Can’t Get a Mortgage Today?

You’re not alone! Ever since the Banks tightened their lending rules it’s harder for Canadians to get a mortgage!

Hi, I’m Neil Oliver. I’m an experienced mortgage agent in Ontario and author of Amazon best-selling book “Rent-to-Own Essential Guide for Homebuyers”. Banks are making it hard to qualify for a mortgage these days.  I have found another way to help you get the home or condo you want NOW. If you’ve been turned down for a mortgage and are tired of renting, please keep reading.

These days, it’s all about credit.  If you don’t have the best credit, it seems like there are no options.  This doesn’t have to be the case. Our reputable Assisted Purchase Programs can help you get into the market today.

  • Get time to repair/rebuild your credit
  • Get time to pay down debt
  • Get time to build your down payment
  • Get time to build equity in the property

We are grateful to have helped over 700 families to date.

My biggest fear these days is that lots of families will end up getting priced out of the areas they want to live because they aren’t in a position to get a mortgage today and who knows for sure where prices will be in the next few years.  One thing is for sure, we have a supply issue and that doesn’t seem to be going away anytime soon.

If you would like to see if our Assisted Purchase Program can be an option for your family, just fill out the no-obligation form to the right.

What do you need to qualify?

  • Annual household income of $80,000 (or more)
  • Minimum down payment:
    • $15,000 for a home up to $400,000
    • Or 5% for a home $400,000 – $800,000

Even if you have low credit or no credit today, I may be able to help your family too.

Best of all, there are no fees. No hidden costs.

Need more information?

For instant access, fill out the form and you’ll be one minute closer to homeownership.

Do you have a good job and some money saved for a down payment but still can’t get a home of your own? Then you’re in the right place! Even if you have low or no credit today, we can help you stop renting and start owning. Begin by completing this confidential pre-qualification form. Our amazing Rent-to-Own Specialist Stephanie will get back to you right away with next steps.

Remember, most applicants are not disqualified based on credit. To complete your application quicker, you will need to know the following:

  1. Maximum amount of down payment you have available today.
  2. Annual job or self-employed income for all members of your family.
  3. Where applicable, be sure to include spousal support, child support, part-time income, permanent disability, pension, and child benefits.
Rent-to-Own Pre-Qualification: Step 1 of 3
*Please be sure to factor in your income, your spouse/partner's income, and any other household members. 
Your application will be used to assess if you can be successful in our Rent-to-Own program. We will not share your information with third parties outside of our organization, other than as necessary to fulfill your request to pre-qualify you.