To participate in our rent-to-own program, you need:

• - A stable income (employed or self-employed)

• -A credit score that can be improved over time

• -Savings for an initial deposit of 4-5% of the home’s value

• - A commitment to responsible financial planning

Yes, you need an initial option consideration of 4-5% of the home price. This amount is credited toward your final purchase.

Yes! If you have a stable job and the ability to save for a down payment, we can help you work toward homeownership, even if you don’t have an extensive credit history in Canada.

Yes! Many participants have credit challenges, including low scores or past bankruptcies. We provide a structured plan to improve your credit so that you can qualify for a mortgage at the end of the program.

Most rent-to-own agreements last between 2 to 4 years, depending on how long it takes for you to become mortgage-ready.

We can purchase single-family homes, townhouses, and duplexes in urban areas. However, we do not work with rural properties, leasehold homes, mobile homes, or condominiums.

Your rent is based on market rates for similar homes in the area. In addition to rent, you will contribute an extra monthly amount toward your future down payment.

If you decide not to purchase, the initial option consideration and monthly down payment contributions are non-refundable. However, we may offer extensions if needed.

Financial institutions typically require 10-20% down to secure a mortgage. Your monthly payments help you save toward that goal so you’re ready when the program ends.

We cover the mortgage, property taxes, and insurance until you purchase the home. Your rent payments help cover these costs

As the future homeowner, you are responsible for basic maintenance and minor repairs. Major repairs may be covered under specific agreements.

Yes! You can select a home that fits your budget and future mortgage qualification, with the guidance of our team.

Most homes allow pets, but approval depends on the specific property.

Yes! You can make minor cosmetic changes like painting or updating fixtures. Major renovations may require approval.

Yes! We help self-employed individuals who may have difficulty qualifying for a traditional mortgage. You must show financial stability and adjust your income reporting to meet mortgage requirements.

Our mortgage specialists assess your financial situation to determine a maximum purchase price that aligns with your future affordability.

Yes, you can apply with a partner, spouse, or co-buyer. Both applicants must meet qualification requirements.

If you qualify for a mortgage before the term ends, you can buy the home early. However, exiting the program without purchasing may result in a forfeiture of your down payment contributions.

No, your rent is locked in for the duration of the agreement, protecting you from market fluctuations.

If you experience financial challenges, we may offer solutions, such as adjusting the timeline or modifying the payment plan.

The final price is set at the beginning of the agreement, factoring in projected market appreciation.

Unlike traditional renting, rent-to-own allows you to build equity in a home while working toward full ownership.

No, we specialize in rent-to-own programs but work with real estate professionals to assist in home selection.

Fill out our contact form, and we’ll review your application to guide you through the next steps toward homeownership!