Upstream Living

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

Serving Canada's Prairie Provinces

You're ready to own.
We make the mortgage happen.

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

Express your interest

Upstream supports you when
the bank says "not yet."

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 savings, but not enough for a traditional down payment

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

How it works

Step 1

We acquire the home you choose.

We work together to 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.

You move in and have fixed monthly payments: part rent, part option payment that’s credited toward buying the home when you’re ready.

Step 3

You buy when you qualify.

After our 2-3 year program, you buy the home. The option you’ve built up becomes your down payment. The title transfers to your name.

Step 1

We acquire the home you choose.

We work together to 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.

You move in and have fixed monthly payments: part rent, part option payment that’s credited toward buying the home when you’re ready.

Step 3

You buy when you qualify.

After our 2-3 year program, you buy the home. The option you’ve built up becomes your down payment. The title transfers to your name.

Everything you need to know in one place

Do I qualify?

Find out if Upstream is the right fit for your income, savings, and credit situation. Find out if you're a fit in less than 10 minutes.

Check your eligibility

man in white shirt carrying girl in gray shirt

Wooden family figures and house with keys on table.

How it works

Walk through the all the steps — from application to the day you hold the title. No surprises.

See how it works

Built on the 3E’s: Ethics, Empathy, & Excellence

Stay In The Loop

Subscribe to our newsletter

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Start Your Journey

Ready to see if Upstream is right for your family?

Express your interest

Serving Canada's Prairie Provinces

Upstream supports you whenthe bank says "not yet."

How it works

Step 1

We acquire the home you choose.

Step 2

You rent and build savings.

Step 3

You buy when you qualify.

Step 1

We acquire the home you choose.

Step 2

You rent and build savings.

Step 3

You buy when you qualify.

Everything you need to know in one place

Do I qualify?

How it works

Built on the 3E’s: Ethics, Empathy, & Excellence

Stay In The Loop

Subscribe to our newsletter

Start Your Journey

Ready to see if Upstream is right for your family?

Upstream supports you when
the bank says "not yet."