Professional Advice
You will be guided through the entire process by a team of real estate professionals. Our pre-approval process gives you the confidence to know what you can safely afford and how you should be able to purchase a home within 1 to 3 years.

You Pick the Home You Want
We let you choose from almost any home available for sale once you have been pre-qualified. It may be MLS or a private sale. There are normal negotiations, a home inspection and an appraisal. Once you approve this, you pay your non-refundable deposit towards your home. A rental agreement and option to purchase is signed and we buy the home. You move in.

Build Equity While You Rent
Our program helps you build equity for the future down payment on a monthly basis. The future down payment will be in place. We will continually review credit and plans over the term to ensure you are on track to purchase at the end of the agreement.

Guaranteed Purchase Price
Your purchase price is set up front and guaranteed over the course of your lease.

The future purchase price results from a small increase per year; any additional gains in the value of the property are yours to keep when you complete the purchase. Our annual increase is well below the 30 year Okanagan average.  We appreciate your home only 5% on cost. See the example below:

Example #1
If the original cost of the house was $200,000, your rent would be approximately $1,000 per month plus utilities & condo fees (if applicable).  The down payment you would give CGM Properties is $6,000.  The option amount to make up the rest of your down payment is listed below and is added to your monthly rent. 

	Year 1	Year 2	Year 3
You would buy the house for:	$210,000	$220,500	$231,525
The total down payment  we would need to have is:	$10,500	$11,025	$11,575
To make up the down payment, you would pay an additional:	$375 for 12 months	$210 for 24 months	$155 for 36 months

Example #2
If the original cost of the house was $300,000, your rent would be approximately $1,550 per month plus utilities & condo fees (if applicable).  The down payment you would give CGM Properties is $9,000.  The option amount to make up the rest of your down payment is listed below and is added to your monthly rent.

	Year 1	Year 2	Year 3
You would buy the house for:	$315,000	$330,075	$347,287
The total down payment  we would need to have is:	$15,750	$16,540	$17,364
To make up the down payment, you would pay an additional:	$563 for 12 months	$315 for 24 months	$233 for 36 months

Example #3
If the original cost of the house was $400,000, your rent would be approximately $2,000 per month plus utilities & condo fees (if applicable).  The down payment you would give CGM Properties is $12,000.  The option amount to make up the rest of your down payment is listed below and is added to your monthly rent. 

	Year 1	Year 2	Year 3
You would buy the house for:	$420,000	$441,000	$463,050
The total down payment  we would need to have is:	$21,000	$22,050	$23,153
To make up the down payment, you would pay an additional:	$750 for 12 months	$419 for 24 months	$310 for 36 months

Flexible Terms
You choose the length of the lease, down payment needs and we make it affordable.

Basic Requirements

1. Sufficient income.
2. Minimum $6000 or 3% of purchase price. This goes towards the down payment of your home
3. Home inspection fee of approximately $425. This is for your benefit, to ensure
   you are buying a sound home.
4. Security deposit for lease.

Benefits of This Program

1. A strong team.
2. We stay involved from beginning to end to guide the entire process.
3. Guaranteed purchase price is determined at the start.