Couple sitting on floor with laptop and moving boxes, smiling

ASSISTED PURCHASE PROGRAM

Have bad or no credit and dream of owning a home in Sudbury?

You can own a home in Greater Sudbury, Ontario with just 5% down, even if you have bad credit, new to the country, are self-employed, or are going through a consumer proposal or bankruptcy.

Apply now

Home ownership solutions that help you move in now—and own later.

Our Assisted Purchase Program (APP) helps people in Greater Sudbury who may have been turned down by traditional lenders due to poor credit history. If you're wondering how to buy a house with bad credit, our program offers a solution. With our program, you can take the first step toward homeownership in Ontario.

Family playing with a child in a cardboard box in a kitchen.

Who we help

We specialize in helping people in Greater Sudbury who’ve hit real roadblocks:

  • You’ve been denied a mortgage by the bank or a credit union

  • You’re new to Canada, new to your job, or facing debt challenges

  • You’re self-employed and your income doesn’t fit the bank’s mold

  • You’re in or recovering from bankruptcy or a consumer proposal

  • You’re tired of renting and feel like you’ll never get ahead

Young couple signing mortgage at bank

What is the Assisted Purchase Program and how does it work?

The Assisted Purchase Program is a practical, inclusive path to homeownership—designed for individuals and families who want to buy a home but don’t qualify for a traditional mortgage.

Here’s how it works:

  1. You choose the home you want (yes, really—right off the MLS).

  2. We guide you through the process and support you all the way to mortgage approval.

  3. You move in and start living in your new home!

While you're living in the home, we help you become mortgage-ready through a clear, step-by-step plan.

A joyful couple sitting at a table, holding papers and a calculator, celebrating while signing mortgage papers.

What makes the Assisted Purchase Program a smart move?

  • Woman on couch with two dogs

    You start building equity now

  • Two wooden Adirondack chairs near a stone fire pit with logs and sticks, set on a brick patio with greenery in the background.

    You stop throwing money away on rent

  • Couple holding keys of first house

    You lock in today’s pricing (instead of getting priced out later)

  • White house with a green lawn

    You gain stability, pride of ownership, and a real path forward

Who qualifies for the Assisted Purchase Program?

To qualify for our Assisted Purchase Program—a trusted option for those seeking a bad credit mortgage in Ontario—you’ll need:

  • 5% minimum down payment

  • Proof of income (self-employed is fine!)

  • Willingness to participate in a full financial review

  • Located in Greater Sudbury or surrounding communities

Apply now
Couple packing up boxes in living room

How the Assisted Purchase Program works, step-by-step

If you're wondering how to buy a house with bad credit, this program is built specifically for you.

1. Initial consultation

We review your situation, explain the math, and answer all your questions.

2. Document review

You provide proof of income and source of down payment.

3. Home search

Together, we find homes that meet your needs and budget.

4. Offer & contract

A contract is created based on the property you choose, and you have the opportunity to review it with independent legal advice (ILA).

5. Move in!

Time to celebrate!

Frequently Asked Questions about the Assisted Purchase Program

Please reach out to info@milestonegold.com if your question is not answered here.

  • Yes. If your situation changes and you would like to leave the program, all you have to do is cover any investor mortgage penalties and closing costs at that time. 

  • Yes, the rates are extremely reasonable. APP rates are significantly lower than credit cards and private lenders, and are comparable to B lenders.

  • The minimum down payment is 5% of the home you choose.

  • Yes—as long as it fits within your approved budget and qualifies under our criteria.

  • No. The Assisted Purchase Program is different—it’s a bridge to homeownership, not a rental agreement. While you do live in the home right away, the focus is on helping you repair your credit, build financial stability, and secure a traditional mortgage so you can fully own your home with confidence.

  • Yes, you can absolutely put down more than 5%. In fact, the more you put down, the less your monthly obligations are. There are no penalties or downsides—it simply reduces your mortgage amount and makes your path to ownership even stronger.

  • Absolutely. Our Assisted Purchase Program is specifically designed to assist individuals in Greater Sudbury, Ontario who are navigating the challenges of obtaining a bad credit mortgage.

  • Yes—absolutely! We’re proud to support newcomers to Canada who want to build a life in Greater Sudbury. Our program offers a practical pathway to homeownership, even if you haven’t established credit yet. We also connect you with resources to help with permanent residency and long-term financial stability.

A happy family holding a set of keys, symbolizing moving into a new home.

Milestone Gold believes everyone deserves a second chance—and a clear path to home ownership. 

❋  Secure a home you love
❋  Fix your credit while living in it
❋  Take control of your future

Apply Now

Interested in securing a bad credit mortgage in Sudbury, Ontario?

Fill out our form to determine if our Assisted Purchase Program is right for you.