Buying a home feels tougher than ever — between stress tests, higher prices, and rising living costs, affordability is a real challenge. But there ARE strategies that can help you get into the market sooner than you think.

Here are five practical ways to improve your buying power 👇

1️⃣ Look outside the expensive city core

Homes in central urban areas are priced higher because of demand and convenience.

✔️ suburban areas offer better affordability

✔️ more inventory at lower price points

✔️ access to larger homes for the same budget

Exploring surrounding communities can open far more options.

2️⃣ Consider rent-to-own as a stepping stone

Rent-to-own programs let you live in the home while saving the down payment.

✔️ part of the rent goes toward your future purchase

✔️ helps bridge the gap if savings are tight

✔️ provides stability while you build eligibility

It’s not right for everyone, but it can work well with the right structure.

3️⃣ Get pre-qualified with a mortgage broker

A broker can pinpoint what needs improvement before you apply.

✔️ increase your credit score

✔️ reduce or consolidate debt

✔️ explore ways to increase household income

Pre-qualification shows you the exact steps to strengthen your file.

4️⃣ Use a co-signer as a temporary solution

A co-signer can boost your qualifying power until your situation improves.

✔️ increases application strength

✔️ lowers risk for the lender

✔️ can be removed later with an exit plan

Your broker can guide you on when and how to transition off the co-signer.

5️⃣ Save strategically and consistently

Saving may sound obvious, but the right strategy matters.

✔️ automate weekly transfers

✔️ work with a financial advisor

✔️ optimize saving tools like TFSAs

Small, consistent contributions compound faster than you expect.

💬 Final Thought

Affording a home today requires planning, flexibility, and smart strategy — but it’s absolutely achievable. With creative options, smart location choices, and professional guidance, homeownership is still within reach.

If you’d like help improving your affordability or creating a step-by-step plan, message The Frontline Mortgage Group and we’ll walk you through your options.