Professional rent-to-own financing for Canadian families — primary homes and recreational properties across Alberta and British Columbia.
SelfWorth Financial bridges the gap between the bank that won't write the deal at low down-payment and the private lender whose pricing doesn't fit an owner-occupier. We build a real path to ownership, transparently structured, on terms agreed at inception.
For families who want to put rent toward ownership. We acquire your chosen home with real bank financing, lease it back to you, and lock in a purchase price at inception. In three to five years, you exercise the option and move to a conventional mortgage on terms you set up in advance.
Cabins, cottages, lakefront and mountain retreats — the recreational property most banks won't write at low down-payment. We bridge that gap with arm's-length capital, professional underwriting, and a forward-priced option to own the place your family is already falling in love with.
Three to five years from your first month's rent to title in your name — with the purchase price locked in on day one.
We acquire your chosen property with senior bank financing. You move in and pay market rent — a portion accumulates toward your eventual purchase.
When you're ready, typically in year three to five, you exercise an option to purchase at a price agreed at the start of the term.
You take title with a conventional mortgage. The home is yours, on terms structured around your family from the very beginning.
AACI-designated appraisal, full tenant screening, documented capital-stack sequencing on every transaction. The diligence a bank would do, applied to the deals a bank won't write.
Every deal anchors on a senior mortgage from a Schedule I Canadian lender. Your home is held, financed, and operated as a professional real estate transaction — not as a side agreement.
Your purchase price is locked at inception with a modest, transparent annual escalator. You aren't exposed to market spikes; you aren't priced out of your own home by the time you're ready to exercise.
Mariia is the architect of the rent-to-own deal model the company runs today, refined across years of structuring residential financing for families that the conventional mortgage market doesn't fully serve. Every deal that comes through SelfWorth carries that operational craft — from tenant onboarding through eventual exit.
SelfWorth Financial is not publicly raising capital. Our investor relationships are private and built deal-by-deal with members of the operating team's professional network in Alberta and British Columbia.
If you have been introduced through someone in our network and would like to learn more about who we are, you are welcome to get in touch.
We'll tell you what's possible. A first call usually runs twenty to thirty minutes.