Building Towards Home Ownership One Step at a Time
Not being ready for a mortgage today does not mean you will never be ready. Credit can be rebuilt, savings can grow, and a clear budget changes more than most people expect. Many of the families we speak with are closer than they think.
We put this page together to point you to trusted, free resources; most of them from the Government of Canada, the Government of Saskatchewan and accredited non-profit organizations.
Take it one section at a time. If you only do one thing this week, check your credit report. It is free and it will not lower your score.
Sections on this page:
Credit Supports I Budget Supports I Avoiding Costly Traps I Free Support Services I Thinking Ahead to Owning a Home
Understanding Credit
Building & Re-building Credit
Making a Budget
Resources (links)
Building a Savings Plan
Avoiding Costly Traps
Payday Loans
resources (links)
"Credit repair" and quick-fix offers
Free Support Services
Non-Profit Credit Counselling
resources (Links)
Free Tax Clinics
resources (Links)
Not Sure Where to Start?
resources (Links)
Thinking Ahead to Owning a Home
Homebuying: Step-by-Step
resources (links)
When you're ready…
Upstream's program is built around a model of support, to keep families on track and motivated to reach their goals.
Disclaimer: The information on this page is general and educational. It is not financial, legal, tax or credit advice, and it does not take your personal circumstances into account. Links are provided for convenience; Upstream Living does not control, endorse or receive any payment from the organizations listed, and their content, programs and contact details may change. Please speak with a qualified professional, such as a non-profit credit counsellor, financial institution or licensed advisor, about your own situation. Using these resources does not guarantee eligibility for any Upstream Living program.
Last Update: September 28, 2026
