Limited amount of approved applicants accepted each year! 

Stop waiting to become a homeowner and get started today

Get Pre-Qualified Today ⇨

We're Here to Help

  • Not Enough Down Payment

    We understand that it can be hard to save 10-20% to put down on a home, especially as the cost of everything keep rising.  


    Our program can work for you with as little as 3.5% of the initial purchase price.  On a $300,000 home, that's just $10,500... a third of the price of a budget brand vehicle. 

  • No, Low or Bad Credit

    We get it. Life happens.  Unexpected circumstances put so many of us in challenging financial positions that can negatively affect credit scores. It can feel like an impossible hole to get yourself out of.  But, with the right knowledge, tools, and support, you can get in the home you want now, while building the credit score you need for financial independence in the future. 


    We work with people based on where they are in life, not on a single number.  

  • Entrepreneurs & Self-Employed

    We've seen it countless times. You're an entrepreneur that works hard and plays by the rules, only to be denied by lenders for a personal mortgage. You're told you need to wait years to be able to qualify. 


    Rent-to-own is a viable solution to get in the home you want while you work with your accountant to prove personal income to lenders. 

  • New Canadians & Immigrants

    First of all, welcome to Canada! This country was built by hardworking immigrants just like you.  Whether you are a new Citizen or Permanent Resident, you've encountered hardships with your finances or credit, are unable to get approved from traditional lenders, we can help. 


    Our network of homeownership professionals is here to help you achieve homeownership in Canada

  • Divorced or Widowed Folks

    Regardless of the situation, we know this is a tough time. There could be a number of things you're trying to deal with, and ultimately you need a stable home while you work towards a new normal.  


    If your financial situation has changed as a result of being divorced or losing your spouse, we offer viable solutions to get into your future home today. 

Get Pre-Qualified Today

Book a Free Discovery Call

3 Step Rent-to-Own Process

Row homes in crafty style

In this first step we get to know each other and make sure we can help you become a homeowner by taking a holistic view of your circumstances. This phase includes a homeownership planning session, pre-qualification, and a credit renovation plan with a licensed professional.  

2. Home Shopping & Move-In

When you get started with us you know exactly what the purchase price of the home will be at the end of the 2-4 year rent-to-own program. Right at the start, you'll work with our pre-vetted Homeowner Pros so you get the best advice. This phase includes shopping for your home and moving in!

Our specialists and homeownership pros help you throughout the life of the rent-to-own program so you qualify for your own mortgage at the end. We work with you on credit improvement and report your on-time payments as an extra way to help you. In this phase you're building equity into your future home!

We Do Things Differently

Other rent-to-own companies accept anyone into their program. We don't. If you're not going to succeed in becoming a homeowner within 2-4 years, we'll tell you straight up... and still give you advice that will help you to succeed in the long-run.


At Chilkoot Homes, we believe all people deserve to experience the benefits of homeownership. We strive to empower individuals with lifelong financial knowledge and a mindset of sustainability. It's about way more than purchasing a house; we're helping people build home.

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"A place to live is somewhere we put our stuff, a home is a place where we feel safe and happy. Jonathan is someone who cares about his tenants and understands life has its curveballs and successes. His integrity, knowledge and humanity speaks volumes to his ability to give a great place to call home."

Lisa S.

Current Tenant

Our Satisfied Clients

Expert tips

Get tips and tricks on improving your credit, your financial health, and for more details on how you can reach your goal of homeownership

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In this post we break down how rent-to-own works and some key points that you'll need to know if you're considering rent-to-own in Edmonton, Alberta.
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In this blog, we'll explore the five ways to improve your credit score in Canada and give you an overview of the two major credit reporting agencies, Equifax and TransUnion, and their key differences.
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What is it and what's the big deal? In this blog we break down 4 key benefits of rent-to-own home ownership in Canada
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