Brantford Rent to Own solutions

Enjoy the comfort of knowing your building equity in a home, instead of exhausting your savings. Choose rent to own a home in Brantford that fits your budget with the desired amount of bathroom and bedrooms, plus a fence yards for your kids to play in a safe secure environment.

The city of Brantford, Ontario is an up and coming community that offers rent to own homes at attractive prices and suited to meet your families lifestyle and budget.

Discover the benefits of a modern approach with a Brantford Rent to Own. Overcome obstacles that are inhibiting your ambition to own a home. Let’s work together with our Family First Strategy and introduce a new approach that helps you achieve home ownership and stop renting, ideally suited for your circumstance!

Brantford Rent to Own – A Family First Alternative

Let’s work together, using our Family First Strategy, and help you more easily achieve home ownership and stop renting. Together we will design a solution suited to your particular circumstances.

Brantford Rent to Own – Case Study

In 2014, a couple came to us; they really wanted to have their own home and get off the rental treadmill. Although they had secure employment and good income, there were a couple of serious challenges:

  • A very low credit rating
  • Not quite enough funds for a down payment.

Like most people, no one had ever provided them with any suggestions on how to improve their credit, or on better ways to manage their money.

One of our team met with the couple on a few occasions over the course of a year; they were provided guidance on:
a) how credit scores are calculated;
b) how spending and payment behaviors impact the score;
c) what steps they could take to improve their score; and
d) suggestions on accumulating additional savings toward a down payment.

The couple took the advice seriously and took action. In a little more than one year, they achieved their goals:

1. Increased their savings to meet the required down payment.

2. Improved their credit score to a level that will easily qualify them for conventional mortgage financing within a couple of years.

3. Chose, and have moved into a home they could afford that meets their needs, in a growing Brantford community.

This family is now building solid equity into their own home. In a couple of years, upon qualifying for their own mortgage, title to the home will be transferred to them.

Many of our customers prefer to begin their Home Purchase program in a house that meets their family’s needs. If this is what you want, we will help you do just that. We work with you every step of the way to find and purchase the home of your choice. Our team of experts help ensure your home is a sound and worthwhile investment. We are your safety net when you are ready to make the leap into home ownership.

However, there are other options;  For instance, you can customize the house to your preferences. We want you to treat the home as if you own it now. However, any work that is done must be done by a licensed contractor and must have a contract in place for any major renovations. Or, this may mean purchasing a multi-unit, or a home with a ‘granny’ suite. These options have some built-in benefits; the main one being that once you have assumed ownership of the home (the end of the term), you may have tenants paying most, if not all of your mortgage. payment.

Unlike other more traditional Rent to Own programs, we will show you a process that is unique and enables you to build equity in your home. Our qualification process utilizes a strategy that is more stringent than most to provide greater assurance that you are mitigating the risk of forfeiting.

What will it cost me? Our monthly payments are comparable to a mortgage of around 6% and flexible amortization terms, along with the property tax, insurance and utilities

Do I live in the home today? YES, you get to live in this home today instead of waiting a few years. And during this time we will be guiding you to improve any credit blemishes to accomplish the successful completion of the program.

Is an initial deposit required? A deposit of no less than 3% or greater of the homes purchase price is required and if life’s circumstance limits your ability to provide a deposit today… Ask about alternative options by requesting a free consultation with us.

Some scenarios that are suitable for our program;

Self Employed
Poor Credit
New to the Country
Lack of down payment
Facing Foreclosure
Consumer Proposal
Time to repair your credit or investigate the best financing.

Why Choose Us?

  • Establish or repair bruised credit.
  • Facing foreclosure.
  • Self-employed and lenders won’t finance your mortgage.
  • Divorced, Bankruptcy or consumer proposal
  • Build equity in a home.

Get connected!

Discover the benefits of our Home Purchase Program.