Credit & Mortgage Readiness
Not sure whether your credit is strong enough to qualify? We can help you understand where to start.
Have Questions? We're Here to Help.
Taking the first step toward home ownership can come with a lot of questions. You may be wondering whether you're ready to buy a home, what you need to improve, how our Free Homeownership Assessment works, or whether PTHO Canada is right for your situation.
You don't need to have everything figured out before you contact us. Our team is here to answer your questions, help you understand the process, and point you in the right direction.
What we hear most
Let's Talk About Your Path to Homeownership
Whether you're just beginning to think about buying a home or you've already been told you're not quite mortgage-ready, you're welcome to reach out. We regularly speak with Canadians who have questions about:
Debt & Affordability
Wondering whether your current debt is affecting your ability to qualify for a mortgage? Let's talk.
Down Payment & Savings
If you're unsure how much you'll need or how to prepare, we can help you better understand the path ahead.
Self-Employed or Variable Income
Mortgage qualification can be more complicated when your income isn't a traditional salary. We can help you understand what may be important.
Homeownership Pathway / Rent-to-Own
If traditional mortgage financing isn't available today, you may want to learn whether an alternative Homeownership Pathway could be an option.
Your Free Assessment
Have a question before completing your assessment or uploading your credit report? Contact us and we'll be happy to help.
Prefer to speak with someone?
Sometimes it's easier to simply have a conversation
Give our team a call and we'll be happy to answer your questions and help you determine the best next step.
Terry Hepditch
Ontario — 647-977-9028
Nova Scotia — 902-225-0527
Stephen Kelley
647-696-0662
Send us an email
Have a question or prefer email?
Send us a message and a member of our team will get back to you.
Email
Complete Your Free Homeownership Assessment
If you're ready to find out where you stand today, you don't need to wait to speak with us. Complete our Free Homeownership Assessment and take the first step toward understanding your path forward.
Start My Free AssessmentFree • Confidential • No Obligation