Unlock Homeownership Sooner with Co-Investment
Are you tired of chasing the market while your down payment savings stay one step behind? For many first-time buyers, the biggest hurdle isn't the monthly mortgage—it’s the upfront 20%.
That’s why I’ve partnered with a Canadian co-investment platform that helps you break into the real estate market now, not years from now.
How It Works: A Partnership, Not a Loan
Unlike a traditional loan or a "rent-to-own" scheme, co-investment is a true equity partnership. Investment Firm invests alongside you, contributing to your down payment so you can reach that 20% milestone.
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Your Contribution: You provide at least 5% of the home’s purchase price.
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Investment Firm’s Contribution: They invest the remaining amount (up to $250,000) to help you reach a 20% down payment.
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The Result: You secure a smaller mortgage, skip the costly mortgage insurance (CMHC) fees, and lower your monthly payments.
The "No-Monthly-Payment" Advantage
Because this is an investment and not a debt, the rules are different:
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No Interest: You aren't "borrowing" the money; Investment Firm is buying a share of the home.
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No Monthly Repayments: You only pay your mortgage, property taxes, and utilities. You don't pay Investment Firm a cent until you sell.
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Shared Risk: Since they are co-owners, if the home value goes down, Investment Firm shares in that loss too. They only succeed when you do.
Is This Program Right for You?
This program is a "game-changer" if:
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You are a First-Time Buyer (Permanent Resident or Canadian Citizen).
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You have at least 5% saved but want the benefits of a 20% down payment.
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You have a stable income and can be pre-approved for a mortgage.
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You plan to live in the home as your principal residence.
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You are looking to own the home for up to 10 years (though the program allows for up to 30).
What Happens When You Sell?
When you decide to sell your home (or buy out Investment Firm's share), the proceeds are divided based on the initial equity split.
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You keep: Everything you paid toward your mortgage principal + your share of the appreciation.
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Investment Firm receives: Their initial investment + their share of the appreciation.
Why Choose This Path?
Beyond the down payment, Investment Firm acts as a "silent partner." They offer complimentary home maintenance services to help protect your investment and even provide a Renovation Credit Program if you decide to make major upgrades that increase the home's value.
Ready to see how much you qualify for?
Don't let the "down payment gap" keep you on the sidelines. Let’s sit down and look at your numbers to see if a co-investment partnership is the key to your first front door.
CALL OR TEXT me at 905-783-1918