Leasing

Flexible for Life’s In-Between Moments

Not quite ready to buy? Whether you’re building credit, navigating a life transition, or exploring alternatives to traditional homeownership, leasing can provide the flexibility you need—without the long-term commitment of a mortgage.

At Valko Financial, we’ll help you understand your leasing options and guide you toward a solution that fits your current lifestyle, while supporting your future goals.

Leasing can be a smart move if you’re preparing to qualify for a mortgage, relocating for work, or recovering from a major life change like a separation. It’s also a great option for newcomers to Canada or self-employed individuals working to establish a financial profile. In some cases, lease-to-own programs can even help you secure a property now with the option to buy later.

If you’re not quite ready to purchase but want more stability than renting, we’re here to help you take the next right step—on your terms.

Can I lease a home with poor credit?

Yes, leasing is often more accessible than qualifying for a mortgage—especially if you have poor or limited credit.

Many landlords and leasing programs understand that life happens, and they may consider factors beyond just your credit score—like your income, employment, rental history, or a co-signer. Some lease-to-own options are even designed specifically for individuals who are working on rebuilding their credit while preparing to buy in the future.

Do lease payments build equity?

n a traditional lease, your monthly payments go toward rent only, and do not build equity in the property.

However, if you're in a lease-to-own agreement, a portion of your payments may be credited toward a future down payment or purchase price—depending on the terms of the contract. This can be a great way to work toward homeownership while you're building credit or saving.

What do I need to qualify for a lease?

To qualify for a lease, you’ll typically need to provide a few key pieces of information to show you’re financially responsible and able to meet monthly rent payments. Requirements may vary by landlord or leasing program, but generally include:

Proof of income (recent pay stubs, job letter, or tax returns if self-employed)
Government-issued ID
Credit report or consent to a credit check
Rental history or references from previous landlords
First and last month’s rent (sometimes a security deposit as well)

If your credit is poor or limited, you may still qualify with a co-signer or by providing additional financial documentation.

Tracy's team really made the process of finding the right mortgage for me smooth and easy. I highly recommend them!

ray whit

4 days ago

Tracy and her team were so helpful, kind and supportive! As the proud owners of a small Canadian manufacturing business, we honestly didn’t think we would qualify for a mortgage and had just expected to rent. But when we were introduced to Tracy, a whole new world of possibilities opened up. Tracy and her team helped us purchase both a new home, and space for our business! It’s game changing. Work with them. You won’t be disappointed.

Rob Bourbeau

6 days ago

Tracy and her team are exceptional! They've got passion, integrity, and are determined to make things work. As owners of a proud Canadian manufacturing business, they worked magic to help us purchase both our new home and business studio! We could not have done it without them, and we are so grateful they're on our team! -Rob+Sarah

do and dare undie co.

6 days ago

Very helpful through the entire purchase process. Quick to answer any and every question. 100% recommend

James Copeland

10 days ago

Tracy and her team provide exceptional insight and education to the community on mortgage strategies, always going the extra mile to help people navigate the market with confidence. I have loved her webinars—they offer so many practical tools and easy-to-understand ways to help anyone grasp the complexities of mortgage financing. Tracy’s passion for empowering others truly shines through in every event and interaction, and her team makes the process simple, supportive, and stress-free. Highly recommended for anyone seeking knowledgeable guidance and real education in the mortgage world!

Heather Bridges

10 days ago

We recently used Cindy and team once again for the purchase of our new home. This is our third home working with Cindy and we could not be more thrilled with how she helped us get what we wanted in such a short time frame! Cindy was easy to communicate with and always responded quickly. Highly recommend (still) using Cindy and the valko group as a whole! emailed the valko group a few years ago when we were interested in buying a home. The call and communication between our mortgage Broker was amazing! Cindy White worked with us and she was wonderful. She had answers for all questions we had, and she gave us great advice. When we didn’t fully understand something she was quick the explain. We have recommended Cindy and the valko group to family friends. We wouldn’t go anywhere else for our mortgage needs.

Lucia Watson

3 years ago

Let’s create a plan that meets you where you are.

Life isn’t always linear. Whether leasing is your first step or a temporary solution, we’re here to support your journey — with compassion, clarity, and a custom plan.

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