Get approved in just 2 days guaranteed! Serving Ontario, Alberta, Saskatchewan, and Manitoba. Stay tuned for our upcoming expansion!

How our rent-to-own program works?

Step 1
Apply to pre-qualify
Find out your eligibility and home budget - it's free & won’t impact your credit!
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Find out your eligibility and home budget - it's free & won’t impact your credit!
Step 2
Get full approval
Submit documents to verify your application & get fully approved with a home shopping budget.
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Submit documents to verify your application & get fully approved with a home shopping budget.
Step 3
Find your dream home
You pick the home you would like us to purchase. We buy it for you!
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You pick the home you would like us to purchase. We buy it for you!
Step 4
We buy the home
We buy the home & pay for closing costs including land transfer tax & lawyers fees.
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We buy the home & pay for closing costs including land transfer tax & lawyers fees.
Step 5
Move in & save up
Rent your dream home and start saving more of your down payment every month.
Rent your dream home and start saving more of your down payment every month.
Step 6
Buy your home
When you're mortgage-ready, buy back the home or walk away and cash out your savings.
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When you're mortgage-ready, buy back the home at a guaranteed price.

Let’s do the math for you

Discover your personalized home shopping budget by getting prequalified in just 5 minutes – no impact on your credit score! Use our calculator to learn more about how our monthly payments work!

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If the home price is

Requity Homes can only purchase homes between $150,000 - $600,000.
Start
Initial Deposit
$5,000
2 - 10% down payment based on risk profile
Rent
Monthly Payment
$2,356
Rent
$2,093
Savings
$293
Buy
Buyback Price
Year 1
$262,500
Year 2
$275,625
Year 3
$289,406
Based on a 5% annual price increase
These payments will be credited toward the final buyback price.
Initial Deposit
$5,000
Cumulative Monthly Savings
$10,548
equal sign
Cumulative Down Payment
$15,548
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We cover property tax and landlord insurance during the rent-to-own term.
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We pay all transaction costs, including legal fees and title insurance, when we buy the home upfront.

Why Requity Homes?

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Quality rental homes
you can own
Requity expands home ownership options by converting for-sale homes into rent-to-own properties. Explore your future home now, with the option to purchase later.
credit score
Building beyond
fair credit
With Requity, a fair credit score is just the beginning. Our program fosters financial improvement alongside stable housing, guiding you towards better credit and home ownership readiness.
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New beginnings
For newcomers without local credit history, Requity offers a welcoming path to home ownership, focusing on your potential beyond credit scores.
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Income flexibility
Requity supports self-employed and gig workers on their home ownership journey, without strict income history requirements. Your employment type won't hinder your path to owning a home.
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Guaranteed stability
With Requity, say goodbye to rental uncertainty. Our program provides stability, ensuring your home won't be sold suddenly or lease terminated unexpectedly.

Get on the path to home ownership today!

Where do you want to live?
Thank you! Your submission has been received!
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Minimum
$ ? ? ?
down payment
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Minimum
$ ? ? ?
household income
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Minimum 500 credit score
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Maximum 50% debt-to-income ratio
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Not in an active consumer proposal or bankruptcy

FAQ

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Your home ownership begins here.

How it Works

A program to help people like you

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Steps to owning
1

Application for pre-approval

Fill in our pre-qualification form online in just 2 minutes - it's free and will not impact your credit score.
2

Get approved for a home budget

Get fully approved with a recommended home shopping budget.
3

Find your dream home

Work with our partner realtor or your own to find your dream home from realtor.ca. Pick any home for sale on the market.
4

We buy the home

We buy the home and pay for closing costs including land transfer tax and lawyer fees.
5

Move in and save up

Rent your dream home and start saving more of your down payment every month.
6

Buy back the home

When you are mortgage-ready, buy back the home with your savings or move out and cash out your savings.

Discover your monthly payment

City
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Please enter a city name
Purchase price
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Home value most be between $150k and $600k
Current savings
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Savings must be at least $X,XXX for this home price
How much down payment do you save toward the end of the term?
Down payment goal cannot be less than current savings
How long will you be renting?
Estimated Payment
$0 / month
Rent
$--
Savings
$--
Cumulative savings after X years
$--
Future Home Buyback Price
$--
Apply now
This tool is intended for informational purposes only and not as an offer of service from Requity. Nothing on this page shall be construed to constitute fees, terms, a guarantee or any other service. Qualification is at the discretion of Requity.
Top questions
Who qualifies for Requity Homes?
Generally, we require a minimum credit score of 500, an annual income of $50,000 and $5,000 savings.
What homes are eligible?
You can pick almost any homes listed for sale publicly and privately. Generally we buy freehold move-in ready homes (check here for a list of a few exceptions).
How does Requity Homes make money?
We make money from your rent and the price appreciation. Keep in mind, we will pay for land transfer taxes, lawyer fees and other closing costs when we purchase the home for you.