Home to Own Program

Making home ownership attainable

A Rent To Own Program That Works.

Money on Tap knows that qualifying for a mortgage in Canada is not always easy. With the help of the H20 Home to Own program, rent to own homes are finally in your reach!

Our financial advisors are ready to find you options for homes that match your future, not your past. 

The foundation of our program is in helping our occupants qualify for a mortgage at the end of the rental term. We work closely with you to rebuild your credit from the comfort of your future home.

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What is a Rent to Own Program?

If you’re wondering how rent to own works in Canada, you’ve come to the right place.

A new way to buy a house in Toronto. 

Rent to own programs are designed to give those who can’t currently qualify for a mortgage a chance at home ownership. Money on Tap’s H20 Home to Own program helps renters become buyers in 2-3 years with low down payments and personalized credit counseling.

Investors buy the home and and stay on the title until the mortgage is fully transferred into the occupant’s name. During the rent to own agreement period, the occupant will make monthly payments to the investor. This helps them to build their credit and save towards their eventual down payment.

At the end of the agreement, the occupant is given the option to purchase the house. With our help, they should be able to qualify for a mortgage and finally own their dream house, apartment, or condo in any major city, town, or region in Ontario.

Money on Tap is home to one of Canada’s best rent to own programs. H20 Home to Own is affordable, highly trusted in the industry, and invested in your long term success.

Are Rent to Own Homes For Me?

H20 gives you a second chance at home ownership. If you struggle with any of the following issues, a rent to own home might be the solution you’ve been searching for.

Bad Credit or Low Savings

The number one problem faced by our clients who cannot qualify for a mortgage is having too low of credit. The H20 program allows you to build your credit and your savings through monthly payments to our trusted investors. 
rent to own homes

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New to Canada

Oh Canada! Finding a home in the Great White North can be challenging on its own. Qualifying for a mortgage as a new citizen can be even harder. The H20 program allows you to find your new home in the province of Ontario independent of your citizenship status.

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Young First Time Buyers

If you’re under the age of 30 and have never bought a house before, it might be difficult for some lenders to trust that you’re qualified for home ownership. The H20 program is flexible for first time home owners like you. We see your potential and want to help you reach it.

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Self Employed

Are you making a living as a freelancer but having trouble proving it? If you’ve left the rat race to start your own hustle, lenders may be hesitant to qualify you for a mortgage without proof of steady income or safe employment. Thats where the H20 program comes in. 

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FIND OUT YOUR OPTIONS

Types of Rent to Own Homes.

Rent to own real estate doesn’t stop at single family dwellings. H20 can find you options for rent to own houses, apartments, and condos in Ontario, CA.

Rent to Own Houses

Don’t settle! We can find you beautiful rent to own houses of up to $700,000 in value in cities, towns and regions all across Ontario, CA. The H20 program lets you live like the homeowner before you even own the home.
rent to own homes

Rent to Own Apartments

Looking for a smaller space and a big city lifestyle? Rent to own apartments in Toronto and the GTA might be the solution for you.  We’ll help you stop throwing away rent money when you can build equity in your own space instead. 

Rent to Own Condos

Homestyle feel with a community to boot? Rent to own condos in Ontario, CA come in all shapes, sizes, and ammenities. We’ll help you choose the lifestyle you want and start owning without the pain of qualifying for a mortgage. 

Rent to Own Homes in All of Ontario 

Rent to Own homes are located in the best cities, towns, and regions across Ontario, CA.
Even with bad credit, we can help find you a home in your dream location. Do you see your new favorite spot below?

Rent to Own Homes in Ajax
Rent to Own Homes in Aurora
Rent to Own Homes in Barrie
Rent to Own Homes in Bradford
Rent to Own Homes in Brampton 
Rent to Own Homes in Burlington

Rent to Own Homes in Durham
Rent to Own Homes in Guelph
Rent to Own Homes in Hamilton

Rent to Own Homes in Kingston
Rent to Own Homes in Kitchener

Rent to Own Homes in London
Rent to Own Homes in Milton
Rent to Own Homes in Mississauga
Rent to Own Homes in Oakville
Rent to Own Homes in Oshawa
Rent to Own Homes in Ottawa
Rent to Own Homes in Peterborough


FIND RENT TO OWN HOMES NEAR ME

Rent to Own Homes in Pickering
Rent to Own Homes in Simcoe
Rent to Own Homes in Thornhill
Rent to Own Homes in Toronto
Rent to Own Homes in Vaughan
Rent to Own Homes in Welland
Rent to Own Homes in Whitby
Rent to Own Homes in Muskoka
Rent to Own Homes in Peel
Rent to Own Homes in York

Your Questions, Answered.

Learn everything you need to know about the H20 Home to Own program through our most frequently asked questions. 

WHAT DOES RENT TO OWN MEAN?

Rent to own programs help potential homeowners qualify for a mortgage for a specific property after a 2-3 year rental period. The occupant makes monthly “rent” payments to one of our trusted investors as the legal owner with the intent of fully owning that same property at the end of the term. During that time, your payments help to pay down what will eventually become your mortgage.

DO RENT TO OWN PROGRAMS WORK?

Yes! Given that you make your payments on time and in full, our H20 program helps you work on all aspects of the mortgage approval process. By building credit and saving up for a down payment with us, you’ll get to move into your forever home and start building your new life sooner rather than later.

HOW LONG DOES IT TAKE TO GET APPROVED FOR A MORTGAGE?

Money on Tap’s mortgage pre-approval process is simple and easy. Fill out our application or call Martin at (416) 524-5518 for a quick consultation to see if you qualify. If not, our H20 program might be for you!

HOW MUCH DEPOSIT DO I NEED FOR RENT TO BUY?

Down payments for the H20 rent to own program are much lower than traditional mortgages. Depending on your annual income, you can expect to need 4% for homes with selling prices under $500,000, 6% under $600,000 and 8% under $700,000.

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FIND OUT YOUR OPTIONS
HOW DO I FIND RENT TO OWN HOMES?

Occupants can choose their own homes from MLS (Multiple Listing Sites) or from For Sale By Owner listings. We can also connect you with our list of trusted realtors who will help you find the best properties for our rent to own program. Essentially, any home with a property value of under $700,000 can become a rent to own home under our H20 home to own program.

HOW MUCH WILL MY MONTHY PAYMENTS BE?

Rent payments are similar to mortgage payments in that they will vary depending on your current credit score, down payment, and income levels. Current Canadian mortgage rates, the price of the home, and the location are also factored into the amount.

HOW DO I GET STARTED WITH H20?

Ready to find a rent to own home? Fill out our pre approval form or give Martin a call at (416) 524-5518 so we can review your financials and connect you with a realtor to start your search.

Rent to Own Homes are Within Your Reach.

Meet Martin Charney from Money On Tap! The self proclaimed “Doctor of Financial Pain” created the H20 Home to Own Program as an innovative and ethical home financing solution for struggling home buyers. 

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Rent to Own Reviews

Does H20 work? The testimonials speak for themselves. 

I have known Martin Charney to have always been very professional and able to recommend many creative financial solutions for his clients. I don’t know anyone else who represents such a diverse range of business and personal funding.

Christine Romahn
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I’ve known Martin for nearly 15 years. I have done work for him as a service provider and have also received invaluable advice from him on a numerous occasions. He works incredibly hard to find innovative financing solutions. If it can be done, he can do it.

Jeremy Lichtman
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Very detail oriented and always has his clients’ best interest in mind.

Marvin Rosenzweig
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Buy or Rent?
Why Not Both!

Get pre-qualified for our rent to own program now!

We’ll help you find your dream home in the Greater Toronto Area regardless of your current circumstances.

Choose from any one of our applications below to get started.


Access short application form online. (Mobile accessible)
View short application form. (PDF)
View full application form. (PDF)

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Still Not Sure if H20 is Right For You?

 Money on Tap’s Home 2 Own program outranks other Rent to Own Companies. We’ll help you put together a Home Ownership Savings Plan that includes owning your own home. Fill out the form below to get a free consultation with a Licensed Credit Counselor!