Have Student Loans? Here’s How Ana Bastas Realty Can Help You Own a Home with Rent-to-Own

Think You Can’t Buy a Home Because of Student Loans? Think Again.

Student loan debt is one of the biggest obstacles young professionals and recent graduates face when trying to get approved for a mortgage. Even with a solid income, your debt-to-income ratio could stop lenders from saying “yes.”

The good news? You don’t need to wait years to become a homeowner.
With rent-to-own, Ana Bastas Realty can help you get into your future home now—while you pay down student loans and build your financial foundation.

Why Student Loans Make Mortgage Approval Difficult

Traditional lenders often look at:

• Your total monthly debt payments (including student loans)

• Your gross income

• Your credit score and history

• Your savings for a down payment

If your student loans push your debt-to-income ratio too high, or if you're still early in your career with limited credit history, you may be denied—even if you can afford the monthly payments on a home.

How Rent-to-Own Helps You Buy a Home—Even with Student Loans

Rent-to-own is a smart, flexible option that gives you time to:

• Reduce your student loan balance

• Build your credit score

• Save more for a down payment

• Establish longer employment history

Here’s how it works:

• You choose a home you want to own

• You rent it for a set period (2–5 years) while a portion of your rent goes toward your future down payment

• You lock in the home’s purchase price

• Once you're financially ready, you buy the home at the agreed price

How Ana Bastas Realty Supports Buyers With Student Loans

At Ana Bastas Realty, we understand how frustrating it is to feel financially ready—but get blocked by lenders because of your student debt. Our team specializes in helping buyers who need a realistic path to ownership, even if they’re carrying student loans.

✅ We Work With Rent-to-Own Providers That Understand Student Debt

Not every rent-to-own provider sees student debt as a deal-breaker. We partner with companies that look at your full financial picture and long-term potential—not just what’s on your credit report today.

✅ Tailored Financial Guidance

We’ll connect you with mortgage brokers and financial advisors who help you plan for ownership—strategically paying down student debt while preparing for mortgage qualification.

✅ Expert Property Search

We help you find homes in areas where you want to live and grow—whether it's downtown condos, suburban townhomes, or family-friendly communities in the GTA, Hamilton, Niagara or Ottawa.

✅ Clear, Honest Support

We walk you through every step of the rent-to-own process—from understanding your monthly costs to reviewing legal contracts—so you feel confident and secure in your decision.

You’re Not Alone—Many Young Canadians Are Choosing Rent-to-Own

Whether you're a recent graduate, young professional, or someone who's been paying off loans for years, rent-to-own can give you a head start on homeownership—without waiting to be completely debt-free.

Ready to Talk About Your Options?

📞 Book a free consultation with Ana Bastas Realty today
We’ll help you explore rent-to-own homes that fit your budget, lifestyle, and long-term goals—even if student debt is still part of your story.

👉 www.anabastas.ca
📧 ana@anabastas.ca
📍 Serving the GTA, Greater Hamilton Area, Niagara & Ottawa

Tags: Rent-to-Own Student Loans, Buy a Home with Student Debt, Homeownership with Student Loans, Rent-to-Own Ontario, Ana Bastas Realty, First-Time Buyers GTA, Real Estate for Millennials, Student Loan Mortgage Help Canada