• March 09, 2016

ZERO DOWN

 
~Whether you know it as zero down, $0 down payment, no money down, 100% financing, zero down payment or no money down mortgage; our program helps first time home buyers and renters who do not have a down payment to purchase a home.
 
 

Homes For Sale

We help families become homeowners so that they can enjoy more Freedom, Security & Savings!

 
Two Canadas: Owners and rentersThere are two very different types of Canadian households in terms of income and wealth – and housing tenure represents the divide between the two. The gap between owners and renters, in terms of both income and wealth, has grown over the 15-year period. The quality of the housing and of the neighbourhoods they live in has also changed. Homeowners receive a tax subsidy to assist in their accumulation of household wealth. Capital gains from the sale of a principal residence are not taxed and first-time house buyers can use their tax-sheltered registered retirement savings as a down payment. There are no housing-related tax concessions for renters.” Source: Hulchanski, David (2001). A Tale of Two Canadas: Homeowners Getting Richer, Renters Getting Poorer. Toronto: Centre for Urban and Community Studies, Research Bulletin #2.
 
 
FREEDOM TO CHOOSE:
Personalize your private space as you see fit. Pets/no pets, smoking/no smoking, improvements, noise and privacy are some of the issues that you will be able to control.

SECURITY FOR YOUR FAMILY:
Protect your children from the threat of eviction, strangers who are constantly 'coming and going' and rent increases.

SAVINGS IN THE FORM OF EQUITY & APPRECIATION:
By paying a monthly mortgage instead of monthly rent you will increase your equity every month. Equity is like having your own personal ‘savings account’. It is the money that is created from the difference between the value of your home, (which is steadily increasing) and the constantly decreasing amount of your mortgage. This ‘savings account’ grows even faster as your property steadily increases in value over time. We call this powerful phenomenon Appreciation!
 
 
 

No Money Down Home Programs for Renters & First Time Home Buyers:

Homes For SaleHomes For Sale

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Our ideal clients are New Canadians, the Self Employed, Renters, First Time Home Buyers and the Newly divorced.
 
 

HOW DO I APPLY?

Step 1: Complete our online application. (Click HERE to apply)

Step 2: One of the mortgage agents in our network contact you and request a list of documentation that is required for a mortgage.

Once all of the required paperwork is submitted and if everything is satisfactory to our lenders, you will be provided with financing for your new home.

Step 3: One of the realtors in our network will use their knowledge and expertise to find you a home.

Contact us today to determine if you qualify for one of our down payment assistance programs (conditions apply).
 
CONTACT BUTTON GREY

 
 

The true cost of renting is higher than you think!

Zero Down Payment Program in AJAX: This month’s featured home's sale price = $342,000.
Your Ajax Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $1495.
Amount of EQUITY GAINED after 5 years = $48,594 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $1650.
Amount of RENT PAID after 5 years = $99,000 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE $99,000, you can GAIN over $48,000 by OWNING your own home.
 
(Resource: Wikipedia)
 
 
 
Zero Down Payment Program in Barrie: This month’s featured home's sale price = $209,900.
Your Barrie Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $917.
Amount of EQUITY GAINED after 5 years = $29,824 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $1100.
Amount of RENT PAID after 5 years = $66,000 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE $66,000, you can GAIN almost $30,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Belleville: This month’s featured home's sale price = $299,900.
Your Belleville Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $1311.
Amount of EQUITY GAINED after 5 years = $42,612 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $1085.
Amount of RENT PAID after 5 years = $65,100 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE almost $66,000, you can GAIN almost $43,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Brantford: This month’s featured home's sale price = $210,900.
Your Brantford Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $922.
Amount of EQUITY GAINED after 5 years = $29,967 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $980.
Amount of RENT PAID after 5 years = $58,800 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE almost $59,000, you can GAIN almost $30,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Burlington : This month’s featured home's sale price = $289,800.
Your Burlington Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $1266.
Amount of EQUITY GAINED after 5 years = $41,177 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $1450.
Amount of RENT PAID after 5 years = $87,000 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE $87,000, you can GAIN over $41,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Cambridge: This month’s featured home's sale price = $232,655.
Your Cambridge Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $1070.
Amount of EQUITY GAINED after 5 years = $34,797 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $990.
Amount of RENT PAID after 5 years = $59,400 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE over $59,000, you can GAIN almost $35,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Guelph: This month’s featured home's sale price = $209,900.
Your Guelph Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $917.
Amount of EQUITY GAINED after 5 years = $29,824 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $1500.
Amount of RENT PAID after 5 years = $90,000 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE $90,000, you will GAIN almost $30,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Hamilton: This month’s featured home's sale price = $259,900.
Your Hamilton Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $1136.
Amount of EQUITY GAINED after 5 years = $36,929 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $980.
Amount of RENT PAID after 5 years = $58,800 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE almost $60,000, you will GAIN almost $37,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Kingston: This month’s featured home's sale price = $305,000.
Your Kingston Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $1333.
Amount of EQUITY GAINED after 5 years = $43,337 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $1095.
Amount of RENT PAID after 5 years = $65,700 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE almost $66,000, you will GAIN almost $44,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Kitchener: This month’s featured home's sale price = $244,900.
Your Kitchener Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $1070.
Amount of EQUITY GAINED after 5 years = $34,797 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $990.
Amount of RENT PAID after 5 years = $59,400 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE almost $60,000, you can GAIN almost $35,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in London: This month’s featured home's sale price = $255,000.
Your London Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $1114.
Amount of EQUITY GAINED after 5 years = $36,232 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $965.
Amount of RENT PAID after 5 years = $57,900 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE almost $60,000, you can GAIN almost $37,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Markham: This month’s featured home's sale price = $349,900.
Your Markham Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $1529.
Amount of EQUITY GAINED after 5 years = $49,716 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $2265.
Amount of RENT PAID after 5 years = $135,900 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE almost $136,000, you can GAIN almost $50,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Mississauga: This month’s featured home's sale price = $244,900.
Your Mississauga Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $1070.
Amount of EQUITY GAINED after 5 years = $34,797 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $2000.
Amount of RENT PAID after 5 years = $120,000 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE $120,000, you can GAIN almost $35,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Oakville: This month’s featured home's sale price = $259,900.
Your Oakville Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $1136.
Amount of EQUITY GAINED after 5 years = $36,929 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $1699.
Amount of RENT PAID after 5 years = $101,940 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE almost $102,000, you can GAIN almost $37,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program Oshawa: This month’s featured home's sale price = $224,898.
Your Oshawa Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $983.
Amount of EQUITY GAINED after 5 years = $31,955 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $1030.
Amount of RENT PAID after 5 years = $61,800 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE almost $62,000, you can GAIN almost $32,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Ottawa: This month’s featured home's sale price = $184,900.
Your Ottawa Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $808.
Amount of EQUITY GAINED after 5 years = $26,271 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $1140.
Amount of RENT PAID after 5 years = $68,400 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE almost $69,000, you can GAIN almost $27,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Sudbury: This month’s featured home's sale price = $86,500.
Your Sudbury Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $378.
Amount of EQUITY GAINED after 5 years = $12,291 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $950.
Amount of RENT PAID after 5 years = $57,000 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE $57,000, you can GAIN over $12,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Toronto: This month’s featured home's sale price = $549,000.
Your Toronto Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $2399.
Amount of EQUITY GAINED after 5 years = $78,006 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $1260.
Amount of RENT PAID after 5 years = $75,600 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE over $76,000, you can GAIN over $78,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Trenton: This month’s featured home's sale price = $148,800.
Your Trenton Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $650.
Amount of EQUITY GAINED after 5 years = $21,142 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $975.
Amount of RENT PAID after 5 years = $58,500 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE over $59,000, you can GAIN over $21,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Vaughan: This month’s featured home's sale price = $499,000.
Your Vaughan Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $2181.
Amount of EQUITY GAINED after 5 years = $70,902 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $2585.
Amount of RENT PAID after 5 years = $155,100 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE over $155,000, you can GAIN almost $71,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Waterloo: This month’s featured home's sale price = $199,995.
Your Waterloo Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $874.
Amount of EQUITY GAINED after 5 years = $28,417 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $990.
Amount of RENT PAID after 5 years = $59,400 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE almost $60,000, you can GAIN almost $30,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Whitby: This month’s featured home's sale price = $260,000.
Your Whitby Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $1136.
Amount of EQUITY GAINED after 5 years = $36,942 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $1299.
Amount of RENT PAID after 5 years = $77,940 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE almost $78,000, you will GAIN almost $37,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in Windsor: This month’s featured home's sale price = $99,900.
Your Windsor Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $437.
Amount of EQUITY GAINED after 5 years = $14,195 (This is the amount of the mortgage that is paid down if you decide to purchase).
 
A 3 bedroom Home's Average Market Rent = $815.
Amount of RENT PAID after 5 years = $48,900 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE almost $49,000, you can GAIN over $14,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

Zero Down Payment Program in WOODSTOCK: This month’s featured home's sale price = $147,100.
Your Woodstock Home's Monthly Mortgage (5 year fixed, 2.74% interest rate, 5% down payment) = $643.
Amount of EQUITY GAINED after 5 years = $20,900 (This is the amount of the mortgage that is paid down if you decide to purchase).

A 3 bedroom Home's Average Market Rent = $1150.
Amount of RENT PAID after 5 years = $69,000 (If you decide not to buy and continue to rent).
 
Therefore, not only can you SAVE $69,000, you can GAIN almost $21,000 by OWNING your own home.
 
(Resource: Wikipedia)

 
 
 

 
 

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“A house is made of walls and beams; a home is built with love & dreams”.

Dr. William A Ward