• All You Want Is A Place To Truly Call Your HOME in Niagara
    Step One

    The first step to home ownership is to complete this brief in-take form. Afterwards, someone from our team will call you to discuss.

    Click Here- Intake Form

Don't Rent in Niagara 

In fact, fire your landlord -- after talking to Creative Home Ownership, you will see just how easy it is to own your home in the heart of Niagara Region.

Can You Fire Your Landlord? 

If you can afford roughly $3000/month for your house payment, insurance and taxes, you can own a home in Welland, St. Catharines, Niagara Falls, Fort Erie, Pelham, Lincoln.  

When the banks have said NO

Creative Home Ownership steps in when the banks and mortgage brokers say NO - we're here to help you own your home. 


Average House Price Dec. 2021


Average House Price Dec. 2021

Hamilton - Burlington

Average House Price Dec. 2021

Kitchener - Waterloo

Average House Price Dec. 2021

20+ Years of Experience

Our team has successfully given homeownership to many that the banks would not help.

Business Owners

We understand small business finances - we're easier to work with...

Credit Issues

Life happens, credit issues happen, we can still work with you to buy your home.


You can even borrow your down payment. Then we will work with you to pay it off.

Our Process

Everything we do is aimed at your successful outcome. Our process includes:

  • Understand your unique situation and needs.
  • We find a home for you and purchase it on your behalf.
  • We lock in the purchase price of the home at TODAY'S market rate. No yearly increases & No HUGE inflated prices.
  • You earn equity on the home as you are renting.
  • You purchase the home when it makes sense for you at the original amount.
  • If you are not able to purchase, we can extend the Option to Purchase Agreement, transfer your money to a new property that better meets your new needs or we can offer to hold a mortgage for you in some instances.

For Business Owners - Learn More

business owner looking to buy a house

Shariah Compliant Mortgage - Learn More

Muslim family looking for shariah compliant mortgage

3 Year Guarantee

If you were to obtain a traditional mortgage from an A-Lender, or obtain your home with Creative Home Ownership, in 3 years time, you will have a similar amount of equity earned in your new home.

We are NOT Rent to Own

​We are Rent, Build Equity, then Own

What's the difference?

No Inflated House Price

We do not inflate the house price to keep our investors happy at your expense. We lock the price of house at TODAY's market rate. That is a Big difference to you.

No Rent Credits 

Because the success rate of Rent to Own is so low, Rent Credits are just one more way for you to potentially lose money. 

Earn Equity as you Rent

If the market goes up by 20% on your $500,000 home, then you have earned $100,000 towards your down payment when it is time to purchase!

Success of Rent to Own

Historically, tenants in a Rent to Own property end up buying the property less than 50% of the time. We don't want you to risk your deposit and rent credits. We have a 100% success rate. 

Complete The In-Take Form

Complete our brief in-take form to get things started. Someone from our team will reach out to you as quickly as we can.