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What Our Clients Say
Brandy and Tom of Sprout Properties are exceptional people, both personally and professionally, bringing positivity, kindness, and a clear sense of purpose to everything they do. They have a strong vision and are intentional in how they work, always striving for the best outcomes for their clients. Their commitment to helping people become homeowners is evident in the care they provide throughout the process. Brandy and Tom build strong, trusting relationships with both clients and partners, always operating with integrity. I would work with them without a moment’s hesitation.
Margaret Douglin
How Can I Buy a Home with Bad Credit in Barrie
A strong credit score is required to qualify for a traditional mortgage, but if your credit isn’t where it needs to be, that doesn’t mean homeownership is out of reach.
At Sprout Properties, we offer a flexible rent-to-own program that can help you purchase any home listed for sale in Barrie, regardless of your current credit situation. Our program is designed for buyers who are working on improving their finances but are ready to take the next step toward owning a home.
Contact us today to learn how we can help turn your homeownership goals into reality.
Why Rent to Own in Barrie
Rent‑to‑own offers a flexible entry into a thriving, strategically located community. You benefit from:
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Living now in a home you can own—without mortgage qualifying hurdles
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Capitalizing on rising home values in a strong real estate market (avg ~$600–790 k vs. GTA higher prices)
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Building equity while enjoying the recreational, educational, and economic perks of Barrie’s lifestyle
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Positioning for the future as the city continues growing, with infrastructure investment and population inflows ahead
Barrie delivers a rare blend: mid-sized, vibrant, amenity-rich living with room to grow—ideal for those eyeing a rent‑to‑own path toward homeownership.
Rent to Own Barrie and Area Requirements
Minimum Household Income
$140,000
Minimum Down Payment
$24,000
*While we generally look for a minimum credit score of 500, please note that this requirement is subject to change.
Minimum Credit
500*
Do you meet the requirements for Rent-to-own in Barrie, Ontario and area?
Our goal is to support your long-term success, not just helping you move into a home, but ensuring you’re fully prepared to qualify for a mortgage by the end of your Rent-to-Own term.
To do that, certain minimum criteria need to be in place. If you’re not quite there yet, that’s okay—it may simply mean the timing isn’t right.
You can still apply now to get connected and receive more information, and we’ll happily guide you toward your next steps so you're ready when the time is right.
Barrie Key Features
Population & Growth
Growing Mid‑Sized City (≈153,000 people) with rapid demographic expansion—projected to reach nearly 300,000 by 2051—offering long‑term housing demand and community vibrancy
Economy
Diversified, resilient economy anchored in education (Georgian College, Lakehead STEM campus), healthcare, retail, manufacturing, plus an emerging tech/data‑centre hub (IBM, BMO, Scotiabank)
Exceptional Waterfront & Ski Lifestyle
5 km of beaches, 88 km of trails, over 700 acres of parks, plus skiing (Horseshoe, Snow Valley, Mt St Louis) and boating on Lake Simcoe
Recreation & Cultures
Culture‑Rich Downtown Core bustling with festivals (Kempenfest, Jazz & Blues, Airshow), an art centre (MacLaren), theatre, boutiques, restaurants, and scenic waterfront trails
Connectivity & Services
Excellent Commuter Access—on Highway 400 and serviced by GO Train and Barrie Transit, making it commuter‑friendly to the GTA while maintaining suburban affordability and quality of life
Best Areas to Buy a Rent to Own Home in Barrie, Ontario
Ardagh
Nestled against over 500 acres of protected forest and scenic trails, Ardagh Bluffs is a peaceful, family-friendly neighbourhood known for its natural beauty. With a mix of newer homes and established streets, it’s ideal for those who love outdoor living without sacrificing city conveniences.
Holly
Holly offers a strong sense of community, great schools, and plenty of parks and sports facilities—perfect for active families. With a range of affordable housing options and easy access to Highway 400, it’s one of Barrie’s most popular areas for young families and commuters alike.
Allandale
One of Barrie’s most historic neighbourhoods, Allandale, blends charm and convenience. With mature trees, unique homes, and close proximity to the GO Station and waterfront, it’s a great choice for those who want character, walkability, and easy transit access.
South Shore
Living in South Shore means waking up steps from Kempenfelt Bay. This sought-after waterfront neighbourhood is known for its beautiful views, quiet streets, and high-end homes. It’s perfect for anyone looking to enjoy the serenity of lakeside living with quick access to downtown.
East End
The East End of Barrie is loved for its older, character-filled homes, walkable streets, and established community vibe. With proximity to schools, parks, and the lake, it’s a desirable choice for families and professionals who want charm and convenience rolled into one.