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A Path to Homeownership When Traditional Mortgages Are Not an Option Rent-to-own programs let you move into a home now...
Takes 30 seconds. No credit check required.
Rent-to-own programs let you move into a home now while building toward mortgage qualification and ownership. A portion of your monthly rent goes toward your down payment, and you work toward meeting mortgage approval criteria during the rental period.
You enter an agreement to rent a specific property for 2-4 years with the option to purchase at an agreed price at the end of the term. During the rental period, a portion of each rent payment accumulates as a down payment credit. You use this time to repair credit, build savings, establish employment history, or address other qualification barriers.
Rent-to-own is particularly valuable for newcomers to Canada building credit history, individuals recovering from bankruptcy or consumer proposal, self-employed individuals building a track record, families who want to lock in a home in a specific neighbourhood or school district, and anyone who needs time to save for a larger down payment.
We help you evaluate rent-to-own agreements to ensure the terms are fair, create a mortgage-readiness plan for the rental period, and position you for the best possible mortgage rate when it is time to purchase. Our goal is to get you into traditional mortgage financing as quickly as possible.
Tell us about your situation. We review your needs, goals, and financial picture — quick and confidential.
We compare rates and terms from our network of banks, credit unions, B-lenders, and private lenders to find your best match.
Once you choose your best option, we handle the paperwork and guide you through to funding — fast and stress-free.
Fully licensed and regulated in Ontario. Your interests are legally protected.
Clear terms, honest guidance, and a dedicated agent working to get you the best deal.
Pre-approvals in 24 hours. Private lender funding in as little as 48 hours when time is critical.
We shop your application across banks, credit unions, B-lenders, and private lenders Canada-wide.
Get a personalized rate quote in under 60 seconds. No hard credit check required.
Fully licensed, operating under 8Twelve Mortgage Corporation (Lic#13072).
Access to Canada's largest network of banks, credit unions, B-lenders, and private lenders.
Get a response within 2 business hours. Many approvals within 24-48 hours.
Expert guidance with zero pressure. We work for you, not the banks.
A licensed mortgage agent will personally review your situation and call you back within 2 hours. No pressure, just expert guidance.
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Mortgage services provided by 8Twelve Mortgage Corporation, licensed mortgage brokerage (Lic#13072).
Have questions about your mortgage options? Book a quick call with a licensed agent — no pressure, no obligation.
