No Canadian Credit History?
Your Financial Discipline Counts Here.
You paid every bill on time in your home country.
You have a good job here in Canada.
But the bank says "no" because you have no Canadian credit score.
We understand. There is another path to homeownership.
You Moved to Canada for a Better Life.
Don't Let Credit Scores Hold You Back.
You satisfy every other requirement: You have a good job. You save money every month. You never missed a bill payment in your life.
But when you apply for a mortgage, the bank's algorithm sees only one thing: "No Canadian credit history."
It feels unfair. Your hard work doesn't count. Your years of responsible money management are invisible.
You are not alone. Thousands of newcomers face this same "Credit Catch-22".
The Real Problem
Canadian banks cannot access your credit history from your home country. Even if you had perfect credit for 20 years abroad — they see nothing.
The Cost of Waiting:
Building Canadian credit from zero takes 2-3 years. Meanwhile, rent keeps going up. Home prices keep rising. If you wait, you lose purchasing power.
A Bridge to Homeownership
Rent-to-own is a strategic bridge that lets you buy your home today — even without Canadian credit history.
1. Choose Your Home
You pick a home you love. Any home for sale in our approved areas. You choose it, we verify it.
2. Move In Now
An investor buys the home with you. You move in immediately. Your family gets settled.
3. Build Credit
Every monthly payment is reported to credit bureaus. Your Canadian credit score grows automatically.
4. Buy Your Home
In 2-4 years, you qualify for a traditional mortgage and buy the home back using your accumulated savings.
The home is yours. You did it.
Why Families Trust Clover Properties
"Is this safe? Is someone trying to take advantage of me?"
These are smart questions. Here is why over 900 families trusted us:
Verified Business
BBB A+ Rating
Accredited since 2017.
Media Recognition
As Seen On
Globe and Mail, CBC, Global News, Financial Post.
90% Success Rate
Industry Leader
Industry average is 50%. We only accept those who can win.
Lawyer Required
Your Protection
We require independent legal review. We insist on it.
No Hidden Fees
Transparent
No application fees. No 'sitting' fees. Full disclosure.
We Were Newcomers Too
"My family immigrated to Canada from Ukraine when I was 9 years old.
We rented for many years. My parents worked hard, saved money, and dreamed of owning a home. I remember that feeling — wanting stability, wanting a place that was truly ours.
That experience shaped my life's mission: to help families like mine achieve homeownership, even when traditional banks say no.
In 15 years, my husband Neil and I have helped nearly 1,000 families become homeowners. Many were newcomers, just like my family was."
Rachel Oliver
Co-Founder & "Rent-to-Own Queen"
Author • Amazon Best-Seller • Speaker
Families Unlike Yours
(They started where you are. Now they own.)
We had no Canadian credit. Neil explained exactly how the program worked and what to expect. Now my family has a place we can call home.
When you are looking to get into home ownership but may not have the credit history, the team at Clover has problem solvers. They are changing families' lives, one home at a time.
They helped my family access our dream — to have a place to call home. The whole team is helpful, supportive, and honest.
Do You Qualify?
You are a good fit if:
- You have a job with steady income ($80,000+ household – area dependant as your income determines your affordability like a bank)
- You have savings of $20,000 (works for properties up to $550,000). 5% or more for a down payment on properties over $550,000.
- You want to own a home in Ontario or Alberta
- You are committed to building your credit over 2-4 years
- You have consistent, reliable employment
- You can make monthly payments on time, every time
✅ Important:
Your credit score does NOT matter.
Your time in Canada does NOT matter.
To be honest with you:
We cannot help everyone. We only accept families who have a realistic path to mortgage approval in 2-4 years.
This program is NOT right if:
- Your income is unstable or very low
- You cannot save at least $20,000 for down payment
- You are not ready to commit to 2-4 years in one home
We would rather say "no" now than set you up to fail later.
Your Questions, Answered Honestly
What Happens Next?
Free Check
Fill out a short form. 2 minutes. No cost. No obligation.
Conversation
If you qualify, we call you to answer all questions clearly.
Find Home
Choose a home you love. We help you search, completely free.
Move In
We buy it. You move in. Start building your new life.
Newcomer's Path to Canadian Homeownership
- How Canadian credit scores work
- Timeline: Zero credit to mortgage-ready
- Visa and PR requirements explained
- Warning signs of rent-to-own scams
Download Your Free Guide
Download the Guide NowYour New Life in Canada Includes a Home That Is Yours.
900+ families started where you are now.
Today, they are homeowners. Your story can be next.
Our Transparency Commitment
We believe you should know exactly what you're getting into—before you sign anything.
✓ BBB A+ Accredited
Since 2017. Check our rating yourself.
✓ Independent Legal Review
We strongly recommend you to have your own lawyer review all contracts. Non-negotiable.
✓ No Application Fees
We don't charge to review your application.
✓ No Sitting Fees
There are no ongoing fees beyond your rent.
✓ Credit Bureau Reporting
Your on-time payments are reported, building your credit history.