Rent-to-Own vs Mortgage: The Ultimate Homebuying Showdown I get asked "why would i do a rent-to-own if I can get a mortgage?" all the time. The trust is, you wouldn't. You would do the mortgage every time. Rent-to-Own is not for people who can qualify for a mortgage today - even if you are [...]
If you’ve recently been declined for a mortgage, you’re not alone — and you’re definitely not out of options. More Canadians are turning to rent to own after mortgage decline because the traditional path to homeownership has become harder than ever. Higher interest rates, strict stress tests, rising prices, and tougher qualification rules are shutting [...]
Why Your Income “On Paper” Matters As 2025 year-end approaches, it’s a great time to focus on how why your income matters.When it comes to mortgage qualification in Canada, what lenders care about most isn’t just how much you make—it’s how that income is reported, documented, and verified, the same applies to rent-to-own. With many [...]
How Much House Can You Afford in Canada in 2025? With home prices and mortgage rules constantly evolving, many Canadians are asking about affordability. So How much house can you afford in Canada in 2025? Whether you're a first-time buyer or re-entering the market, this post will walk you through what lenders look for—and how [...]
