We’ve been helping buyers like you for over a decade through seller financing and rent-to-own agreements that are safe and transparent. Our 3-5 year terms provide plenty of time to rebuild your credit, even if you’re currently dealing with a consumer proposal or bankruptcy. Plus, we’ll connect you with a trusted mortgage broker and credit counsellor to create a custom game plan tailored to your success. With us, you’ll have an honest team supporting you every step of the way.

It’s rare, but if something unexpected happens and you can’t qualify by the end of the term, don’t worry.

First, our contracts often include an optional *extension period to give you more time. If you still can’t qualify, we’ll work together on a backup plan, like selling the home to recover your equity or even buying it back ourselves. Your success is always our priority.

Absolutely! The Canadian real estate market is down by 20%+, making this a prime opportunity to secure a home at a great price. Once interest rates come down further, the market is expected to rise again due to Canada’s housing shortage and increasing immigration. Builders aren’t constructing new homes right now, so inventory is low. By buying now, you position yourself to benefit from future *appreciation. Don’t wait—opportunities like this won’t last forever.

At the end of your 3-5 year term, you’ll be ready to transition to traditional financing. Thanks to the personalized plan created with your credit counsellor and mortgage broker, qualifying for a mortgage should be pretty straightforward. Once approved, you can either refinance the remaining balance or cash out your equity—it’s your choice. You’ll officially own your home!!

Our down payments can be as low as 8-10%, making homeownership more accessible for buyers who don’t qualify for traditional mortgages. Even better, your financing rate is often at prime or less, similar to what you’d get with excellent credit at a big bank. This means you can enjoy the benefits of low-interest rates while building equity in your home from day one.

We understand that traditional lenders often overlook hardworking people like the self-employed (tell us about it) or newcomers to Canada. With Bright Bird Homes, we focus on your income, savings, and potential—not just your credit score or history. Whether you’re self-employed or building a new life here, we’ll help you achieve homeownership without the usual roadblocks.

It’s simple:

1. Choose Your Home: Browse our available properties and pick the one that fits your needs.
2. Set Your Terms: Work with us to establish a payment plan that’s manageable for you.
3. Move In and Start Building Equity: Begin making payments while enjoying your new home.
4. Transition to Traditional Financing: Once you’ve completed your term, qualify for a mortgage and officially own your home.

When you rent, every payment builds someone else’s wealth. With Bright Bird Homes, every payment goes toward owning your home and building equity for your future. You’ll also enjoy the freedom to make your house your own—no more waiting for landlord approval to do basic things like paint the walls or hang up pictures.

Yes!!... but also no. We have a variety of homes to choose from in our inventory, and we’ll help you find one that suits your lifestyle and budget. You’re not just buying a house—you’re choosing a place to call home. We do not currently offer a 'shopping program' where you get to pick the property.

No problem. Our program is designed to help buyers rebuild their financial profiles. We work with you to overcome these challenges by creating a manageable payment plan and partnering you with experts who guide you toward qualifying for traditional financing.

No. The price of your home is locked in at the beginning of our term. That means if the market *rises (it very likely will)—you get to benefit from the increase in equity & appreciation while still paying the agreed-upon price. It’s a win-win for you as a buyer.

Yes! Seller financing is a secure, well-established process that’s been helping buyers for decades. At Bright Bird Homes, we provide clear contracts, transparent terms, and ongoing support to ensure you feel confident and protected throughout your journey to homeownership.

What is seller financing, and are there other terms for it?

Absolutely! Seller financing goes by many names, and while they may vary slightly in structure, they all share the common goal of helping you achieve homeownership outside of traditional bank mortgages.

Here are some terms you might recognize:

• Rent-to-Own: Often used interchangeably with seller financing, this term refers to agreements where you rent a home while building equity toward eventual ownership.
• Lease with an Option to Buy: Similar to rent-to-own, this involves leasing a home with the option to purchase it later at a predetermined price.
• Agreement for Sale: A legal contract where the seller agrees to finance the property for the buyer, who makes payments over time.
• Owner Financing: A general term for seller financing where the seller acts as the lender, allowing you to bypass traditional banks.
• Vendor Take Back (VTB): A specific form of seller financing often used in real estate investments, where the seller lends part or all of the purchase price to the buyer.

Regardless of the terminology, the essence is the same: these programs are designed to make homeownership accessible for those who may not qualify for a traditional mortgage right now.

At Bright Bird Homes, we specialize in simplifying the process and guiding you every step of the way.