How our rent-to-own
program works?

At Quebec House Partners we help people access rent to own homes in Quebec that are move-in ready and ideal for buyers with bad credit, no credit, or low down payment.

We work with properties that meet the following criteria for our rent to own programs in Montreal, Quebec City, Laval, Gatineau and beyond:

• Condition: Homes must be livable and in move-in ready condition.
• Type: We support only freehold single-family homes — no modular, leasehold, or co-op housing.
• Location: We currently offer rent to own homes in major Quebec cities such as Montreal, Quebec City, Laval, Gatineau, and more.
• Exclusions: We do not work with rural homes, condos, or any properties without municipal water and sewage.
• Price Range: Our rent to own listings in Quebec typically fall between $150,000 and $600,000.

Once you're pre-qualified, you can start exploring rent to own home listings in Quebec through our local real estate partners or your own licensed agent.

At Quebec House Partners we help people access rent to own homes in Quebec that are move-in ready and ideal for buyers with bad credit, no credit, or low down payment.

Your rent to own down payment can come from cash savings, RRSP withdrawals, investments, or other liquid assets. It secures your place in the rent to own program in Quebec and gives you the exclusive right to buy the home later.

Our team will help you create a low down payment rent to own plan that works — whether you're a first time home buyer, have bad credit, or are looking for no bank financing options in Quebec.

At Quebec House Partners, your monthly rent to own home payment in Quebec is based on three key factors:

• The value of the rent to own home you choose
• Your initial down payment (starting from 2% to 10%)
• The monthly savings amount you contribute toward your future home purchase

Step 1: Initial Deposit – Before You Move In

You’ll begin with a one-time upfront deposit — typically $5,000 or 2% to 10% of the home's price — which is credited toward your rent to own home purchase in Quebec.

Step 2: Monthly Rent + Savings – After You Move In

Your monthly rent to own payment includes:

• Standard rental amount
• Monthly savings portion based on your target down payment
• The monthly savings amount you contribute toward your future home purchase

This total is calculated based on your home price, deposit, and how much you want saved by the end of your lease. You can also use our upcoming rent to own affordability calculator Quebec to estimate your monthly payments and build a plan that works for your budget.

At Quebec House Partners, our rent to own program in Quebec (also called lease to own) lets you move into your future home today while saving toward a down payment. We purchase the home for you, and you rent it while building equity. Later, you buy the home at a pre-agreed price — even with bad credit, no bank approval, or low income.

Step 1: Pre-Qualification

Apply online to see if you qualify for our rent to own homes in Quebec. It’s fast, free, and won’t affect your credit score.

Step 2: Find Your Home

Work with our real estate partners to choose a move-in ready home that meets the requirements of our rent to own program in Montreal, Quebec City, Laval, Gatineau and other Quebec cities

Step 3: Move In & Save

Live in the home while making monthly rent to own payments, which include both rent and monthly savings toward your down payment.

Step 4: Buy or Walk Away

When you’re mortgage-ready, buy the home at the locked-in price. Or, if you choose not to buy, walk away and keep your accumulated savings (terms apply).

To qualify for the rent to own program in Quebec through Quebec House Partners, you’ll need to show that you can afford your monthly rent to own payments. Requirements vary based on your income source:

For Traditional Employment (Hourly, Salary, or Commission)

To apply for rent to own homes in Montreal, Quebec City, Laval, Gatineau or other Quebec cities as a full-time employee, you’ll need:

• Employment letter
• Recent pay stubs
• Notices of assessment (last 2 years)
• Bank statements (past 6 months)

For Self-Employed Applicants

• T1 personal tax returns
• T2 corporate returns (if applicable)
• Notices of assessment (last 2 years)
• Business and personal bank statements (past 12 months)

For Pension or Disability Income Applicants

• Proof that benefits will continue for at least 3 more years

For Alimony or Child Support as Income

• Documents showing consistent payments for at least 6 months

We review these documents to make sure you meet our income and affordability criteria for rent to own homes in Quebec, and then match you with a plan that fits your financial profile — even if you're a first time home buyer with bad credit or no mortgage pre-approval.

There is no interest rate applied during your rent to own lease term with Quebec House Partners, because we are not a mortgage lender. Your monthly rent to own payments in Quebec are fixed — including your rent amount and monthly down payment savings — with no interest charged throughout the lease.

When you're ready to purchase your home at the end of your lease, you’ll typically apply for a traditional mortgage from a Quebec financial institution, where standard mortgage interest rates will then apply.

We’ll help guide you through this transition and connect you with mortgage brokers in Quebec to secure the best rate when you're ready to buy your rent to own home.