Two women smiling, one with long black hair and blue eyes, the other with short black hair and brown eyes, holding a black folder with a white monogram.
Black and white stamp-style graphic with the words 'Cover Properties,' 'Rent to Own Smart,' 'Real Estate Agent,' and a decorative star in the center.

Rent-to-Own homes in Ontario a path to ownership when traditional mortgages aren’t an option.

With only 5% down payment, move in now and work towards home ownership in Ontario. Robyn and Cheryl, through a guided Rent to Own program walk you through every step, from approval to purchase, so you stay confident, supported and in control.

Rent-to-Own after Divorce, Separation or Life Changes.

Credit Coaching

Improve or rebuild your credit with expert support so you can qualify for a mortgage by lease end.

Financial Planning

Partner with trusted advisors to build a savings plan, set your budget, and track your progress.

Legal Support

Review paperwork with real estate lawyers who explain your rights and protect your interests.

Real Estate Process

Get matched with a home that fits your lifestyle, goals, and designed for long term homeownership, not just today’s needs.

Purchase Readiness

When you're ready to buy, we guide you through each step for a smooth, simple transition.

Full Concierge Service

From consultation to moving day, Robyn and Cheryl provide support throughout the process.

Rent-to-Own Solutions, Life, Transitions and Credit Challenges in Ontario.

Frequently Asked Questions

What is a Rent-to-Own program, and how does it work in Ontario?

Rent-to-Own is a pathway to homeownership where you rent a home which you will own in 2-4 years. Part of your rent goes toward your future down payment, and you can lock in a purchase price upfront. Robyn and Cheryl as your trusted Rent to Own advisors guide you through approval, property selection, lease terms and purchase.

Who is Rent-to-Own best suited for?

This option is ideal for those rebuilding after financial hardship, recently divorced and can’t quality for a mortgage, new to Ontario, or self-employed. If you have steady income and at least 5% saved, but not enough for a full down payment, Rent-to-Own can be your next smart move.

How much money do I need upfront for Rent-to-Own?

Our Rent-to-Own program only requires a 5% down payment, with no lender or broker fees. Closing costs and legal fees, which can run over $10,000 on a typical home purchase, are included in the program, so there are no surprise costs sprung on you later. It's built to get you into a home with far less upfront than a traditional purchase requires.

Have more questions?

Rent-to-Own can be a big decision, we’re here to make it easier.

Not sure if it’s the right fit?

Send us a quick note and we’ll walk you through your options.

Stamp-style graphic with the text 'Clover Properties', 'Rent to Own Smart', 'Real Estate Agent', and a clover symbol, indicating real estate services.

Blogs

Real Estate Guidance for Life’s Biggest Transitions.

Taking you from Stress to Success!

Two smiling women with dark hair standing close together, one holding a black clutch with a white logo, against a simple background.