Path to Homeownership
The program only works if a lender says yes at the end. That means about 680.
We do not use a credit score to decide whether you can start. We do use it to decide what has to change during the term, and we measure it every month rather than hoping.
Why enrollment is mandatory where credit is behind.
If credit is not in line with lending guidelines when you start, enrollment in Path to Homeownership is a condition of the program, not an optional extra.
The reason is simple arithmetic. At the end of the term you need a mortgage. If nothing changes about your credit file over three to five years, the same lender who declined you declines you again — and by then you have paid three to five years of savings into a purchase you cannot complete. Making the work mandatory is how we avoid that.
What is in the plan
A written list of actions, each with a priority and a status: disputing inaccurate reporting, clearing small collections, rebalancing utilisation below 30%, establishing or re-establishing tradelines, and — above everything — a clean record of on-time payments.
How often we look
A score snapshot is logged regularly and plotted against the target. We calculate repair velocity in points per month over the last six snapshots, so we can see whether the trend gets you there in the months you have left.
What happens when it slips
The file changes colour internally, and someone is assigned to intervene. The intent is to catch a struggling family in month fourteen, not month forty-four, while there is still time for the trend to change the outcome.
What you are asked to do
Keep payments on time, avoid new credit applications without telling us, keep employment stable, and answer the check-ins. Nothing exotic. Consistency is what moves a score.
Credit management
The term is for fixing the file, not just saving.
Your credit is analysed in real time when you apply, and again along the way. We give you an order of operations — which balance to bring down first, which account to leave open, what not to touch — and we check the file against the plan while you're in the home. The point of three to five years is that a mortgage is waiting at the end of it.
- Real-time credit analysis at application
- A written order of operations, not vague advice
- Progress checked against the plan during the term
Illustrative repair path
mortgage readyIllustration of a typical repair path. Individual results depend on the file and are not guaranteed.
What progress usually looks like.
Indicative only — every file is different, and nobody can promise a score. But this is the shape of a term that goes well.
Months 1–3
Report pulled and read line by line. Errors disputed. The plan is written and the first actions start.
Months 4–12
Collections cleared, utilisation coming down, a run of on-time payments building. This is usually where the first real movement shows.
Months 13–30
Steady climb. Velocity is measured and the projection to the exit is checked against the months remaining.
Final 12 months
Holding steady, no new credit, and the mortgage application prepared with a lender while the file is at its strongest.
We are not a credit repair agency and we do not charge separately for this work. It is part of the program because the program depends on it.
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.