rent in full and on time.

Disputes regarding rent payment can lead to evictions. Prioritize your rent payment over your other
financial obligations. If you have any concerns about remembering to send rent payment, set up
automatic payments through your bank or OW/ODSP. It is also wise to keep records of all rent payment
with receipts or transfer confirmations.

 Managing your guests

You are responsible for guests’ behaviors while they are on property. Landlords could apply to the LTB
to hold you accountable for damages done by someone you are associated with, even if you did not
invite them at the time of the damages. Ensure that the people who know where you live are
responsible and reliable people who would not jeopardize your housing. Conflicts, domestic incidences
and engaging in illegal activities can lead to your tenancy being terminated.

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  Be a good neighbour

Treat others how you would like to be treated, remember that everyone is trying to enjoy their home
and not everyone is going to enjoy their home in the same way as you. Keep noise and smells contained
in your unit as they can disrupt others. If a neighbour approaches you about a concern, try to hear them
out and think about how you can compromise in a way that addresses their concern. Similarly, if it is a
neighbour that is disrupting you, if you feel safe to do so, try talking to them first but be open to what
they have to say and possible solutions. If you do not feel safe approaching them speak with your
landlord.

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KNOW WHAT TO DO WITH AN EVICTION NOTICE
An eviction notice from your landlord does NOT mean that you need to vacate your unit immediately.
When you receive an N notice it is important for you to continue to pay your monthly rent as doing so
will support your case should you decide to fight the eviction at the Landlord and Tenant tribunal.

Under the Residential Tenancies Act (RTA), there are specific reasons why a landlord (LL) can begin an
eviction process. They are as follows:

N4: Notice to End Tenancy Early for Non-Payment of Rent

N5: Notice to End Tenancy for interfering with Others, Damage or Overcrowding

N6: Notice to End Tenancy for Illegal Acts or Misrepresenting income in a Rent-Geared-to-Income
Rental Unit

N7: Notice to End your Tenancy for Causing Serious Problems in a the Rental Unit or Residential
Complex

N8: Notice to End your Tenancy at the End of the Term

N12: Notice to End your Tenancy Because the Landlord, a Purchaser or a Family Member Requires the
Rental Unit

N13: Notice to End you Tenancy Because the Landlord Wants to Demolish the Rental Unit, Repair it or
Convert it to Another Use

Sometimes tenancies can be saved, and you can continue to be housed in your current place.

It is important for you to inform yourself and not to make any immediate decisions or take immediate
actions upon receiving a notice. Please see below information regarding common notices and where to
find more information.

If you have Rent Arrears, your landlord will provide you with an N4, this form gives you 14 days to make
the payment at which time the notice becomes null and void, and your housing is stabilized. To avoid
receiving an N4 first and foremost, pay your rent in full and on time. In the event that something
happens and you are unable to do so, make a plan to pay your rent and discuss the timeframe with your
landlord. It is important that you follow through on this plan. If you need support to make a plan you can
connect with your OW/ODSP worker, I you do not have an OW or ODSP worker you would connect with
your Housing Support Worker, and if you need to be assigned one you would apply here:
https://www.peelregion.ca/housing/help/ or by calling 905-453-1300.

If your Landlord has stated that there is Problematic Behaviour, with an N5, this is a warning to change
the unwanted behaviour. This is an opportunity for you to discuss with your Landlord which behaviours
you are willing to change in order to save your tenancy. It is also a chance to improve your Landlord
relationship to sustain and maintain your tenancy.

In the event that you have received any N form from your landlord it can be beneficial to seek out legal
advice. You can start with the following website https://stepstojustice.ca/ to find out more about your
rights.

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You can also reach out to the following free Legal Clinics in Peel:

Mississauga Community Legal Services North Peel and Dufferin Community Legal
130 Dundas St. E, Suite 504 Services
Mississauga, ON L5A 3V8 24 Queen St. E., Suite 700
Phone: 905-896-2050 Brampton, ON L6V 1A3
Phone: 905-455-0160

You can also reach out to:

Centre for Equality Rights in Accommodation

129 Spadina Ave Suite 427
Toronto, ON M5T 2C2
Phone: 416-944-0087
Email: cera@equalityrights.org

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APPENDIX

26
SAMPLE BUDGET

27
BLANK BUDGET

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HOUSING SEARCH TRACKER

Address Price Source Contact Info Viewed Notes

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REFERENCE LETTER TEMPLATE
[date]
[landlord names]
[business name]
[street address]

To whom it may concern,

RE: [tenant names and address of rental property]

This reference letter is to confirm that [tenant names and their children if relevant] have been tenants
at the above property from [date of tenancy]. The rental property is a [2-bedroom apartment].

Their last rent payment was $[rental amount], which was paid on time on [date of payment]. During
their tenancy, they have been responsible and timely in their rent payments which were due
[monthly/fortnightly/weekly].

There have been no complaints from neighbours, and the tenant have kept the property and its
surrounding area clean and tidy. [We will refund their rental bond within 14 days of their moving out
date].

I can confirm that the tenants were respectful, friendly, and helpful. They made no unreasonable
demands or complaints during their tenancy.

[Their pet dog has also been quiet and well behaved with no complaints from neighbours].

We have never served [tenant name] a Notice to Remedy or any other legal notice during their tenancy.
They informed us in advance of the reason for their move. However, if they had chosen to stay or
return, we will gladly rent out our property to them again.

You are welcome to contact me on [phone number] and I will happily answer any other questions you
may have.

Yours sincerely,

[signature]
[landlord’s name]

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