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

Backed by CMHC

Choose Your Dream Home Now, Own It Later

Choose any home in your budget and start with as little as 2% down to move in. Live in your future home while we guide you to ownership in 3 years, just like Ingrid and Jose.

Featured in
CBC Logo
Betakit Logo
Financial Post Logo
Maclean's Logo in Black Font Color
Proptech Collective Logo
CBC LogoBetakit Logo
Financial Post Logo
Maclean's Logo in Black Font ColorProptech Collective Logo

Our track record speaks for itself

80%
of clients have successfully bought back their homes
100%
customer satisfaction
18
average months to buy back home
Backed by CMHC
Supported by the Canada Mortgage and Housing Corporation for added trust, and peace of mind on your path to homeownership.

Our simple 4-step process

Apply to Qualify
Find out your eligibility and home budget - it's free & won’t impact your credit!
Find Your Dream Home
You pick the home you would like us to purchase. We buy it for you!
Move In &
Save Up
Rent your dream home and start saving more of your down payment every month.
Buy Your Home or Walk Away
When you're mortgage-ready, buy back the home or walk away and cash out your savings.

How our rent-to-own program work?

Apply to Qualify
Find out your eligibility and home budget - it's free & won’t impact your credit!
Find Your Dream Home
You pick the home you would like us to purchase. We buy it for you!
Move In &
Save Up
Rent your dream home and start saving more of your down payment every month.
Buy Your Home or Walk Away
When you're mortgage-ready, buy back the home or walk away and cash out your savings.

All the ways Requity helps you

Move in today
Choose from any publicly listed homes for sale and move in as fast as one month
there are two arrows pointing in opposite directions on a black background
Your terms, your decision
Buyback the home or cash out your savings, its your call
piggy bank
Build your savings
Save a part of your rent towards your down payment one month at a time
credit score
Credit boost
Improve your credit score with each rent payment
a cartoon house with a dollar sign and a blue ball
Stress-free certainty
Your future buyback price is guaranteed from the start, no surprises!
a yellow trophy with a tick on it
Personalized coaching
Tailored one-on-one financial education unique to you to help you get mortgage-ready

Benefits of Rent-to-own

Choose Your Home

Browse homes for sale through our site, realtor.ca, or private listings—we’ll handle the purchase upfront on your behalf.

Flexible Purchase Timeline

Buy back the home anytime during the three-year term with no early purchase penalties.

Lock in Future Price

Future buyback price increases by just 5% per year. Benefit from additional appreciation if home value rises more.

Credit Boost

Rent-to-own improves your credit score with each rent payment.

Make It Your Own

Enjoy the flexibility to personalize your space and it's super pet friendly! Feel free to make your home your own.

Personalized Coaching

Receive tailored one-on-one financial education unique to you to help you get mortgage ready.

Get on the path to home ownership today!

Don’t see your location? Join our waitlist to get notified when Requity comes to your area!

Where do you want to live?
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Minimum
$ ? ? ?
down payment
Minimum
$ ? ? ?
household income
Minimum 500 credit score
Maximum 50% debt-to-income ratio
Not in an active consumer proposal or bankruptcy
No unpaid collections or defaulted debt with balance outstanding

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

Newcomers to Canada

It's hard to immigrate to a new country without any credit history. If you’re on a work/study permit, you’re eligible! That's where we can help.

Self-Employed Individuals

Most lenders require two years of income history for self-employed individuals. But there is a cost of waiting. We can help you bridge that gap.

People Rebuilding Credit or With Fair Credit Scores

We understand things happen. You may not have the perfect credit score today. We will work with you by providing a stepping stone.

Individuals with Low Savings

Saving for a down payment can be tough. You can start our program with as little as 2% down. Even better, we have a savings plan built in that will help you save more every month.

Individuals Going Through Life Changes

Whether you're on parental leave, going through a separation, or relocating, we're here to help you transition into your new home with confidence.

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
❮❯

Requity's Success Stories

Raquel went from maternity leave to homeownership in 2 years

“What an amazing feeling to be a homeowner and to know that everything you've worked for over the last two years is really coming to fruition.”
View More Success Stories
google review logo with stars and a black background

“ They were able to help us keep our home when traditional avenues weren’t working for us. “

a close up of a black and pink background with a pattern of wine bottles
Shelby F. moved in September 2023
Warman, Saskatchewan
View all Google reviews
google review logo with stars and a black background

“From our initial contact to get the process started through to completion, Amy and her team were 100% transparent in their requirements and expectations.”

a close up of a black and pink background with a pattern of wine bottles
Chad B. bought back the home in September 2023
Saskatoon, Saskatchewan
View all Google reviews

Our track record speaks for itself

80%
of clients have successfully bought back their homes
100%
customer satisfaction
18
average months to buy back home

Rent-to-Own Payment Calculator

Start
If the home price is
$
Requity Homes can only purchase homes between $150,000 - $600,000.
We’ll run the numbers and show you estimated monthly payments.
I want to start the program with an initial down payment of
$
= 2%
Initial deposit must be at least 2% of the home price
Minimum 2% of the home price or $5,000 whichever is higher
2 - 10% down payment based on risk profile
No Hidden Fees, No Hidden Costs - Requity pays legal fees, title insurance and land transfer tax when Requity buys the home upfront. Client pays for inspection.
Client initial deposit is applied directly to the down payment when clients are ready to buy the home.
Your Monthly Payment

$2,356

/month
The payment includes
Rent
Rent is rent and it won't be deducted from the buyback price.
$2,093
Rent is in-line with home carrying costs which include:
‍
• Est. Mortgage Costs
$1,420
• Est. Property Tax
$406
• Est. Insurance
$203
Monthly Savings
$293
Each month, $457 is set aside toward your homeownership goal in addition to your initial down payment.
Buyback
Here is the final price if I buy the house after:
Year 1
Buyback Price
Based on a 5% annual price increase
$289,406
Cumulative Down Payment
These payments will be credited toward the final buyback price.
$15,548
• Initial Deposit
$5,000
• Monthly Savings  x 12 months
$10,548
Year 2
Buyback Price
$289,406
Cumulative Down Payment
$15,548
• Initial Deposit
$5,000
• Monthly Savings x 24 months
$10,548
Year 3
Buyback Price
$289,406
Cumulative Down Payment
$15,548
• Initial Deposit
$5,000
• Monthly Savings x 36 months
$10,548
There is no minimum rental term. You can buy back the home anytime throughout the 3-year standard rent-to-own term!

Find your dream home today, stop renting and start owning!

View all available homes
Airdrie, AB
Beaumont, AB
Edmonton, AB
Grande Prairie, AB
Leduc, AB
Lethbridge, AB
Red Deer, AB
Sherwood Park, AB
Spruce Grove, AB
St. Albert, AB
Stony Plain, AB
Winnipeg, MB
North Bay, ON
Sault Ste. Marie, ON
Sudbury, ON
Sarnia, ON
Thunder Bay, ON
Regina, SK
Martensville, SK
Warman, SK
Saskatoon, SK

Don’t see your city?

Let us know by joining our waitlist

Compare Requity with
Other Homeownership Options

Requity makes homeownership easier. See how it compares to renting, other rent-to-own options, traditional mortgages and private lending —so you can choose what works for you.

Requity vs Renting
Requity vs Other Rent-to-Own
Requity vs Traditional Mortgage
Requity vs Private Lending
Feature
Traditional Renting
Requity (Rent-to-Own)
Path to Ownership
Right to buy at fixed price
Yes – buy in 3 years at a pre-set price
Home Choice
Limited rental options
Choose any home for sale
Upfront Cost
First & last + deposits
As low as 2% down
Monthly Payment
Rent only, no savings
Rent + down payment savings
Credit Coaching
No credit support
Credit reporting + coaching
Lease Security
Lease may not renew
Long-term security + sublet option
Equity Build-Up
No equity potential
Lock-in price, build equity
Feature
Other Rent-to-Own
Requity (Rent-to-Own)
Home Choice
Limited, pre-selected homes
Any listed home
Who Buys the Home?
Dependent on individual investors
Requity (with $25M funding)
Speed & Certainty
Slower, investor-dependent
Close in 14 days
Transaction Costs
Tenant pays upfront
Requity pays all costs*
Min. Down Payment
3–5% required
As low as 2%
Rent Reporting
Not provided
Reports to Equifax
Lease Flexibility
3-year minimum term
Buy anytime, no penalty
Port Down Payment
Not provided
Yes, to another home
Purchase Option
Lose everything
Yes, walk away with savings**
Track Record
Not applicable
CMHC-backed, proven model
*Requity pays all transaction costs upfront except inspection fee when Requity buys the home upfront
**Walk-away penalty fee is 5% of the original home price
Category
Traditional Mortgage
Requity Homes
Down Payment
5% + upfront
As low as 2%
Credit Requirements
Higher and stricter
Flexible
Employment
Must meet strict criteria
Accepts non-traditional income
Flexibility
25–30 year commitment
3-year lease, option to buy
Category
Private Lending
Requity Homes
Down Payment
20-35% down payment
As low as 2%
Ownership
You own home from day 1
Requity owns home until you buy
Flexibility
No flexibility—must sell or face foreclosure
3 year lease, option to buy or walk away
Interest
High (10% or more)
N/A (Requity is not a lender)

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.

Prefer to speak with our team in another language?

We speak English, Mandarin, Tagalog, Russian, Twi, Fante, and Hindi. Book a call and provide your information, including your preferred language.
Book a Call