Rent-to-Own – Inspiring New and Returning Homebuyers

We build a new foundation of financing when the banks say “no”

We Can Help with Rent-to-Own if you Want to Own Your Own Home!

Whether you’re rebuilding after divorce, self-employed and overlooked by banks, newly immigrated and needing time to establish credit, recovering from bankruptcy or have saved 5% but don’t have the closing costs—Rent-to-Own can give you a fresh start. Don’t settle for a lifetime of renting. Our Rent-to-Own Program is designed to help you get back on track and move confidently toward homeownership.

Credit Challenges

Credit issues in the past? Filed a bankruptcy or consumer proposal? Ran into some late payments due to job loss or divorce? No problem. Rent-to-Own provides you an opportunity to get into the home you want to buy today while giving you the TIME to REPAIR credit issues so you qualify for your mortgage at the end of the Rent-to-Own.

Want to Pre-Qualify?

Pre-Qualify Here

Mortgage Help?

Stuck in a private mortgage? Maybe took out a 2nd mortgage hoping it would make things easier and find yourself in a tough spot. We can help but doing a refinance Rent-to-Own which means we will buy your house, pay out the private funding and then you will Rent-to-Own your house back at lower monthly payments. It’s a win-win as you get out of having to pay any fees associated with the private funding and still get to stay in the house you want to live in.

Want to Pre-Qualify?

Pre-Qualify Here

Not Enough Down-Payment

In many cases, banks are looking for 10% and more for a down payment especially if there are credit challenges. Thinking about a B or Private Mortgage? B Lenders will also want 10% or more and Privates are looking for 20% down these days. They don’t really care that you have worked hard to save 5% but just can’t come up with the rest. That’s where Rent-to-Own can help. A portion of each monthly payment is put “away” for you towards your downpayment so you exit the Rent-to-Own with more than you started with.

Want to Pre-Qualify?

Pre-Qualify Here

New to Canada?

One of the biggest challenges new Canadians face is that they do not have established income. Rent to own lets you enjoy pride of ownership now and gives you the time needed to establish your credit history while you wait for your Permanent Residency.

Want to Pre-Qualify?

Pre-Qualify Here

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Our Core Values

At the heart of everything we do in our Rent-to-Own Program are the values that guide us: integrity, transparency, and empathy. We believe every aspiring homeowner deserves honesty, clarity, zero judgement and a path they can trust. That’s why we lead with compassion and are committed to doing what’s right—even when no one’s watching. We’re not just helping people get into homes—we’re helping them build a future with confidence and dignity.

We REALLY Do Care

We actually care about helping you succeed.  We work with you to develop a property budget that fits the current lending rules and also fits your families needs.  Work to live, don’t live to work.  Support is our middle name.  Not only do we set you up with a licensed realtor to help you find a great property, we also are here to support you throughout the entire term of the Rent-to-Own.

No Rent-to-Own Fees

Clover Properties does not ask for any fees.  No sitting fees, no consultation fees. No hidden fees at all.   You do, however have one cost in the purchase and that is to pay for the home inspection which you would do anyways if you qualified for a mortgage.

We GET It

We have been helping families with Rent-to-Own for 15 years. We understand that life doesn’t always line up perfectly with the bank’s checklist. That’s why our Rent-to-Own program was created—for people like you, with steady income, a 5% down payment and a strong desire to own, but who just need a little more time to build credit, save for closing costs or boost their savings.

The Commitment

Like a mortgage, Rent-to-Own is a commitment. You NEED to be prepared to work hard to improve your credit and meet your contractual obligations which include making your payments on time.  We will be there to support you along the way.

Our Happy Rent-to-Own Homebuyers Say

“Such a great path of turning your dreams into reality! Stephanie and Neil were hands down so great to work with! We had absolutely no problems during the entire process as they answered all our questions clearly & promptly. The whole process was actually much easier than I had thought… from start to finish! Neil was instrumental in working out a way to get us into a townhouse we wanted in a new development in Whitby. I am so happy to say we’ll be moving into this place in the next 2 weeks! I definitely recommend Clover Properties to anyone who has a dream of home ownership.”

YANTHE • WHITBY, ONTARIO

“Clover property has been very instrumental in our lives. I was very skeptical about RTO due to other companies and their arrogant attitude. When I met Neil, he was sincere and forthright. He explained exactly how the program worked and what the expectations were. The program is challenging, but it is definitely worth it.”

DAVIS • AJAX, ONTARIO

Latest Rent-to-Own Blog Posts

If you’re exploring Rent-to-Own as a path to homeownership, this blog series is your go-to resource. Packed with clear, practical insights and expert-backed guidance, each post breaks down the process, pros and cons, common pitfalls, and real-world scenarios—making it easier for you to make confident, informed decisions. Whether you’re just getting started or ready to take the next step, you’ll find the answers you need right here.

Is Rent-to-Own for You?

If Rent to Own sounds like the right fit for you, the first step is to find out if you pre-qualify by clicking the button to the right.  It only takes a couple of minutes.

PRE-QUALIFY TODAY!