Stop paying
your landlord's mortgage.
If your rent is already a mortgage payment, you're paying off someone else's house. Own with $0 down, no fees, and a broker who shops every lender — not a bank that pushes one product.
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- No fees, ever
- Licensed Alberta brokers
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This helps us understand where you're at so we can match you with the right options.
What's your down payment situation?
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We never pull your credit for this estimate. Your information is never shared or sold. For more information, please refer to our Privacy Policy.
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The Skip the Down Payment program — and any mortgage with less than 20% down — requires solid credit history. Here's what good credit looks like and how to build it.
If you don't have any credit history yet, start with secured Visas from Scotia Bank and Home Trust — they're easier to approve for and a great first step. You can track your score for free at www.equifax.ca.
Down payment ranges and what credit you'll need
- 0–4% down: excellent credit, score above 680
- 5–9% down: score of 620+, no late payments or collections in the last 2 years
- 10–19% down: score of 580+, no recent late payments or collections
- 20%+ down: multiple lenders available depending on your interest rate tolerance
Tips to bump up your credit score
- If you've missed payments, try to open or maintain three credit accounts with perfect repayment going forward. (Student loans don't count.)
- Re-establishing payment history typically takes:
- ~12 months for one missed payment
- 2–3 years for 60- or 90-day late payments
- 3+ years for written-off debts (excluding minor collections like cell phone bills)
- Consumer proposals and orderly payment of debt are treated like a bankruptcy for mortgage purposes — wait times are significantly longer.
- Keep credit utilization low. Utilization is the ratio of balance to total credit limit. 30% or under is ideal.
- If you plan to purchase a home within 24 months, do not finance a vehicle purchase — the high utilization of that debt will reduce your score and your mortgage approval chances.
Why closing cards can hurt you
Say you have these accounts:
| Account | Limit | Balance |
|---|---|---|
| Credit Card A | $15,000 | $0 |
| Credit Card B | $10,000 | $0 |
| Credit Card C | $5,000 | $4,000 |
| Loan (orig. $20,000) | $20,000 | $17,000 |
Total utilization: $21,000 balance ÷ $50,000 total limit = 42% — that's healthy.
Now close Cards A and B (because you don't use them). New utilization: $21,000 ÷ $25,000 = 84% — that's bad. Your credit score could drop 50 points overnight.
Every month of rent is a month of equity you'll never get back.
If you're paying $1,800/month in rent, that's $21,600 a year — gone. Over a typical five-year lease cycle, that's $108,000 you've handed your landlord. Money you'll never see again.
A mortgage payment of the same amount is different math. The interest portion is a cost. The principal portion is forced savings — you're paying yourself, building equity in something you own. And unlike rent, that monthly amount doesn't go up every year at lease renewal.
The single biggest reason renters stay renters is the down payment hurdle. That's exactly what this program removes. Zero saved. No problem. Buy now, build equity from day one, and stop subsidizing your landlord's mortgage.
Three steps to a quote
Qualification check
Our calculator gives an instant indication of eligibility — based on credit, income, and timing.
Program selection
We pick the insurer + lender combination most likely to approve your specific file. This is the broker advantage.
Closing
Funding usually 30-45 days after offer acceptance. The program structure means $0 of down-payment money out of pocket.
What you get with $0 down
Stop the rent treadmill
Every dollar of rent goes to your landlord. Every dollar of mortgage principal builds your net worth. Same monthly cost, opposite outcome.
Buy when you're ready, not when you've saved
Waiting until you've saved a down payment can mean years of rising prices outrunning your savings rate. Don't wait — start building equity now.
No fees, ever
We're a licensed brokerage paid by the lender, not by you. You owe us nothing — no application fee, no processing fee, no commission out of your pocket.
Full federal protections
Insured zero-down mortgages come with the same federal regulatory oversight as any other Canadian mortgage — same protections, same recourse, same standards.
Real Canadians. Real results.
Backed by lenders you trust
We work with major Canadian banks, credit unions, and monoline lenders to find the right fit for your situation.
Logos shown are property of their respective owners and represent lenders we work with. Final lender selection depends on your individual qualification.