How much can you save on a home?

Try our calculator below to see the difference yourself. Watch your payments grow and shrink, based on your credit score.

*Typically at least 5% of the mortgage amount

*Interest Rate

Monthly Payments

Monthly Interest

Down Payment

Total interest paid

Interest with better credit

Total interest paid

Savings with better credit
You qualify for the best interest rates available
You can now negotiate with lenders for the best rates
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We do things differently.


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Every payment you make gets reported to the credit bureaus, giving you that all important positive payment history.


Build your savings

By the end of your program, you'll have a stash of cash to use however you like*.


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Say goodbye to no

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How Do You Improve Your Credit Score When Buying a Home

Despite the huge hurdles, Canadians are still determined to be homeowners. We are tugging on those tethers trying to keep us from our goal. Against the odds, we're saving our down payments and opening our minds to smaller properties so we can pass the stress test. If you are one of these Canadians, determined to own a home no matter what is put in your way, you need to know how to protect your credit score through this process.

Here is some helpful insight in how to improve your credit score, in order to get the home and home mortgage you want.


How To Prepare Financially For Buying a Home

Buying your first home is exciting and rewarding, but it can also be very stressful, especially if you have poor credit and bad money habits. You can, however, reduce the stress of buying a home by ensuring you're financially prepared to do so. Here are four ways to ensure your finances are in order, before you start the process of buying your very first home.

*Savings begin to be built after paying off initial commitment fee.

I've done pay day loans in the past but didn't know a whole lot about credit until recently. So I checked into my credit score. I was very disappointed to find that I had a 0 credit score as I have never had or needed any credit cards or lines of credit. I knew I wanted to buy the house I live in so I knew work was needed, but I never thought it would be as easy as purchasing REFRESH!!! I bought it in June of this year, waited or 2 months and was approved for my first credit card. I was so excited. It gets better!!! Then I waited 5 months, and would you believe it. Only 5 months after purchasing refresh my credit score was strong enough to finally get approved for my first brand new car with no down payment, low biweekly payments, no cosigner, and no car trade in. My bank also tells me if everything stays good I will own my home within a year. After years of thinking there was no hope I am only months away from owning my home. THANKS REFRESH!!!! Please share this story with everyone you can! ”

Emily, Truro, NS