How It Works

The path to homeownership has changed.

IGVhope re-engineers the process, so more people can move into a brand-new home now and own it later.

Purchase price locked from Day One
Move into your home now
Transition to a mortgage after 10 years
A couple holding keys to their new home
Aerial view of a suburban neighbourhood

Why traditional buying no longer works

For decades, the traditional path to homeownership has been the same: save more, wait longer, hope prices don't rise.

+98%
Average home prices increase per decade in Canada since 1946.*
Left behind chasing the market
20%+
Average minimum down payment required for many homes today.
The downpayment hurdle keeps rising
10+ years
For many renters, the estimated time to save enough for a down payment.
Ten years stuck in rental drift
*Source: BCREA Home Price Index

The IGVhope Process

Three simple steps. One clear path to ownership.

1
Secure
Your home's price locked in today, even if the market moves.

Move into a brand-new home with no down payment required. Your purchase price is fixed at today's market value, written into your Purchase Agreement, registered on your home's title, and legally protected from future market changes.

2
Live
Move in to your brand new home. Clear monthly payments and security.

You pay a predictable monthly occupancy contribution, with annual increases capped in your Purchase Agreement so you'll always know what to expect. While you live in your home, we help prepare you for homeownership through annual check-ins with your IGVhope Navigator, support from lending partners to strengthen your credit profile and savings, and access to the IGVhope Pathway Academy for financial education and coaching.

3
Own
Transition to your mortgage at year ten at your year one price.

The market may change, but your purchase price won't. When you're ready, you secure a mortgage at the price agreed on Day One, and any increase in your home's value is yours. Along the way, you'll build a strong repayment history, supported by your IGVhope Navigator and mortgage broker. Once your mortgage is in place, title transfers to you—you own your home.

The same $600,000 home three ways.

Cash to start
Monthly cost
Purchase price
Buying upfront
✕
Cash to start$85,000 Upfront Costdown payment, insurance, taxes
✕
Monthly costStretch to full mortgageat today's rate from Day One
✕
Purchase priceFull price today,often loaded with mortgage insurance
Traditional rent-to-own
✕
Cash to start$10,000 to $30,000 at riskif down payment is non-refundable
✕
Monthly costOver market rentprepayments at risk
✕
Purchase priceAbove market buy priceor bumped up to market price when option is exercised
✓
Cash to startNo upfront down paymentjust typical lease cost
✓
Monthly costCertainty of monthly costscapped for 10 years
✓
Purchase priceYour price fixed at entry,held for ten years
We're with you for the long term.
Our team and partners are here to support you at every step of your journey to homeownership.
A family sitting together looking out a window

Is IGVhope right for you?

IGVhope was designed for people who:

  • ✓Have a steady income
  • ✓Pay their bills
  • ✓Can comfortably make regular monthly payments
  • ✓Want the security of owning their own home
  • ✓Feel locked out of the traditional buying process

If that sounds like you, we'd love to show you what's possible.

Not sure if you qualify?

Take three minutes to check where you stand and see what is possible.

No impact to your credit score

Homeownership shouldn't move further away every year. It should move closer.

Your protections throughout the pathway.

IGVhope is designed for commitment. It is also designed for the reality that life does not always go to plan.

Your price is protected by law

  • Written into your Purchase Agreement
  • Clear, transparent certainty from Day One

Your monthly costs are capped

  • Capped for the full ten years
  • You can plan your budget with certainty

Support measures for income disruption

  • Built in from the start
  • If the unexpected happens we work with you on the next steps

Clear legal documents, nothing hidden

  • Your rights, your agreed purchase price and the path ahead
  • Reviewed with you before you sign
Check my eligibility

Your journey starts here. It takes about three minutes to complete your eligibility check, and every application is personally reviewed. We'll be in touch within 72 hours.

Free Course

Build your confidence.
Build your future.

At IGVhope, we don't just help you into a home, we help prepare you for homeownership. Our free Homeownership Academy gives you the knowledge, tools and confidence to build your credit, strengthen your finances and understand every step of the journey.

Start the Launch Course

Free. Self-paced. No obligation.

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