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Fund Your Renovation Through Your Mortgage Refinancing to renovate lets you access your home equity to fund renovations at mortgage...
Takes 30 seconds. No credit check required.
Refinancing to renovate lets you access your home equity to fund renovations at mortgage rates instead of paying for upgrades with high-interest credit cards or personal loans. Whether you are doing a kitchen remodel, adding a basement suite, or a major structural renovation, mortgage financing is almost always the most cost-effective way to fund the work.
You refinance your existing mortgage for a higher amount, with the difference going toward your renovation project. Since the renovations increase your property value, you are essentially investing in your home while financing at the lowest rates available.
If you are buying a home that needs work, the Purchase Plus Improvements program lets you add renovation costs to your purchase mortgage. You finance the purchase price plus the renovation budget in one mortgage at one rate, rather than taking out separate financing for the work.
Mortgage refinance for renovations: access equity from your current home. Purchase Plus Improvements: add renovation costs to a new home purchase. HELOC for renovations: draw funds as needed during the project. Second mortgage for renovations: keep your existing first mortgage intact. We evaluate which option makes the most financial sense for your specific project and situation.
Tell us about your situation. We review your needs, goals, and financial picture — quick and confidential.
We compare rates and terms from our network of banks, credit unions, B-lenders, and private lenders to find your best match.
Once you choose your best option, we handle the paperwork and guide you through to funding — fast and stress-free.
Fully licensed and regulated in Ontario. Your interests are legally protected.
Clear terms, honest guidance, and a dedicated agent working to get you the best deal.
Pre-approvals in 24 hours. Private lender funding in as little as 48 hours when time is critical.
We shop your application across banks, credit unions, B-lenders, and private lenders Canada-wide.
Get a personalized rate quote in under 60 seconds. No hard credit check required.
Fully licensed, operating under 8Twelve Mortgage Corporation (Lic#13072).
Access to Canada's largest network of banks, credit unions, B-lenders, and private lenders.
Get a response within 2 business hours. Many approvals within 24-48 hours.
Expert guidance with zero pressure. We work for you, not the banks.
A licensed mortgage agent will personally review your situation and call you back within 2 hours. No pressure, just expert guidance.
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Mortgage services provided by 8Twelve Mortgage Corporation, licensed mortgage brokerage (Lic#13072).
Have questions about your mortgage options? Book a quick call with a licensed agent — no pressure, no obligation.
