Path Finder — Worthy Investments
Path Finder

Find Your Path to
Homeownership.

Answer a few questions to see which structured ownership pathway may fit your situation. We assess your position — not judge it.

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Takes under 3 minutes
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No hard credit check
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No obligation to proceed
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Private & secure
Your Progress
1
Savings Position
2
Credit Band
3
Income Type
4
Timeline
5
Residency & Credit
6
Employment
7
Current Housing
8
Location
9
Ownership Preferences
10
Environment
11
Property Wish List
12
Your Details
Step 1 of 12 · Savings Position
How much do you currently have saved toward purchasing?
Savings does not need to cover the full down payment. Select the range that best reflects your current position.
Under $5,000
Early stage — building toward a savings position
$5,000 – $15,000
Some savings in place, working toward a larger goal
$15,000 – $30,000
Meaningful savings — may be bridgeable with structure
$30,000 – $50,000
Strong foundation — likely within range for structured review
$50,000 – $100,000
$100,000 – $200,000
$200,000+
Step 2 of 12 · Credit Band
Which range best describes your current credit?
If you're unsure, select the closest estimate. This is not a hard inquiry.
Below 600
Credit rebuilding required — Vendor Financing pathway may apply
600 – 649
Workable — may qualify for structured review depending on other factors
650 – 699
Approaching conventional range — Low Down Payment pathway likely
700+
Strong credit — well positioned for Low Down Payment pathway
Your credit score is used for pathway assessment only — no credit bureau inquiry is made at this stage.
Step 3 of 12 · Income Type
What best describes your income situation?
Self-employed and variable income situations are common — and fully workable with the right structure.
Employed with pay stubs
T4 income, regular employment — most straightforward income documentation
Self-employed
Business income, sole proprietor, incorporated — income documentation strategy needed
Commission or variable income
Income varies month to month — averaging and documentation are key
Other / combination
Multiple income sources or non-traditional arrangements
Step 4 of 12 · Purchase Timeline
When are you hoping to purchase?
Your timeline determines which pathway structure is realistic for your situation.
0 – 3 months
Immediate — requires existing readiness in place
3 – 6 months
Near-term — Primary target for Low Down Payment pathway
6 – 12 months
Medium-term — allows for structured preparation and positioning
12+ months
Longer runway — Vendor Financing or preparation pathway applies
Step 5 of 12 · Residency & Credit History
Are you new to Canada?
This helps us understand which ownership pathways may apply to your situation.
No
Yes — arrived within the last 2 years
Yes — arrived within the last 5 years
Do you currently have Canadian credit history?
Established Canadian credit history
Limited Canadian credit history
No Canadian credit history yet
Step 6 of 12 · Employment Type
What type of employment do you currently have?
Select the option that best describes your current situation.
Full-time employment
Self-employed or business owner
Contract / consulting income
Newly employed in Canada
Other
Step 7 of 12 · Current Housing
Are you currently renting in Canada?
Your current housing situation helps us assess transition timing.
Yes
No
Temporary accommodation
Some applicants who are new to Canada may face challenges qualifying through traditional lending due to limited Canadian credit history. Worthy may help coordinate structured ownership pathways for qualified newcomers based on income, savings, and overall financial position. All financing remains subject to lender underwriting and applicable regulations.
Step 8 of 12 · Location
Where are you looking to buy?
Property availability through Worthy and partner inventory varies by market. This helps us assess alignment.
Worthy primarily operates in BC. Buyers in other provinces may still qualify for certain advisory services — please complete the form and we will assess.
Step 9 of 12 · Ownership Preferences
What type of ownership opportunity are you open to?
Select all that apply.
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Traditional Home Purchase
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Co-Ownership with Another Buyer
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Downtown Co-Living
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Co-Living / Shared Housing
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Acreage / Farmland
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Small Homestead
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Like-Minded Lifestyle Communities
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Private Membership Structure
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Flexible — Open to Multiple
Some ownership opportunities may involve alternative structures such as co-ownership arrangements, shared housing, urban co-living, or private membership entities where multiple individuals participate in ownership or use of a property. These opportunities vary by project and are evaluated individually based on legal, financing, and market considerations.
Step 10 of 12 · Environment Preference
What type of environment are you seeking?
Select the option that best describes where you'd like to live.
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Downtown / Urban Living
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Standard Residential Neighbourhood
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Rural Acreage
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Farm or Homestead Property
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Quiet Lifestyle Community
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Investment-Focused Opportunity
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Open to Multiple Options
Step 11 of 12 · Property Wish List
What type of property are you looking for?
Select all that apply. This helps with property alignment, not qualification scoring.
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Detached Home
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Condo
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Duplex
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Multi-Family
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Rancher
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Multi-Level
Property access is subject to qualifying inventory. Availability varies by market and qualification.
Step 12 of 12 · Your Details
Where should we send your result?
Your Path Finder result will be ready immediately. We'll also send a copy to your email with your next-step checklist.
Your information is kept private and used only to assess and route your pathway inquiry. No hard credit inquiry is made at this stage.
Assessing your position…
Reviewing savings, credit band, income structure, and timeline.
Path 1 Indicated

Low Down Payment Strategy

Based on your responses, you appear to be a candidate for the structured Low Down Payment pathway. Your position warrants a formal review with David.

What this pathway provides
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Down payment structuring strategy and capital alignment
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Financial review and readiness scoring
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Coordinated introduction to aligned mortgage partners
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Defined execution roadmap with clear milestones
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Access to Worthy's limited curated property inventory upon approval
Important

Mortgage approval depends on income, credit profile, property qualification, and lender underwriting. Approved applicants gain access to our curated inventory of qualifying properties. There is no upfront fee to attend your initial Strategy Session.

Schedule Your Strategy Session → Return to Homepage
Worthy provides structured ownership pathway planning and coordination services. We are not a mortgage lender or brokerage. All financing remains subject to qualification, underwriting, legal documentation, and applicable regulations.
Path 2 Indicated

Vendor Financing Strategy

Your responses indicate that a structured vendor financing agreement may provide a practical ownership pathway while you strengthen your credit and financial position.

What this pathway provides
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Structured vendor agreement strategy and planning
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Defined 5–10 year exit strategy
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Personalized credit rebuilding roadmap
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Access to Worthy's limited curated inventory of vendor-financed properties upon approval
Important

Vendor financing is available only on qualifying properties from our curated inventory. All agreements require formal legal documentation and compliance review. There is no upfront fee to determine eligibility or attend your initial strategy session.

Schedule Vendor Strategy Session → Return to Homepage
Worthy provides structured ownership pathway planning and coordination services. We are not a mortgage lender or brokerage. Vendor financing is available only on qualifying properties and is subject to legal documentation and applicable regulations.
Preparation Phase

Preparation Required

Based on your responses, strengthening your financial position will significantly improve your ability to transition into a structured ownership pathway.

This is not a rejection. It is a strategic preparation phase.

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Savings Target Development
Define a realistic savings milestone and timeline
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Credit Improvement Strategy
Structured approach to reaching the qualifying credit band
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Income Documentation Planning
Organize income records to support lender requirements
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Timeline Alignment
Set a realistic target window for pathway re-entry
No upfront cost

There is no fee to review your situation and outline your preparation plan. Once milestones are met, you gain access to Worthy's curated inventory of qualifying properties.

Schedule Preparation Session → Return to Homepage
Worthy provides structured ownership pathway planning and coordination services. We are not a mortgage lender or brokerage. All pathways subject to qualification, underwriting, legal documentation, and applicable regulations.