What is Rent To Own? How can it help me?

Simply put, Rent To Own is renting with the option to buy. The concept is very similar to a car lease agreement. In our Rent-to-Own program, we lease you the home and provide you the right to purchase it at a later date for a set price. For clients with bruised or no credit, this arrangement provides enough time to clean up past credit problems or to build credit in order to secure a traditional mortgage. A big advantage of Rent-To-Own is you get to lock-in the price of the home now and live in your chosen home sooner. You don't have to wait until you qualify for a mortgage to live in your home. Another advantage is fixed monthly payments. At a time when rental price is skyrocketing and seems to be always going up, the fixed monthly payment in a Rent-to-Own program provides consistency and comfort especially to those who are currently renting. Our clients need NOT worry that their monthly payment will go up for the duration of the program. And, at the end, they get to purchase the home.

What are the Advantages of your Rent-to-Own program?

We are very committed to assist our clients to live in the home of their dream sooner. Our clients relish this accelerated journey to home ownership! Our program's benefits : You can live in your home now : Instead of waiting until the time comes when you can qualify for a mortgage, our program will let you move into your home now and qualify with the bank later. Fixed monthly payments : In a time when rental cost is quite unstable and has been skyrocketing with no end in sight, your monthly payments are fixed throughout the duration of the program. Monthly Credits : You can earn monthly credits towards your down payment. Each and every month you can save money towards the possible purchase of your home. This helps you to build equity in your home faster than with a traditional mortgage. Home Appreciation : Any improvements that you make on your home will increase the value above and beyond your final price. This increase in the home's value is yours to keep because your price is locked in. Your Credit Score : During the lease portion of this program, we will work with you to improve your credit score so that you can obtain financing when you exercise your purchase option.

How do I get started?

Reach out to us for a free, no-obligation review to help us assess how we can help you. Complete this online questionnaire. We usually reply back within three days (as soon as possible).

What if I have credit problems in the past?

Our program is all about assisting deserving clients with bruised (or not enough) credit history to qualify for a traditional mortgage. If you are willing and prepared to take the necessary actions to improve your credit then we can help. Reach out to us now and we'll assess where you are at. First step is to determine a path to repair your credit.

Will you help me fix my credit so I can get a mortgage at the end of the term?

Yes, we will have a credit counsellor or mortgage broker help guide you throughout the term of the Rent-to-Own program. With your full cooperation (impt!), they will help make sure you are on the right track in repairing your finances and credit so that they can match you up with a lender down the road.

The short answer is Yes. Clients who are invested and financially committed have a higher probability of success going through the full program term. When you exercise your purchase option, the deposit goes towards the down payment you need for your own mortgage. If you do not have an upfront deposit but is very committed to own a home, we recommend you reach out to us and we'll do a quick review to determine if we can come up with a tailor-made solution for you.

Who is responsible for maintenance/repair?

You will be responsible for any repairs and maintenance of the property. This is a huge responsibility and you will benefit from any improvements that may increase the value of the home once you exercise the option. Please remember that all homes need regular ongoing maintenance, so you should budget accordingly when considering the monthly payments. When you first picked this home, you would have called a home inspector and know exactly what is required for that home in advance.

Who pays for utilities?

You will be responsible for paying all utilities which can include electricity, gas, cable TV, internet service, etc.

What if I still can’t qualify for my own mortgage at the end of my Rent to Own term?

Our goal is to see you eventually own the home at the end of the program's term. We do understand that "stuff" sometimes do happen. If at no fault of your own, we are committed to explore possible options to extend the Rent to Own Agreement or finding alternative solutions that will align with your situation. But, if right now, you anticipate any challenges you may have in meeting the qualification criteria within the program term, we ask that you deeply consider whether Rent to Own is the most suitable solution for your needs. Reach out to us and we'll help assess your situation.

Live in Your Home Now!

Begin your journey to home ownership. Apply now to our Rent To Own program. We’re happy to help.

Learn More

Inquire Now

Let our team help you start living in your own home.

In today’s unstable and competitive real estate market, a lot of renters are uneasy as rental cost has continuously skyrocketed with no end in sight.

We assist clients, currently renting, who are determined to become homeowners but cannot qualify (just yet) for their own mortgage. Our program offers flexible home purchase terms with no extra fees nor real estate commission.

Why Rent to Own?

Can’t qualify for a mortgage?

With our proven process, you’ll have the opportunity to build up your credit score and savings while living in your chosen home. Our team will guide you ensuring a seamless transition from renting to owning.

New Immigrant to Canada?

As a new immigrant, you face many challenges, one of which is having your own home in Canada. Our Rent To Own program could be a solution. Let us be your guide. Allow us to help you start your journey towards home ownership with confidence.

Bankruptcy, Bad or No Credit?

Don’t let your bruised financial history hold you back. Say goodbye to the stress of waiting for approval because of bad or no credit. Say hello to owning your own home with our Rent-To-Own program.

Want to live sooner in your dream home?

We will go through your financial situation to develop the right plan. We’ll help improve your current credit score to eventually qualify for a mortgage you can work with at the end of the term.

Frequently Asked Questions FAQs

What is Rent To Own? How can it help me?
Simply put, Rent To Own is renting with the option to buy. The concept is very similar to a car lease agreement. In our Rent-to-Own program, we lease you the home and provide you the right to purchase it at a later date for a set price. For clients with bruised or no credit, this arrangement provides enough time to clean up past credit problems or to build credit in order to secure a traditional mortgage.

A big advantage of Rent-To-Own is you get to lock-in the price of the home now and live in your chosen home sooner. You don’t have to wait until you qualify for a mortgage to live in your home. Another advantage is fixed monthly payments. At a time when rental price is skyrocketing and seems to be always going up, the fixed monthly payment in a Rent-to-Own program provides consistency and comfort especially to those who are currently renting. Our clients need NOT worry that their monthly payment will go up for the duration of the program. And, at the end, they get to purchase the home.
What are the Advantages of your Rent-to-Own program?
We are very committed to assist our clients to live in the home of their dream sooner. Our clients relish this accelerated journey to home ownership! Our program’s benefits :
- You can live in your home now : Instead of waiting until the time comes when you can qualify for a mortgage, our program will let you move into your home now and qualify with the bank later.
- Fixed monthly payments : In a time when rental cost is quite unstable and has been skyrocketing with no end in sight, your monthly payments are fixed throughout the duration of the program.
- Monthly Credits : You can earn monthly credits towards your down payment. Each and every month you can save money towards the possible purchase of your home. This helps you to build equity in your home faster than with a traditional mortgage.
- Home Appreciation : Any improvements that you make on your home will increase the value above and beyond your final price. This increase in the home’s value is yours to keep because your price is locked in.
- Your Credit Score : During the lease portion of this program, we will work with you to improve your credit score so that you can obtain financing when you exercise your purchase option.
How do I get started?
Reach out to us for a free, no-obligation review to help us assess how we can help you. Complete this online questionnaire. We usually reply back within three days (as soon as possible).
What if I have credit problems in the past?
Our program is all about assisting deserving clients with bruised (or not enough) credit history to qualify for a traditional mortgage. If you are willing and prepared to take the necessary actions to improve your credit then we can help. Reach out to us now and we’ll assess where you are at. First step is to determine a path to repair your credit.
Will you help me fix my credit so I can get a mortgage at the end of the term?
Yes, we will have a credit counsellor or mortgage broker help guide you throughout the term of the Rent-to-Own program. With your full cooperation (impt!), they will help make sure you are on the right track in repairing your finances and credit so that they can match you up with a lender down the road.
Do I need a deposit?
The short answer is Yes. Clients who are invested and financially committed have a higher probability of success going through the full program term. When you exercise your purchase option, the deposit goes towards the down payment you need for your own mortgage.

If you do not have an upfront deposit but is very committed to own a home, we recommend you reach out to us and we’ll do a quick review to determine if we can come up with a tailor-made solution for you.
Who is responsible for maintenance/repair?
You will be responsible for any repairs and maintenance of the property. This is a huge responsibility and you will benefit from any improvements that may increase the value of the home once you exercise the option. Please remember that all homes need regular ongoing maintenance, so you should budget accordingly when considering the monthly payments. When you first picked this home, you would have called a home inspector and know exactly what is required for that home in advance.
Who pays for utilities?
You will be responsible for paying all utilities which can include electricity, gas, cable TV, internet service, etc.
What if I still can’t qualify for my own mortgage at the end of my Rent to Own term?
Our goal is to see you eventually own the home at the end of the program’s term. We do understand that “stuff” sometimes do happen. If at no fault of your own, we are committed to explore possible options to extend the Rent to Own Agreement or finding alternative solutions that will align with your situation.

But, if right now, you anticipate any challenges you may have in meeting the qualification criteria within the program term, we ask that you deeply consider whether Rent to Own is the most suitable solution for your needs. Reach out to us and we’ll help assess your situation.