How British Columbia House Partner's Rent-to-Own Program Works
Whether your clients are first‑time buyers, newcomers, or facing credit challenges, our structured rent‑to‑own program gives them a clear path to homeownership. Below is an expanded step-by-step guide to our process—designed to help you confidently refer clients and track their progress through our British Columbia-wide solution.
Apply to Pre-Qualify
Find out if you're eligible for our Rent to Own British Columbia program. It's completely free and won't affect your credit score. Get an instant idea of your home budget today. Clients complete a quick online application to verify their basic financials. We review income, employment, and savings — no credit check required. This gives your clients an accurate idea of how much home they can afford before they begin their search.
Get Full Approval
Submit supporting documents (like income and savings proof). Once verified, we'll issue your home shopping budget and guide you on the next steps. Once documents are submitted and verified, we provide a personalized approval package — including their maximum home purchase budget and timeline. This helps partners guide clients confidently, knowing exactly what's affordable and eligible.
Find Your Dream Home
Choose any move-in ready home — including condos, townhouses, or bungalows — listed publicly or privately. We help you navigate listings in Vancouver, Victoria, Kelowna, Kamloops, or any city in British Columbia. Clients are not limited to a fixed property list. We help them explore homes on the open market that align with their approval — from MLS listings to private sales — ensuring they find a home that suits their needs and lifestyle.
We Buy the Home
We purchase the home for you and cover all closing costs, including land transfer tax, legal fees, and inspections — saving you thousands upfront. British Columbia House Partners becomes the legal owner of the home and handles everything from contract negotiation to closing costs. This removes the financial burden from your clients and ensures a seamless handover without unexpected expenses.
Move In & Save Up
Move in immediately and start building your down payment savings each month. A portion of your rent goes toward your future home ownership. Clients live in the home while preparing for mortgage qualification. They build equity with every rent payment and receive regular support on improving credit, budgeting, and planning for a successful purchase at the end of the term.
Buy Your Home
Once you're mortgage-ready, buy back the home at a locked-in price. You'll officially become the owner — with no bidding wars or surprises. We lock in the purchase price from the beginning, protecting your client from market volatility. Once they qualify for a mortgage, they can buy the home with confidence — no competition, no rising prices, and full control of the timeline.