Course Library

Learn at your own pace

Six courses carry you from your first questions about HOPE through to completing your purchase at Year 10. Start with the Starting Course whenever you are ready.

Is HOPE Right for You?
A complete, honest look at how HOPE works — before and at the start of your pathway.
8 lessons Before and at the start of your pathway
98%
BC price growth per decade over 80 years
10×
net worth gap: owners vs renters under 35
Lesson 1
The problem nobody solved, until now
Lesson 2
Own when you are strongest, the idea HOPE is built on
Lesson 3
The agreed price, your fixed target in a moving market
Lessons 4–8
What you pay, the ten-year building period, your agreement, real costs, and how HOPE compares

Building Your Foundation

1
Locked
Strengthen Your Household Budget
Build a budget that carries you to Year 10. Your occupancy contributions are your primary housing cost during the building period, so managing them well is the foundation of everything that follows.
10 lessons Months 1 to 6, Years 1 to 3
  • 1
    Know your actual spending
  • 2
    The 50/30/20 framework
  • 3
    The housing-to-income ratio
  • 4
    Automate savings on payday
  • 5
    Attack subscriptions and silent leaks
Unlocks after the Starting Course
2
Locked
Build Your Credit Score
The score that matters most at Year 10. You do not need a perfect score, you need one that supports qualification, and HOPE gives you years of runway to build it.
5 lessons Months 2 to 9, Years 1 to 4
  • 1
    What a credit score actually is
  • 2
    The five factors and what they mean
  • 3
    The utilisation ratio, your fastest win
  • 4
    Your 12-month improvement plan
  • 5
    Credit and your Year 10 mortgage application
Unlocks after Course 1
Locked
Steady Through the Middle Years
Keeping momentum when Year 10 still feels far away.
8 lessons Years 3 to 7
Unlocks after Course 2
Locked
Getting Mortgage Ready
Preparing for the home stretch.
7 lessons Years 8 to 9
Unlocks after Course 3
Locked
Completing Your Purchase at Year 10
From agreed price to your own front door.
5 lessons Year 10
Unlocks after Course 4