Invest in a Community-Owned
Kensington Market!

We are raising up to $2 million in community bonds to acquire a second property in or near Kensington Market for long-term community benefit.

You can support us by purchasing a community bond or donating to our organization. Let’s ensure that Kensington Market continues to be an inclusive, vibrant, and affordable place for generations to come.

The Challenge

Over the last 10+ years, Kensington Market has experienced rapid neighbourhood change that has threatened the unique character of the market. Development pressures, renovictions, and the financialization of real estate has resulted in the loss of affordable housing and spaces in the Market. At the same time, new businesses are catering to higher socioeconomic groups, and illegal short-term rentals in the neighbourhood are on the rise. As a local organization, we have witnessed long-term residential and commercial tenants being displaced due to rent increases, resulting in the loss of local businesses and the fragmentation of our community. These pressures are set against the backdrop of a growing unaffordability crisis in our city, and we must act urgently to protect the affordable and eclectic nature of Kensington Market. 

The Opportunity

KMCLT is issuing community bonds to finance the acquisition of a second property! A community bond is an interest-bearing loan that a non-profit, charity, or co-operative can issue to support a project they are undertaking. Individuals and organizations can purchase a community bond and earn a fixed interest rate, and their investments support projects that generate positive social, cultural, or environmental returns. Rather than relying on a traditional mortgage, we are leveraging community bonds to expand on our values in mutual aid and community ownership and provide the opportunity for community members and supporters to directly invest in the acquisition of our next property.

We are seeking to purchase either a residential or mixed-use (residential with commercial) property in or near Kensington Market. Our goal is to acquire a building with at least 6 residential units, with the goal of preserving existing affordable housing sites. Since the real estate market changes quickly, we have not yet selected a specific property to purchase. Instead, we are creating an acquisition fund by the fall of 2024 that will allow us to purchase our next building. The acquisition will be financed through a mixture of community bonds, donations, and government grants.

By purchasing a bond, you can help advance the vision of a community-owned Market, and keep the wealth within our local community.

Investment Options

Help Kensington thrive by investing in one of our three community bond options! These bonds were developed with input from community, and are intended to appeal to all types of investors, especially our closest supporters.
 Series A: 2.5% interest, 3 year term, $500 minimum. Series B: 3.5% interest, 5 year term, $5000 minimum. Series C: 4.5% interest, 7 year term, $25000 minimum.

Kensington Community Bond Details:

  • KMCLT’s goal is to raise up to $2 million in investments through this Community Bond Campaign, with a minimum goal of $1 million.  
  • Interest is fixed and will be paid to investors annually.
  • All bond funds will be directed into an escrow account with our lawyer, Iler Campbell LLP. Upon acquisition of a suitable property, bond funds will be released from the escrow account and forwarded to the seller’s lawyer.
  • Bond funds held in escrow will receive between 1.5% to 2% interest, and once released from escrow, will earn the full interest rate for the series as per the investment terms.
  • For those that are keen to help further, there will be an opportunity to donate interest earned each year back to KMCLT.
  • Once bonds mature, investors can choose to redeem their principal, reinvest in new bonds that may be available, or donate their principal to our organization.
  • Community bonds will be available for purchase beginning March 2024.
  • For more information, please view our business plan, offering statement, and supporting financial documents.

Need more information? Hear from our community members!

Listen to members from the Kensington Market community talk about why they’re invested in our work and our community bond campaign. 

Our Track Record

As a local, community-led organization, our impact goes beyond just securing land. We make notable achievements to protect and enhance the unique neighbourhood character in Kensington Market. By investing in KMCLT, you assist our organization in meeting the following goals: 

Project Team

Zack Bradley
Development Manager
Zack has worked for KMCLT since 2023 and is a strong advocate for affordable housing. He previously worked as a Development Manager with Streetcar Developments, a Toronto-based real estate development firm, and, prior to that, was a Planning Assistant with the Toronto Transit Commission (TTC). Zack has a Masters of Planning in Urban Development from Toronto Metropolitan University and a Bachelor of Journalism from Carleton University.

Angela Ho
Community Investment Manager
Angela joined KMCLT in 2023, and brings experience in communications and engagement. Prior to moving to Toronto, she worked with the Planning unit at the University of British Columbia, and was also involved as a member of the Vancouver Chinatown community.  She is currently completing her Masters of Science in Planning at the University of Toronto.
Tapestry Community Capital
Tapestry Community Capital supports non-profits, co-ops and charities in raising and managing community bonds. Since 1998, the Tapestry team has supported projects from renewable energy to co-working to housing, in successful community financing campaigns, helping to raise and manage $100 million from over 4,000 investors.

Frequently Asked Questions

For further inquiries, please reach out to

Land AcknowledgementWe, as members of the Kensington Market Community Land Trust, are aware that we are a settler organization. Kensington Market sits in the traditional territory of many nations, including the Mississaugas of the Credit (an Anishnaabe people), the Haudenosaunee Confederacy, the Wendat and Petun Nations, land which is now home to many First Nations, Inuit and Métis.

This land is covered by the Dish With One Spoon wampum belt covenant, an agreement by the Six Nations of the Haudenosaunee to share resources equally and peaceably. It is also covered by Treaty 13 with the Mississaugas of the Credit. As a settler organization concerned with land ownership, we acknowledge that we have broken the treaties. Our work for the well-being of this land must include accountability to our relatives.

More Community Groups
Friends of Kensington Market
Kensington Market Historical Society
Kensington Market BIA
Kensington Market Action Committee

Our Contact

Mailing Address:
103 Bellevue Avenue,
Toronto, ON, Canada