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How Can I Buy a Home with Bad Credit in Saint John
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 Saint John, 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 Saint John
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Move in now, build equity: Rent-to-own gives you a pathway to homeownership while you prepare for a mortgage
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Exceptional affordability: Average home price rose to $340K in 2024 (up ~9%), with a projected price growth of ~3.5% in 2025
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Stable market with negotiating opportunities: Inventory remains moderate (~3.7 months supply) and average days on market (~46), providing room to negotiate
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High quality of life, low cost of living: Saint John residents spend only ~25% of income on mortgage payments—well below the national average
Saint John offers a rare Atlantic Canadian blend: affordability, growth, and urban charm. Rent-to-own here means you can start building equity in a historic waterfront city with strong parks, culture, and ongoing revitalization—right away.
Rent to Own Saint John and Area Requirements
Minimum Household Income$76,000
Minimum Down Payment
$11,000
*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 Saint John, New Brunswick 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.
Saint John Key Features
Population & Growth
City of ~78,200 with metro ~142,000. Population grew by ~3.9% in 2024, driven by newcomers
Connectivity & Services
Efficient local transit, expanding housing initiatives, full urban services, and easy access to scenic Bay of Fundy coastlines
Economy & Employment
Anchored by the port, Irving Oil refinery, and pulp & paper operations, plus growth in energy, IT, and emerging waterfront development (e.g., Fundy Quay)
Education
University and colleges provide hands-on learning with strengths in health sciences, business, and marine biology, preparing students for practical, in-demand careers
Recreation & Parks
Features large urban parks like Rockwood Park (~2,200 acres, UNESCO Geopark) and Irving Nature Park, along with waterfront trails, the City Market, and Reversing Falls
Culture & Heritage
Canada’s oldest incorporated city (1785) rockin’ with heritage architecture (Uptown), festivals, pubs, breweries (Moosehead), museums, and vibrant arts scenes
Millidgeville
One of Saint John's most desirable neighbourhoods, Millidgeville offers a mix of upscale homes, river views, and proximity to the university and hospital. With tree-lined streets, marinas, and great schools, it’s ideal for families and professionals seeking a prestigious and peaceful lifestyle.
Uptown Saint John
The city’s historic and cultural core, Uptown is full of character with heritage buildings, vibrant restaurants, shops, galleries, and waterfront views. It’s perfect for young professionals, creatives, and anyone who loves an urban, walkable lifestyle rich in charm and community spirit.
East Saint John
A practical and growing area with a mix of residential and commercial developments, East Saint John offers affordable housing, big-box shopping, and access to schools and highways. It’s a great fit for families and first-time buyers looking for convenience and value.
Forest Hills
Forest Hills is a quiet, family-friendly neighbourhood known for its schools, parks, and strong sense of community. With a mix of townhouses and single-family homes, it’s ideal for young families and those seeking peaceful suburban living.
Champlain Heights
Located just east of Forest Hills, Champlain Heights offers affordable housing, green space, and a laid-back vibe. It’s a good option for first-time buyers and families who want to stay close to schools, playgrounds, and trails without leaving the city.
Saint John West
This diverse and historic area blends residential charm with scenic views of the Bay of Fundy and Reversing Falls. With easy access to Uptown and the highway, Saint John West appeals to commuters, families, and anyone looking for a mix of city convenience and natural beauty.
Best Areas to Buy a Rent to Own Home in Saint John, New Brunswick
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What Our Clients Say
Brandy and Tom have an excellent program to help people get into home ownership. There is hope for young people to own a home through this program!!
Cassidy Chafe