We help you determine a realistic home-buying budget based on your future qualifications. Once your program is customized, you'll find a home within that budget. You then move in as a tenant-buyer, building your savings and credit until you're mortgage-ready — at which point you purchase the home.

Anyone who has stable income, a reasonable down payment plan, and the ability to improve their financial profile during the program. You don't need perfect credit or a full down payment to get started.

• Steady household income
• A minimum starting option amount (future down payment)
• Commitment to improving credit and finances during the program
• Desire to purchase a home at the end of the term

Most programs run 2–4 years, depending on how long you need to become mortgage-ready. Your term length is chosen during the planning stage and is tailored to your financial goals.

This depends on your future mortgage qualifications — income, debt, credit, and savings. During the planning phase, we work with you to determine a realistic budget so you're set up for success at the end of your term.

We focus on move-in ready, family-friendly homes: single-family homes, townhouses, and duplexes in good neighborhoods with access to amenities like schools and transit.

Your option consideration is your future down payment. It is separate from rent, goes directly toward your purchase, and builds your equity stake in the home over the course of the program.

Yes — minor cosmetic upgrades like painting and décor are usually fine. Major changes must be approved first by us to protect the home's value.

Most homes allow pets, but final approval depends on the specific property and landlord/JV partner. We do our best to accommodate pet owners when possible.

Yes! We frequently work with newcomers who need time to build credit and establish Canadian income history.

The most important requirement is permanent residency. Once you have PR status, we can help you move toward homeownership while you continue building your financial profile in Canada.