For Families
Can't get a mortgage today? That doesn't mean you have to wait years to own your home. If you have stable income but you're rebuilding credit or still saving, Stepping Stone could be your path in.
Tell us a little about your situation. It takes about a minute, there's no cost, and no obligation.
Prefer to talk it through? A real person will walk you through it.
Get into your home today instead of waiting years for the bank to say yes.
A personalized credit and savings plan, with real support to keep you on track.
Your buyout price is set up front, so you know exactly what you're working toward.
A realistic 2 to 5 year plan that ends with you owning the home, not starting over.
Simple · Transparent · Supported
Three steps from "the bank said not yet" to owning your home, with coaching and a clear timeline the whole way.
Reach out directly, or through your mortgage professional. We review your situation and map a realistic path to mortgage approval, usually within 2 to 5 years.
You pick a home with a licensed realtor, within your approved parameters. Rent Live Own purchases it, and you move in with as little as 4% down.
You follow a personalized credit and savings plan with coaching along the way. When you're mortgage-ready, you buy the home at your pre-set price.
Who It's For
Stepping Stone is built for people who are close to mortgage-ready and committed to getting there. If this sounds like you, let's talk.
Building a Canadian credit history, or working toward permanent residency, and not quite ready for a traditional mortgage yet.
A few financial setbacks on your record, but stable income now and a clear plan to get mortgage-ready.
Verifiable income that doesn't fit the bank's box yet. We work with your real numbers and a realistic timeline.
You can handle the monthly cost of owning, you just need more time to save the full down payment.
In the final stretch of a consumer proposal or recovering from bankruptcy, and ready to move forward.
Stable, motivated, and done paying someone else's mortgage. You want to put that money toward your own home.
Why It Works
Settle in, make it yours, and put down roots while you work toward owning it. No moving twice.
A realistic 2 to 5 year roadmap to mortgage approval, with milestones you can actually see.
Credit and budgeting support along the way, so you're not figuring it out alone.
Your purchase price is set up front, so you know exactly what you're working toward.
What It Looks Like
A rough idea of the monthly cost of being in your home, so you can picture it. These are examples only, not a quote or approval.
| Home price | Your starting deposit (4%) | Estimated monthly cost |
|---|---|---|
| $300,000 | $12,000 | $2,225 |
| $400,000 | $16,000 | $2,750 |
| $500,000 | $20,000 | $3,325 |
| $600,000 | $24,000 | $3,900 |
| $700,000 | $28,000 | $4,500 |
For illustrative purposes only. Estimates assume a 5% mortgage rate and include property taxes and home insurance. Actual amounts vary by property, taxes, insurance, and region. This is not an offer, quote, or approval.
✎ Application connects here on launch. The whole site is wired to one config value (apply_form_embed / apply_form_url). Send me the high-level tenant-buyer application link (the one that drops into your CRM) and I'll embed it right here and across the site. Suggested first-touch fields:
