Established 2005 · ON · QC · AB · NS
Moveinnow.Ownitlater.Atapricelockedtoday.
We're Canada's most established rent to own company. If a lender said no over credit, self-employment, or a down payment you haven't finished saving, this is the other route — you move in now, 20% of every monthly payment becomes your down payment, and the purchase price is fixed before you sign.
No credit score cutoff. Self-employed and newcomers welcome. Independent legal advice is part of the process.
Day one
You move in
Deposit placed, price locked, both agreements signed.
Years 1–5
You build
A fifth of every payment goes to your down payment while credit is repaired.
Exit
You buy
Mortgage at the day-one price, savings become the down payment.
0+
years in business (est. 2005)
0
provinces served
0%
of every payment set aside
3–5 yr
typical term
A lender's "no" is a snapshot. It isn't a verdict.
Not enough down payment
You earn enough to carry a home but the deposit is still growing. Rent keeps eating the difference.
Credit that took a hit
A period of missed payments, a consumer proposal, a collection you didn't know about.
Self-employed income
Incorporated, contracting, or paying yourself in dividends — real income a lender won't read.
New to Canada
Savings in the bank and no Canadian credit file. A thin file is not bad credit.
Life happened
A separation, an illness, a business that closed. The file reads worse than the household does.
Facing power of sale
Equity in a home you're about to lose, and very little time to arrange something else.
We're not credit score driven. What matters is whether credit can reach bank standards by the end of the term, and whether the household income supports the home.
Five steps, three to five years, one set of keys.
The short version. The full version — who does what, and how long each step takes — is on the how it works page.
- 1
Apply
About twelve minutes online. No fee, no credit hit to look.
- 2
Get assessed
We check income, deposit and credit and tell you what price is realistic.
- 3
Get matched
An investor buys the home you choose, inside your approved budget.
- 4
Move in
You sign a lease and an option to purchase at a price fixed on day one.
- 5
Buy it
Three to five years later you take a mortgage and the home becomes yours.
A taste of the numbers.
On a $500,000 home, base rent is 0.65% of the price a month and already includes property tax and home insurance. About 20% is added on top and that part is yours — it becomes your down payment.
Run your own numbers- Base rent
- $3,250
- Your savings portion
- $810
- Total monthly payment
- $4,060
- Deposit to start
- $15,000
Includes property tax and home insurance.
Roughly 20%, rounded to the nearest $10.
Rent plus savings, nothing else.
Credited to your future down payment.
Illustration only, not an offer of credit or a guarantee of approval.
- Toronto
- Mississauga
- Hamilton
- Ottawa
- Brampton
- London
- Windsor
- Kitchener
- Barrie
- Oshawa
- Montreal
- Laval
- Gatineau
- Calgary
- Edmonton
- Red Deer
- Halifax
- Dartmouth
- Sydney
The households this was built for.
Two lenders turned me down for being incorporated. My income was fine — my paperwork just didn't read the way their form wanted it to. Three years later I own the house.
DMSelf-employed contractor, HamiltonWe had the savings. What we didn't have was a Canadian credit file, and nobody could tell us how to get one fast enough. We stopped waiting and started building it from inside the home.
ARNew to Canada, MississaugaI needed my kids to stop changing schools. Locking the price meant I knew exactly what I was working toward, and a fifth of every payment was already mine.
JLPost-separation, Ottawa
These are illustrative composites, not testimonials from named clients. HOS can provide real references on request.
If a lender said no, that isn't the end of the conversation.
Applying costs nothing, takes about twelve minutes, and ends with a straight answer about what is realistic for your household.