Who can join
Patry residents with a steady household income who can pay market rent. Preference goes to first-time buyers and to anyone who has not owned a home in the last four years.
Rent Today. Own Tomorrow.
Keys in Hand
Your rent can build toward a home of your own.
What Is Keys in Hand?
Rent-to-own, without changing how you rent
Keys in Hand is a rent-to-own program from Patry Group. While you rent, your monthly rent builds credit toward a down payment of up to 5%* on a home of your own.
When you are ready to buy, those credits go toward a Patry condo, townhome or house in the Kingston area. There are no fees to join, and nothing is due up front.
Up to 5%*
Down payment built from your rent
$0
In fees or sign-up costs
Transferable
Credits may pass to an immediate family member
How It Works
Four steps from your first month's rent to the keys in your hand
1
Move In
Lease from a participating Keys in Hand rental provider to be enrolled.
2
Build Credits
Every month of rent builds credit toward a down payment of up to 5%* on your future home.
3
Choose Your Home
Pick a home from Patry's partner home communities in the Kingston area.
4
Get the Keys
Your accumulated rent credits become the down payment on your new home.
Good to Know
Before you get started
You still qualify for a mortgage
Keys in Hand builds your down payment, but lenders' requirements still apply. The program's mortgage specialists and financial advisors help with credit building and pre-approval along the way.
Works with government programs
Rent credits can be combined with a First Home Savings Account (FHSA) and other first-time buyer incentives.
Not buying? Pass it on
If homeownership is not your next step, your credits may be transferable to an immediate family member, depending on your circumstances.
*Credit levels vary by building and are subject to the Keys in Hand program terms. Contact the Keys in Hand team for the terms that apply to you.
Book a Free Consultation
Your rent is already working. Are you?
The Keys in Hand team can tell you what applies at Santé Apartments and walk you through the next steps.