Rent-to-Own Programs
A Path to Homeownership When Traditional Mortgages Aren’t an Option Yet
Whether you’re rebuilding credit, growing savings, or have been declined in the past, Rent-to-Own can provide a structured, supportive path toward owning the home you live in.
At Wealth Connections Team, we work with trusted partners to help you understand the process, run your numbers properly, and guide you from the starting point all the way to the day you qualify for a mortgage.
Who Our Rent-to-Own Programs Is For
01. You’ve been declined for a mortgage in the past.
A denial doesn’t mean homeownership is off the table. Often, you just need the right structured plan.
04. You earn good income, but still don't qualify today.
Many good earners are blocked by debt ratios, past credit issues, or lack of down payment. Rent-to-Own bridges that gap.
05. You’re tired of unstable rentals and want a home to call your own.
If constant rent increases, renovictions, or lack of long-term stability are affecting your family’s quality of life, this path may be right for you.
02. You have some savings, but not enough for a full down payment.
Rent-to-Own allows you to move in now while continuing to build the down payment you’ll need later.
03. Your credit needs time to recover.
This includes:
- Recently completed a consumer proposal
- Rebuilding from late payments or collections
- Limited or thin credit history
06. You want a clear, guided plan toward homeownership.
- Some people simply need a defined roadmap and support system — we provide both.
How Our Rent-to-Own Programs Works
From Confused to Clear in Five Steps
Step 1: Initial Assessment
We review your financial situation, income, credit, goals, and preferred locations to determine whether Rent-to-Own is right for you.
Step 2: Home Selection
With approved budgets, you choose a home that fits your family. The home is purchased by the program provider and held for you while you prepare to qualify for a mortgage.
Step 3: Customized Plan to Qualify for a Mortgage
Together, we create a step-by-step strategy to rebuild credit, increase savings, and meet lender requirements.
Step 4: Move In & Build Your Future Down Payment
A portion of your monthly payment contributes toward accumulating your final down payment.
Step 5: Mortgage-Ready Transition
At the end of the term, you officially become the owner.
Why Work With Wealth Connections Team First?
We advocate for you during the entire process. We partner with trusted Rent-to-Own providers. We help you stay on track financially and credit-wise. We ensure the program structure fits your long-term homeownership goals. We provide mortgage advisory support to prepare you for eventual approval.
Your journey doesn’t stop when you move in — we stay with you until you become a successful homeowner.
Debt Reviewed
Families Guided
Mortgages & Financing Advised
Years of Combined Experience
Real Stories from Families We’ve Helped
I felt overwhelmed trying to figure out what I needed to buy my first home. A friend recommended I reach out to Wealth Connections Team. They introduced me to a financial professional who walked me through every step of the planning process. This saved me so much time and I’m pretty sure I would still be renting if it wasn’t for them. I would definitely recommend this company if you’re trying to figure out how to buy your first property.
Sarah M.
Toronto, ON
We called Wealth Connections Team to try to figure out what to do about our debt. We felt like we were drowning and had no clear plan on what to do. Everyone out there kept giving us contradicting advice and everything felt so salesy. We are so glad we took this route instead. We got connected to a lady who took the time to understand us without rushing us or making us feel bad about the situation. She walked us through all the options and gave us the benefits and drawbacks of each one. This is the only company that truly walked us through something that made sense, and now we are saving money and are on the right track.
Mark & Julia R
Kitchener, ON
Running a growing business, I didn’t have time to figure out financing options. Through Wealth Connections Team, I was matched with a lending expert who helped me access private funding to expand my operations. This was a really good experience. I would recommend them to anyone who is looking to expand their growing business.
Daniel T.
Sudbury, ON
I am new to Canada and was recommended to Wealth Connections Team through a newcomer program in Toronto. I had no idea where to start with my money plan and kept getting declined for credit. They put me in touch with a financial consultant that helped at no cost. She guided me on getting my credit built up, connected me to companies that would set up a credit card for me. Thank you for everything.
Priya K.
Mississauga, ON
A family member suggested I reach out to this company when I received a small inheritance. At first, I just put the money in the bank and thought nothing of it, but my family insisted I needed to do more than that. I met this lady through them who taught me so much about investments, and retirement planning. I got so much value without paying her a penny, and I feel so much smarter about this topic now. I would recommend this service to anyone like me.
Robert H.
Calgary, AB
I’ve been a realtor in the GTA for over 12 years. Wealth Connections Team gives my clients a fair chance at buying a home. In the past few years I’ve had many buyers come to me without pre-approvals that had financial issues I couldn’t guide them through fixing myself. This team looks after my clients without any judgement and helps them with a plan. It’s not a perfect fix, but I’ve had clients come back to me, ready to find their home much faster than if they didn’t use their services.
Angela H.
Etobicoke, ON
What Happens After Your Plan Is in Place?
Once your rent-to-own planning is complete, you’ll know
You move in with a real plan (not just hope).
Together, we create a step-by-step strategy to rebuild credit, increase savings, and meet lender requirements.
You build toward ownership while living in the home.
A portion of your monthly payment contributes toward accumulating your final down payment.
You transition into buying the home when you qualify.
At the end of the term, once you qualify, you buy the home and officially become the owner.
You’re not doing it alone.
Your journey doesn’t stop when you move in — we stay with you until you become a successful homeowner.
And you are not left on your own. We stay as a point of contact as you move forward and start working with partners in our network.
Ready to Talk About Rent-to-Own?
If you're ready to explore a Rent-to-Own path or want to understand whether you qualify, we’re here to guide you every step of the way.
Call us at (226) 210-2868 or click below to book your free first-time home buyer discovery call.
First-Time Home Buyer Planning FAQs
A Rent-to-Own program allows you to move into your future home now while you work toward meeting mortgage requirements, with part of your payment going toward your future down payment.
With Rent-to-Own, you’re working toward purchasing the home at a pre-set price and building toward your down payment while you live there.
Yes — with approved budgets, you choose a home that fits your family, and the program provider purchases and holds the home while you prepare to qualify.
No. Rent-to-Own is often ideal for people rebuilding credit, recovering from past issues, or with limited/thin credit history.
A denial doesn’t mean homeownership is off the table. Often, you just need the right structured plan.
A portion of your monthly payment contributes toward accumulating your final down payment.
It depends on your credit, savings, and lender requirements, but the goal is to follow a step-by-step strategy to rebuild credit, increase savings, and meet approval requirements.
Once you qualify, you buy the home and officially become the owner.
Yes — we stay with you from the starting point all the way to the day you qualify for a mortgage, and we stay with you until you become a successful homeowner.
Book a consultation with Wealth Connections Team and take the first step toward owning your future home.