Turn Your 5% Savings into a Home: Rent-to-Own Solutions for Families Declined by the Banks

Your Path to Homeownership Starts Here

You’ve worked hard, saved up, and are ready to own a home—but the banks keep saying no. Don’t give up! Clover Properties has already helped over 800 families like yours stop renting and start owning, and we’re here to help you too.

With our Rent-to-Own program, you’ll find a home you love—whether it’s a condo, townhouse, or detached house—and we’ll help you buy it. You’ll have predictable monthly payments, and a portion of those payments will go toward doubling your 5% down payment. In as little as 24 months, you could be mortgage-ready and owning the home you’re living in.

Our application process is quick and easy. In fact you could be house-shopping before your landlord cashes your next rent cheque!

Here are just a few of our team members who will be with you every step of the way, ensuring your journey to homeownership is smooth and stress-free.

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Meet Our Team

Neil OliverRent to Own Homebuyers Relations

In today’s challenging market, where rents are soaring and bank qualifications are tougher than ever, I’m proud to say that Clover Properties has evolved our Rent-to-Own program to give more people a real chance at owning a home. As co-founder with 15 years of experience in Rent-to-Own and 8 years in the mortgage industry, I can honestly say that we have crafted a program that’s affordable, sustainable, and manageable for families who have been turned down by the banks.

Now more than ever, Rent-to-Own stands proudly alongside other options like co-ownership and alternative lenders. When done right, and with the full support and guidance we provide, Rent-to-Own can be one of the best paths to securing a home you can finally call your own.

At Clover Properties, you’re not just getting a house—you’re gaining a partner with 15 years of experience helping families like yours realize their dream of homeownership. With a 90% success rate, most families who work with us achieve their goal within 36-48 months.

Let us help you start your journey to homeownership today! Stop renting, start owning, and make your money work for you.

Rachel OliverRent to Own Investor Relations

I co-founded Clover Properties because I’ve experienced firsthand the struggle of not owning a home. Growing up, I watched my immigrant parents work tirelessly, but they never fit the bank’s mold. All their hard-earned money went to paying someone else’s mortgage, and our family missed out on the stability and security that owning a home provides. It broke my heart to see how much that limited their future. My parents spent their entire lives renting, hoping they’d be financially secure. But by the time they realized that owning a home in Canada is one of the best ways to build wealth and stability, it was too late—they were priced out of the market as home prices skyrocketed and mortgage rules tightened.

Why Rent-to-Own?
I don’t want other families to face the same struggles my parents did. That’s why we created a program where families help other families who don’t fit the bank’s criteria due to a lower down payment or credit challenges. You don’t have to wait for “one day” to own a home. We turn hope into a plan, helping you find a home you love and providing a clear path to owning it while you live there. Our program is designed to give you clarity, confidence, and peace of mind, so you know exactly where you’re headed and feel empowered to take control of your future right from where you are today.

Rochelle ChangRent to Own Homebuyers Relations

With over 22 years in the mortgage lending industry, Rochelle’s passion has always been rooted in finding solutions that make homeownership possible for Canadians. She believes that owning a home is more than just a financial milestone—it’s about stability, security, and building a future.

As the market grows more challenging, Rochelle sees Rent-to-Own with Clover Properties as a purpose-driven solution that brings hope to families striving to become mortgage-ready. Rochelle is one of the biggest champions of this program because it makes homeownership accessible and empowers families to thrive. Her honest, no-nonsense approach is fueled by people who have a deep sense of commitment to achieving their homeownership goals.

Working with a team that shares her dedication to making a difference, she’s found her true purpose, giving families hope, and helping turn their dreams into reality.

Janet EsauRent to Own Homebuyer Support

I have been working with Clover Properties in a few roles since the beginning of my real estate career. As a realtor, I would often have clients come to me who wanted to buy a house but were not able to as a result of having some credit challenges. The reason I became a realtor was to help people and I knew that there must be a way I can help them. Clover Properties was the perfect solution. My clients were able to get out of renting and into home ownership while having the time to repair their credit issues. It was the best of both worlds, I got to help my clients find a house and my clients got to find their “home” that they would have time to work towards.

WHY RENT TO OWN?
Rent to own gives people control over their living situation whereas renting does not. I can’t tell you how many times I have been approached by people needing to move because their landlord was moving back in or selling.