01
Rebuilding credit
You need time and a defined plan to strengthen your credit profile before applying for a mortgage.
Alberta rent-to-own opportunities
Turn a “not yet” from the bank into a clear path home.
BroadReach helps financially stable Alberta households move toward homeownership while they strengthen credit, income history or future purchase savings.
Initial check does not affect creditNo obligationClear next steps
Alberta-focusedLocal guidance for cities and communities across the province.
Transparent processUnderstand the structure, expectations and timeline before deciding.
A real personDiscuss your situation with Mike—not an anonymous approval algorithm.
A practical bridge
Not mortgage-ready today does not always mean homeownership is out of reach.
Rent-to-own may be worth exploring when income is stable but traditional financing is temporarily unavailable.
02
Self-employed income
Your household can support homeownership, but your income history does not yet fit conventional lending rules.
03
Building purchase savings
You have funds set aside for the Initial Option Consideration and need time to strengthen your position for the future purchase.
How it works
A structured route from renter to owner.
Every situation is reviewed individually. These are the four main stages of the BroadReach process.
Check eligibility
Tell us about your household income, available funds, credit range, preferred location and timeline.
Create the plan
We review what is keeping you from mortgage approval and determine whether a realistic program can be structured.
Choose the home
Find a qualifying home within the approved budget and service area. BroadReach purchases it for the program.
Prepare to purchase
Live in the home while following the agreed plan, then seek mortgage approval within the program term.
Clear language matters
It is an Initial Option Consideration—not a conventional down payment.
The Initial Option Consideration is paid upfront in consideration for receiving the option to purchase the home later. Your agreement will explain how every amount is treated.
- The eligibility form asks what funds are currently available
- At least $10,000 is generally required for the initial review
- Exact requirements depend on the home and program structure
- An option is a contractual right to purchase later—not a mortgage approval
Where we help
Serving applicants across Alberta.
Major centres and smaller communities are considered. Availability depends on the home, local market and program fit.
EdmontonCalgaryRed DeerGrande PrairieLethbridgeMedicine HatOther Alberta communitiesOutside Alberta reviewed individually
Location-aware guidance
Tell us where you want to put down roots.
The eligibility form records both the preferred city and province. Applications from other provinces can be reviewed and categorized separately as BroadReach evaluates future markets.
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BroadReach PropertiesA more personal experience
Meet Mike.
BroadReach is designed to provide a clear, respectful conversation for people who are serious about homeownership but are not quite ready for a traditional mortgage.
Instead of reducing your situation to a single score, Mike reviews the full picture—income, available funds, credit range, timeline and the community where you hope to live—and explains the next step honestly.
Start with the eligibility checkCommon questions
Understand the program before you apply.
BroadReach will review the specific numbers, property and contractual terms with you before you make a decision.
Do I need perfect credit?
No. Credit is one part of the review. The important question is whether a realistic path to mortgage readiness can be created within the proposed term.
Does the initial eligibility check affect my credit?
No. The initial online eligibility check does not run a credit check. If a later step requires authorization for a credit review, that would be explained separately.
Can I choose the home?
The program is designed around choosing an eligible property within the approved budget and service area, subject to BroadReach's property and investment criteria.
Am I guaranteed to become the owner?
No. The goal is to prepare for a future mortgage, but approval ultimately depends on meeting a lender's requirements at that time. Your agreement will describe the option, timeline and obligations.
Ready for a clear answer?
See whether rent-to-own could fit your situation.
The initial check takes only a few minutes and does not affect your credit.