Offering rent-to-own any home in Southern Ontario. Specializing in Rent-to-Own programs in Toronto and the Durham Region -Toronto, Pickering, Ajax, Whitby, Oshawa, Courtice, Bowmanville and more. You choose the home and we will buy it. Submit a Rent to Own Approval today 
What if the banks already turned me down?
That’s okay, we are not the bank. Bad credit that can be fixed, a good income is what we are looking for. We want you to be able to take advantage of the Purchase Option at the end of the program.
We also become a credit reference to you when you apply for a mortgage.
Can I still Qualify If I am Self-Employed?
Yes.
How Does the Rent to Own program work?
You put an initial Purchase Option Deposit on the home and earn monthly Non-Refundable Purchase Option Credits that gives you the exclusive rights to purchase the home at the end of your lease for a predetermined price.
The Rent to Own process gives you time to rebuild your credit while still being able to live in the home that you want.
How Long Does it take to get into our home?
The process can take 6-8 weeks or longer, depending on the property.
What kind of Amount do I need for the Purchase Option Deposit?
You will need between 3-5% of the current value of the house, but there can be some flexibility on this.
Why do you require a Purchase Option Deposit?
The Purchase Option Deposit is applied to the purchase price of the home at the end of the program and ensures your commitment to the purchase.
This money is forfeited if you do not buy the home. We only want to work with you, if you are committed to buying the home.
What kind of monthly payment is required and how does this compare to my current rent?
This example helps to illustrate the process. We customize the rent to own program for your needs. So please use this $200,000 house as an example.
| $200,000 House | Rent | Rent to Own |
| Lease Monthly | $1500 +Utilities | $1700 +Utilities |
| Purchase Option Deposit | 0 | $6000 |
| Purchase Option Credits Earned Monthly | 0 | $400 |
| End of 2 Year Lease – Total Purchase Option Credits | 0 | $15,600 |
What is the final Purchase price of the House at the End of the Rent to Own Program?
This depends on the length of the lease and will be stipulated in the Purchase Options Contract.
What if I don’t make a monthly payment?
We stick by the terms of our agreements. If you should default on the contract, we will begin legal proceedings to gain possession of the home. You could possibly lose all the Non-Refundable Purchase Option credits that you have built up in the home, including the Purchase Option Deposit.
We only want to work with you, if you are committed to buying a home.
Who is responsible for the maintainance of the property?
You are responsible for maintenance and upkeep of the property. You are building value in the home by taking care of it. Be sure to keep this in mind when working on your monthly budget.
What kind of house can I choose?
We want you to be happy. We also want to make sure you are buying a home in a good area that is appreciating in value. We have a team of people that will help you.
Who pays for the property taxes and property insurance?
We pay for the property taxes and property insurance. It is your responsibility to cover the possessions in your home and any liabilities through the appropriate insurance product.
What happens if I do not want to buy the house at the end of the rent to own program?
We are obligated to sell the house to you at the end of the lease, but you do have some options.
- We could extend the lease for up to one additional year.
- You can walk away from the property, not owing us any more money. But – the Purchase Option Deposit and Purchase Option Credits are non-refundable.
We only want to work with you, if you are committed to buying a home.
