I was sitting down with a young professional in Toronto last week. She’s been renting for years, saving diligently, and she’s finally ready to buy. But she looked at me and said, "Greg, I know there are programs out there. I just have no idea what’s still available and what’s changed."
I got a call a while back from a man named Raj. He’d just landed in Toronto from India with a work permit, a job in tech, and a dream of buying a home for his family. But every time he talked to a bank, he hit the same wall: "You don't have a Canadian credit score. Come back in two years."
I had a call a few months ago from a client—let’s call her Lisa. She’d separated from her partner months ago, moved out, and thought signing off the title meant she was done. Then she tried to apply for a new mortgage for a small townhouse.
Most people who've been through a consumer proposal assume homeownership is off the table. It's not. It's just on a different timeline — and that timeline is shorter than most people think, if you build the right structure around it.