Rent to Own

Rent-to-own programs allow you to rent a home with the option to buy it later. A portion of your monthly rent goes toward building a future down payment

Solutions Beyond Traditional Banks

How rent-to-own works:

1. Find and Secure a Home
You choose a property you want to live in. A rent-to-own company or investor purchases the home on your behalf and sets a future purchase price with you.

2. Sign a Rent-to-Own Agreement
You sign an agreement that includes the rent amount, the future purchase price, and the length of the program (usually 2–5 years). This gives you the option to buy the home later.

3. Monthly Rent with Savings Component
Each month, you pay rent. A portion of this rent is set aside and credited toward your future down payment. This helps you build savings while living in the home.

4. Purchase the Home
At the end of the term, you use your saved down payment and apply for a mortgage to buy the property. If approved, the home becomes fully yours.

5. Improve Your Financial Profile
During the program, you work on improving your credit, paying down debt, and increasing your income.

Advantages of Working with Private or Alternative Lenders

First-time homebuyers

Self-employed or commission-based earn

People with low or bruised credit

Newcomers to Canada

Buyers who need time to save for a down payment

A Path Back to Financial Stability

Why Choose CENTUM Indigo Mortgage Corp. for Rent to own

Choosing CENTUM for a rent-to-own mortgage means you get expert guidance and a structured path toward homeownership. CENTUM professionals help you find the right program, set realistic financial goals, and connect you with trusted rent-to-own partners. Instead of navigating the process alone, you receive personalized support to improve your credit, build your down payment, and prepare to qualify for a traditional mortgage in the future. This approach ensures transparency, flexibility, and a clear plan to help you move from renting to owning with confidence.