The future of homeownership
You don't need a mortgage right now to live in your dream home,
Spairu designed to help you from renting to owning in an easy and transparent process,
Rent your dream home now, build the down payment and buy when you are ready
four steps to your own home
Apply for free
5 minutesCheck your eligibility for our program and get prequalified. It's a free and fast process that won't impact your credit score. Once qualified, you'll receive your home shopping budget.
Find your dream home
1 MonthChoose your ideal home from the market. We handle everything, from making a cash offer to managing appraisals, inspections, closing costs, taxes, insurance, and paperwork. Pay an initial deposit of 1% or 2% of the purchase price, that is saved for your future down payment. Our partner agents can also help you find the perfect home.
Move in and save
2 weeksMove into your new home and start making monthly payments. These payments include built-in savings that grow over time and contribute towards your down payment. We'll also provide guidance on improving your credit score so that you can qualify for a mortgage within 3 years or less.
When you are ready buy the home
3 years or lessWhen you're ready, you can use your accumulated savings and obtain a mortgage to buy your home. Alternatively, if you've change your mind, you can exit the program with a 60-day notice and minus a relisting fee of 2%.
We Make It Simple
How rent to own works
We have modernized and simplified the way to buying your first home. Watch our video to learn how rent to own allows you to enjoy the benefits of homeownership of your dream home without all the hassle.
Who fits us
You could use help saving up for a down payment
If you need help saving up for a down payment, Spairu is the solution for you. Our program allows you to save within your monthly payments, so you can accumulate the 10% down payment for your dream home in 3 years or less.
Your credit score isn't quite where it needs to be
If your credit score isn't where it needs to be, Spairu is here to help. We accept a minimum credit score of 540 and provide you with a financial coach who will guide you in improving your credit score, getting you ready for your own mortgage.
Banks have put you in the too-hard basket
If banks have considered you a difficult case, Spairu is your path to homeownership. Whether you're a business owner, working towards permanent residency, or starting a new job, we assess your last 3 months of income to help you on your journey to owning a home.
You don't have access to the bank of parents
If you don't have access to financial support from your family, Spairu offers an alternative. With just a 1% or 2% payment, you can embark on the path to homeownership without relying on the bank of parents.
You want to try
If you're ready to take the leap into homeownership or explore new neighborhoods, Spairu is your partner. Get into your dream home sooner and have the flexibility to walk away from the deal if life changes.
You want buying power
If you want the advantage of buying power, Spairu has you covered. We provide a cash offer and expert assistance to help you find your dream home, assess any issues, and negotiate confidently for the best outcome.