Get approved in 24 hours! Serving Ontario, Alberta, Saskatchewan, and Manitoba.

Rent to Own Sarnia, ON

Your Path to Buying a Home in Sarnia, Ontario

Whether you're building credit, self-employed, or going through a major transition, Requity Homes helps make homeownership possible in the city of Sarnia. Move in now and buy later with our flexible rent-to-own program.
Get Pre-Qualified
Ingrid and Augusto Saskatoon
Kate Sault Ste Marie
Tarek and his family Edmonton
Chukwudi Sault Ste Marie
Kim & Anderson Edmonton
Craig Saskatoon
Featured in
CBC Logo
Betakit Logo
Maclean's Logo in Black Font Color
Proptech Collective Logo

How does rent-to-own work in Sarnia?

Apply to Qualify
Check your eligibility and budget - it’s fast, free, and won’t impact your credit.
Pick the Home You Want
You choose a single-family home or townhouse in Sarnia, and we’ll buy it for you.
Move In &
Save Up
Live in the home while building up your down payment each month.
Buy or Walk Away
Purchase your home when you're ready or walk away with your savings.

Benefits of renting-to-own in Sarnia

Choose Your Home

Find homes for sale in Sarnia on realtor.ca, or through private listings—we’ll handle the purchase upfront on your behalf.

Flexible Purchase Timeline

You can buy back the home at any time within three years, with no penalty for buying early.

Lock in Future Price

The future purchase price only increases 5% annually, any extra market appreciation is yours.

Credit Boost

Each rent payment helps build your credit score, improving your mortgage readiness.

Make It Your Own

Paint the walls, bring your pets, and settle in. It’s your home from day one.

Personalized Coaching

We provide personalized financial coaching to help you get mortgage-ready.

Do you qualify for rent-to-own in Sarnia?

$70,000+
Household Income
A co-applicant can be added to boost your household income.
500+
Credit Score
With no unpaid collections or debt in default.
2%
Down Payment
Down payment required ranges from 2-10% of the home price depending on your risk profile.

Who's a great fit for rent-to-own programs?

New to Canada

No credit history? No problem. We work with newcomers on work or study permits.

Self-Employed & Entrepreneurs

Most lenders need two years of income history. We help you bridge that gap.

Individuals with Fair Scores or Rebuilding Credit

Don’t let your current score hold you back, we’ll work with you.

Individuals with Low Savings

Start with as little as 2% down and save toward a mortgage-ready future.

Individuals Going Through Life Transitions

If you're moving to Sarnia, separating, or on parental leave, we’re here to help you transition.

Rent-to-own testimonials

Requity Homes is trusted by families across Canada

Amy and her team worked hard and seamlessly to get us into our home! We can't thank her enough!”
Maria S.
Thunder Bay
google review logo with stars and a black background
If you are a newcomer in Canada and want to buy a home in the future but want to secure it early, look no other than Requity. We got our home within 2 weeks and never been happier.”
Tarek C.
Edmonton
google review logo with stars and a black background
Really great company, we are getting our first home with the help of Requity Homes and could not be more excited and happy. I recommend to anyone looking to get there forever home.”
Amber U.
Moose Jaw
google review logo with stars and a black background

Rent-to-own success stories in Ontario

Raquel
From maternity leave to a Sault Ste. Marie homeowner in 24 months.
Sault Ste. Marie
Jose & Maria
Newcomers turn homeowners within just 2 years of migrating to North Ontario.
Sault Ste. Marie
Amanda & Brad
Business owners who overcome mortgage challenges of entering homeownership in Sault Ste. Marie.
Sault Ste. Marie
Faustina & Anastacia
These sisters and their family faced challenges securing a mortgage due to part-time employment and their parent's overseas income.
Sault Ste. Marie
Ingrid & Jose
Newcomers Ingrid & Jose from Saskatoon set a new record and bought back their home in 8 months.
Saskatoon
Catherine
From Student to Homeowner: A Dream Realized.
Sault Ste. Marie
Ilona
From Ukraine to Home Sweet Home: A Family's 3-Month Journey.
Sault Ste. Marie
❮❯

Which Sarnia houses are eligible for rent-to-own?

We support a wide variety of homes in Sarnia that are move-in ready. We typically work with single-family homes and townhouses listed between $150,000 and $600,000 on realtor.ca or through private sellers.

The listings shown below are examples of what might qualify. We only work with homes connected to municipal water and sewer systems. Condos and mobile homes are not eligible.

Sarnia rent-to-own calculator

Get a personalized home shopping budget and see how your rent and savings break down each month. Takes only 5 minutes, with zero impact on your credit score.

If the home price is

Requity Homes can only purchase homes between $150,000 - $600,000.

I want to

These payments will be credited  toward the final buyback price.
check
We cover property tax and landlord insurance during the rent-to-own term.
check
We pay transaction costs, including legal fees and title insurance, when we buy the home upfront.
Initial Deposit
$5,000
+
Cumulative Monthly Savings
$10,548
=
Cumulative Down Payment
$15,548

Initial Deposit*

$5000

Start
The initial deposit represents a
0
% down, giving you entry into homeownership with a minimal upfront investment.
* 2-10% down payment based on risk profile

Monthly Payment

Rent
Your monthly payment of
0
includes both rent and saving toward the down payment. We will pay for property tax and landlord insurance too.
Rent
$2,093
Savings
$263

Buyback Price*

Year 1
$262,500
Year 2
$275,625
Year 3
$289,406
Buy
Buyback Price: The buyback prices listed above provide price certainty with a 5% annual increase structure.
* Based on a 5% annual price increase
These payments will be credited  toward the final buyback price.
check
We cover property tax and landlord insurance during the rent-to-own term.
check
We pay transaction costs, including legal fees and title insurance, when we buy the home upfront.
Initial Deposit
$5,000
+
Cumulative Monthly Savings
$10,548
=
Cumulative Down Payment
$15,548

Frequently asked questions (FAQs) about rent-to-own

There are many misconceptions for a program like ours. We’re here to change them.

What kind of homes do you have?
Is there a down payment required for rent-to-own?
How much is monthly payment?
How does the pricing work?
How does rent-to-own work?
What are the requirements for rent-to-own?
What is the interest rate?
Show more FAQs

Have other questions or want to learn more? We’d love to book a call a with you.

Ready to rent-to-own in Sarnia?

See if you qualify in just a few minutes. No impact on your credit score. Start your path to owning a home in Sarnia with Requity Homes.
Prequalifying does not impact your credit score.