Rent-to-own for Immigrants

Why choose Rent-to-Own as an immigrant or new arrival?

It is well known that there is a housing crisis in Quebec, and when you move here with children, it becomes even more difficult.

Add a pet like a dog to the mix, and the task becomes almost impossible, as apartment owners fear that children will run and play and disturb other tenants, and that the dog will damage the floors.

We know that it can be difficult for families to be asked to give up their pets in order to rent a home. If you have 3, 4, or 5 children, you need a house with space and a yard to breathe a little.

However, thanks to the help of Nectarios Petropoulos ctr.hyp and his team, there is a rent-to-own program that allows you to choose your home today and buy it tomorrow.

From the plane to your home, with rent-to-own!

Rent-to-own can be a good option for immigrants or new arrivals because it combines the advantages of renting and buying.

It allows you to:

  • Choose your future home today in the neighborhood of your choice
  • Save on rental fees which are often made at the same price or more expensive than a purchase
  • Build real estate assets (the repurchase price is fixed, so if the house is worth more than the agreement price at the end of the term, you will benefit from the increase!)
  • It can also be a financially advantageous solution for those who have difficulty obtaining a loan due to a 35% down payment requirement or monthly payments from a private lender being too expensive.
  • Difficulties in buying due to the Moratorium that is in place from January 1, 2023 to January 1, 2025

How does rent with the option to buy work for newcomers?

  1. We purchase the home of your choice
  2. You pay rent for a period of 1 to 5 years (depending on your status and needs)
  3. You buy it from us at a fixed price.

It’s as simple as from the plane to your home with rent-to-own!

1. Overseas agreement


2. Move to Canada


3. Move into your future home

4. Pay rent and build your name & credit


5. Qualify for a mortgage and buy your home


6. Finally Homeowner & Celebrate!

Simplified eligibility criteria:

  1. A minimum of 13.5% down payment is required to study your application
  2. A 20% down payment is preferable to save on mortgage insurance fees and have more advantageous monthly payments
  3. Proof of income (employment letter, job offer, etc.) is required.

Our process in brief:

Before the term:

  1. Fill out the online application form
  2. We contact you to obtain more information and understand your needs
  3. We prepare a customized solution based on your budget
  4. We approve you for a maximum property value
  5. We put you in contact with our real estate professionals
  6. We make an offer to purchase the desired property
  7. We buy the property
  8. You move in and celebrate!

During the term:

  1. You pay according to the agreed conditions and manage repairs related to the property
  2. You start the process of permanent residency, if applicable
  3. You build your name and credit
  4. Annual review of your credit and progress

End of term:

  1. We prepare your file for redemption with financial institutions
  2. The financing file is approved
  3. The transaction is notarized
  4. You officially become the owner!
  5. Celebrations + Champagne!

Contact us for more information or to start the process. Click on the online application to get started today!

3 Simple Steps — 24 Hour Approval

Easy Application

Private mortgage financing

1. Apply Online

Use the form on this page or call 1-888-708-5576 to speak to one of our representatives.

2. Get approved

Approved within 24 hours. Your home equity is the key to your approval. Get approved now!

3. Get your funding

We make it easy. Loan funds can be deposited directly into your bank account, once approved.

Did you know?

Richard Crothers, who recently immigrated from France in July 2022 with his spouse and 6 children, has become our Director of Business Development for the Breneka International division! Learn more about his inspiring story here!