New to Canada.No credit. Need to rent.
Youcanaffordtherent.Thesystemjustcan'tseeityet.
Settle guarantees your rent to the landlord, so income-capable renters get approved without outdated credit checks or personal guarantors.
Pre-qualify in 5 minutes · No impact on your credit score · Trusted by 50+ GTA landlords
Now renting in TORONTO · Greater Toronto Area
The rental gap
Three sides. One broken system.
Everyone in the GTA rental conversation is losing because of one outdated question: what's your credit score? Here's what that costs each of you.
Approved on paper. Rejected in practice.
You earn enough. You've saved enough. But six months in Canada isn't enough for a credit score, and "no guarantor" closes the door before you can open it.
A good tenant is a guess until they aren't.
Credit checks miss income. References get exaggerated. By the time arrears show up, you're three months and a paralegal deep into the wrong decision.
The right client. The wrong paperwork.
You bring qualified renters and the deal stalls on a number that says nothing about whether they'll actually pay. Deals fall through. So do your commissions.
Newcomers, settled
The first lease is the hardest one.
Stories from renters who got approved in their first months in Canada, without a Canadian credit file, without a co-signer.
Approved in four days. I got my apartment in Toronto without a co-signer or a year of rent up front.
Three landlords said no because I had no Canadian credit. Settle said yes the same week I applied.
Six months in, my credit score is real. The rent I was paying anyway is finally counting for something.
As featured in
How it works
Simple. Transparent. Guaranteed.
Five phases. AI-assisted underwriting that sees what a credit score can't.
Zero wait times.
Our concierge handles intake by text or call. Immediate answers, application started the moment you're ready.
Seen for who you are.
We analyze income velocity, savings, and Open Banking signals | not just a 6-month credit file. Decisions in minutes.
Proactive, 24/7.
Multilingual reminders, instant support, and credit-building reporting from day one.
Landlords never miss rent.
If life happens, we bridge the gap. The housing relationship stays secure.
Build your future.
Every on-time payment is reported to Equifax, building Canadian credit from your first lease.
Members-only
Listings you can't find on Kijiji.
Verified units from landlords who pre-accept the Settle guarantee. Address and photos unlock the moment you're approved.
+ 44 more verified listings · Updated this week
Check eligibility to unlock5-minute pre-qualification · No impact on your credit
The math of moving here
"Welcome to Canada.That'll be $26,400 upfront."
Some landlords ask for six months. Some ask for twelve. We've seen twenty-four. For a newcomer with no Canadian credit, the deposit isn't a deposit, it's a hostage.
Settle evaluates income velocity, savings patterns, and expenditure volatility through Open Banking with same-day results.
Where your first $20,000 actually goes
The deposit doesn't just cost rent. It costs everything else.
Every dollar locked in a landlord's account is a dollar not doing the work it was meant to do.
First grocery runs
Stocking a kitchen from zero. ~$600 in week one.
A used car
Most jobs in the GTA need wheels. ~$8,000 to start.
Tuition deposit
Holding your seat in college or a certification.
Emergency buffer
Three months of expenses, the way every advisor says.
Sending money home
The reason many of us moved in the first place.
Furniture & basics
A bed, a desk, a kettle. Empty apartments aren't free.
Rent, redirected
Your money should settle with you, not sit with someone else.
One payment to Settle. Guaranteed rent to your landlord. Prime credit reported in your name. No hostage.
Renter pays
One simple payment (Rent + 5%) to Settle.
Settle verifies
We confirm funds and trigger the guarantee.
Landlord paid
Guaranteed rent lands in the landlord's account.
Versus a 12-month upfront deposit. That's groceries, a car, an emergency buffer, yours, not held.
Why the numbers matter
Rent guaranteed
Landlords are paid on time, every month, in writing.
Pre-qualification
No impact on credit. Same-day decisions.
Coverage
Full-term, written guarantee on every approved lease.
Who are you?
Pick your path. Same guarantee, different door in.
I'm a Renter
Unlock premium housing without a 12-month deposit or Canadian credit history.
Check eligibility