Upstream Living

a couple of people that are sitting in front of a house

Serving Canada's Prairie Provinces

For families ready to own —
just not ready yet.

A structured rent-to-own program that gets you mortgage-ready in 2–3 years.

Express your interest

Why Rent-To-Own

You're ready. The mortgage isn't… yet.

You're working hard. You're providing for your family. You may have even been told you're "almost there," but the mortgage keeps moving just out of reach. Upstream is built for families who are ready in every way that matters, just not yet ready in the ways a lender measures. You might be a fit if...

You've been turned down for a mortgage despite stable income

Lenders struggle with how your income is structured

You're rebuilding credit after a major life event

You have meaningful savings, but not enough for a traditional down payment

You're newer to Canada and haven't yet built up Canadian credit history

How It Works

From choosing your home to holding the title.

Step 1

We acquire the home you choose.

You find the house you want; Upstream purchases it on your behalf. We pre-set your final purchase price on Day 1 and you move in right away.

Step 2

You rent and build savings credit each month.

You have fixed monthly payments for the duration of the term. You know exactly what you’ll pay each month. Payments are split into rent and a savings credit towards your future down payment. Our coaching program keeps you on track.

Step 3

You buy the home at the locked-in price when you qualify.

After our 2-3 year program, you buy the home at the price we locked in on Day 1. The savings credit you’ve built up become your down payment. The title transfers to your name and you’ve graduated from our program.

Step 1

We acquire the home you choose.

You find the house you want; Upstream purchases it on your behalf. We pre-set your final purchase price on Day 1 and you move in right away.

Step 2

You rent and build savings credit each month.

Step 3

You buy the home at the locked-in price when you qualify.

How we operate

Built on the Triple E’s principles

Ethics

Our mortgage broker reviews each case and we design a custom plan. Official legal agreements are in force and all terms are transparent; no hidden fees.

Empathy

Our advisors are professionally trained coaches, not salespeople. We’re with you through the whole program, not just the signing. Our program is designed to guide you towards homeownership and financial success.

Excellence

The clarity of the financial model, the quality of our broker partnership, and the structure of our educational program are all intentionally designed to lead towards a successful outcome: homeownership for you.