Finding a place to call home is anything but sweet

The Toronto housing market can feel overwhelming for first-time buyers, with endless hours spent searching MLS listings, crunching numbers into mortgage calculators, and worrying about saving a large down payment. The process is anything but simple.

Finding your first home should feel more like an exciting milestone than a stressful challenge. After all, home is where we build connections, create comfort, and enjoy stability. But for many first-time buyers, two key hurdles stand in the way: saving enough for a down payment and qualifying for a mortgage.

At Key, we believe homeownership shouldn’t feel out of reach. Our innovative program allows aspiring homeowners to start owning with a 2.5-5% down payment and no immediate mortgage qualification required. Over a 5-year term, your monthly payments help you move closer to full homeownership at a predetermined price.

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A New Way to Start Owning

Key’s program simplifies the path to homeownership. You can begin your homeownership journey with as little as 2.5-5% down, far less than the typical 20% required by traditional ownership. You’ll benefit from any increase in your home’s value during your 5-year term. At the end of the term, you’ll be ready to qualify for a mortgage to secure full ownership, with guidance from Key throughout the process.

This model enables first-time buyers to live in the home they’re working toward owning—without feeling locked out of the housing market.

Why Homeownership Matters

Homeownership offers more than financial benefits; it provides stability, community, and a foundation for a better future. Research shows that living in a home you own contributes to stronger communities, lower stress, and healthier families. For first-time buyers in cities like Toronto, where housing prices can make ownership feel unattainable, programs like Key are transforming what’s possible.

Your “Home Sweet Home” Starts Here

Key is on a mission to make homeownership achievable, starting in Toronto. With a lower barrier to entry, clear steps, and a program designed to work for you, finding your first home doesn’t need to feel daunting. We’re excited to welcome aspiring homeowners into a program that helps you move toward full ownership—one step at a time. Learn more about how Key's program works here.

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Creating a new way for a first time home buyer to have their own “home sweet home” inspires us. We’re excited to launch in the Toronto housing market and then expand globally. We’d love you to share our journey and we look forward to welcoming our new neighbours.

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This article may include AI-assisted content. While we aim for accuracy, please double-check details or consult a professional if needed.

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