Four provinces
Ontario, Quebec, Alberta and Nova Scotia.
We place families where we can actually service the deal for the next three to five years — which means a real property market, financeable homes, and staff who know the local process.
The service area.
Four provinces, forty-five cities. Hover a province to see the cities inside it — or a marker to name the city.
Region by region.
If your city is not listed, it is worth asking. The constraint is the property and the local market, not an arbitrary boundary.
Greater Toronto Area
The densest part of our book, and the tightest on the five-times-income guideline.
- Toronto
- Mississauga
- Brampton
- Markham
- Richmond Hill
- Vaughan
- York Region
- Peel
- Halton
- Burlington
Durham and the east GTA
Commuter towns where the price-to-income arithmetic still works for many households.
- Oshawa
- Whitby
- Ajax
- Pickering
- Clarington
Southwestern Ontario
Strong supply of the mid-priced detached homes the program is built around.
- London
- Windsor
- Kitchener
- Waterloo
- Cambridge
- Guelph
- Brantford
- Stratford
- Chatham-Kent
Hamilton and Niagara
Established neighbourhoods and a steady rental-to-ownership pipeline.
- Hamilton
- Niagara
- St. Catharines
Eastern Ontario
Government and institutional employment makes income easy to document here.
- Ottawa
- Kingston
- Peterborough
- Cornwall
- Barrie
Northern Ontario
Lower prices, but we watch rural condition and resale carefully before approving a home.
- Sudbury
- Thunder Bay
- Timmins
- North Bay
- Kenora
- Elliot Lake
Quebec
Distinct legal process; independent legal advice matters even more here.
- Montreal
- Laval
- Gatineau
Alberta
Larger homes for the money, and a labour market that moves quickly in both directions.
- Calgary
- Edmonton
- Red Deer
- Airdrie
Nova Scotia
Our smallest region, and the one where suitable inventory takes longest to find.
- Halifax
- Dartmouth
- Sydney
What we look for in the home itself.
Good repair
It has to pass a home inspection and be insurable. Deferred maintenance becomes somebody's problem during the term — usually yours.
Not too rural
A property a lender is reluctant to finance at the end of the term is a property that traps you, however cheap it looks today.
Inside the approved budget
You choose the actual house. We set the ceiling from your income, not from what a realtor thinks you can stretch to.
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.