Build the Saver. Support the Buyer. Sustain the Homeowner.

BHOT’s Homeownership Readiness Program is a structured, four-tier pathway designed exclusively for Black Canadian first-time homebuyers. We meet you where you are — whether you’re starting from scratch with credit-building or almost ready to close — and walk with you every step of the way.

Tier 1 — Build Financial Foundation

Budgeting fundamentals, credit education, debt reduction strategy, savings plan, and one-on-one coaching. For members with low or no savings and credit repair needed.

Tier 2 — Build Savings & Mortgage Preparation

FHSA setup and strategy, mortgage basics, debt ratio improvement, and milestone tracking. For members whose finances are improving and beginning to save.

Tier 3 — Prepare for Active Purchase Planning

Mortgage broker access, affordability review, purchase range analysis, real estate process education, and legal guidance. For active savers approaching mortgage eligibility.

Tier 4 — Complete the Purchase

Funding application, cohort reservation, partner professional coordination, and closing oversight. For purchase-ready members with pre-approval and verified savings.