Banks See a File, We See a Family.
Canada's most trusted rent-to-own program. 900+ families helped. 90%+ success rate.
A Clear Path to Homeownership
Our process is designed to be transparent, secure, and effective.
Qualify
Complete our assessment to see if you fit. We look for a realistic 3-4-year path to mortgage approval.
Choose Your Home
Work with your own realtor or our team to find any property on the market. You pick the home—we help make it possible.
Inspection & Legal
We require an independent inspection and strongly recommend your own lawyer to review contracts. Total transparency.
Build & Buy
Live in your specific future home while building credit and accumulating your down payment.
Take Ownership
Exercise your option, get your mortgage with your improved profile, and the deed becomes yours.
We Specialize in Situations Banks Don't Understand
New to Canada
No Canadian credit history? Your international financial discipline counts here.
Self-Employed
Your income is real—even if your T1 doesn't show it. We bridge the documentation gap.
Rebuilding After Life Events
Divorce. Job loss. Health crisis. Your past doesn't define your future home.
First-Time Buyers
Good credit, steady income, but can't save fast enough? Lock in today's price.
Why Families Trust Clover
No Application Fees
No Sitting Fees
Complete transparency from day one. We don't charge you to apply or "sit" on our waiting list.
Your Own Lawyer Reviews
We strongly recommend independent legal advice before you sign. Your protection is non-negotiable.
Credit Bureau Reporting
Every on-time payment builds your Canadian credit history, helping you qualify for your future mortgage.
Clover Properties has been very instrumental in our lives. I was skeptical about rent-to-own due to other companies and their arrogant attitude. When I met Neil, he was sincere and forthright. He explained exactly how the program worked and what the expectations were. The program is challenging, but it is definitely worth it.Davis L.Ajax, Ontario
Founded on an Immigrant Family's Dream
Rachel Oliver immigrated to Canada from Ukraine at age 9. Her family rented for years, and that experience shaped her mission: make homeownership accessible for families that traditional banks overlook.
After 20 years in the corporate world, Rachel and her husband Neil founded Clover Properties in 2009. Fifteen years and 900+ families later, Clover is Canada's most trusted rent-to-own company—with an industry-leading 90%+ success rate.
Ready to See If You Qualify?
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