Construction & Renovation Loans

Construction and renovation loans provide staged funding based on project milestones, ensuring you have capital when needed without over-borrowing. Whether building a custom home from the ground up, completing a major addition, or renovating an older property to modern standards, we arrange draw-based financing that releases funds as work progresses.

Lenders assess project plans, contractor quotes, and property appraisals to determine loan amounts—often up to 80-85% of the completed value. Renovation financing can transform undervalued properties into high-equity assets, making it a favorite strategy for investors and homeowners alike.

We help navigate municipal permits, construction timelines, and holdback requirements, connecting you with lenders who specialize in these unique loans. From teardowns to full gut renovations, construction financing unlocks the potential of land and aging properties across Canada.

Construction financing differs from traditional mortgages because funds are advanced in stages as the project progresses—foundation, framing, mechanicals, finishing. This protects both borrower and lender by tying funds to actual work completed. We coordinate with builders, manage draw requests, and ensure smooth funding throughout your project timeline.

Whether you're building your dream home, renovating a fixer-upper for resale, or adding a legal suite for rental income, construction financing provides the capital needed to bring your vision to life. Our expertise in managing these complex loans ensures your project stays on track financially from groundbreaking to final inspection.