Banks are often reluctant to fund a project mid-construction or a property that isn't yet livable. Private construction financing is built specifically for infill builds, additions, and major renovation projects.
Construction and renovation private financing provides short-term capital, typically released in draws tied to project milestones, for infill builds, additions, and major renovations across Ontario. Because it is secured against the property's as-complete value, it fills a gap traditional lenders often avoid: properties that are mid-construction or not yet habitable.
Traditional mortgages assume a finished, insurable home. Construction financing assumes the opposite — and plans for it.
Funds release in stages as milestones are completed — foundation, framing, lock-up — managing risk for both sides.
Lending is based on the property's appraised value once construction is finished, not its current unfinished state.
Whether you're a professional builder or an owner managing your own infill project, financing is structured around your role.
Capital is released in step with your project, not all at once.
Share your construction plans, budget, and timeline so we can assess as-complete value.
An appraiser estimates the property's value once your project is finished, setting the lending basis.
A milestone-based draw schedule is agreed upon — typically foundation, framing, lock-up, and completion.
An inspector confirms each stage before the next draw is released, keeping the project funded end to end.
This is built for real construction and major renovation projects with a clear budget and timeline.
What builders and homeowners ask before starting a draw-based project.
Share your project scope and budget for a draw-schedule assessment.
