Hamilton Community Heritage Fund Loan Program offered to owners of properties within the City of Hamilton that are designated under Parts IV or V of the Ontario Heritage Act, this program offers a 0% interest loan to a maximum of $50,000 for the restoration and conservation of designated heritage features. The loan is repayable monthly up to a maximum of 10 years or, repayable commencing 1 year after final completion of the works, in annual amounts of 10% of the loan for 4 years at the end of which the balance will be paid by a balloon payment.