Financing

A quality renovation shouldn't have to wait. Through our trusted partner Financeit, one of Canada's leading home improvement financing providers, we offer flexible financing that makes your project possible today.

Available from $500 to $100,000
Fast approvals, apply at or after your consultation
Payment options: monthly, bi-weekly, or weekly
Promotional rates and deferred payments available on qualifying plans
Early repayment with no penalties on qualifying plans
Soft credit check for eligibility, no impact to your credit score

☑ You can get an eligibility check and pre-approval without affecting your credit score. All complete financing applications are subject to credit approval and Financeit’s terms and conditions.

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Financeit — Our Financing Partner!

Applying for renovation financing through Maple Leaf Quality Renos is straightforward, most homeowners are approved and ready to move forward within the same consultation:

Step 1 — Request a Quote — contact our team to discuss your project and receive a detailed, itemized estimate based on your specific needs and goals
Step 2 — Apply Online — we provide a secure Financeit application link, completed quickly from your computer or mobile device
Step 3 — Get Approved — many applications receive fast or instant decisions, helping you move forward without delays
Step 4 — Start Your Project — once approved, we finalize project details and begin construction according to the agreed schedule
Step 5 — Make Easy Payments — payments are made directly to Financeit based on your selected repayment plan, monthly, bi-weekly, or weekly

Ready to get started? Contact us today for your free consultation and estimate.

Financing Rates — Prime & Subprime!

No Equity Renovation Financing — Prime

For homeowners with good credit who want unsecured renovation financing without using their home equity:

Loan amount: $1,000 to $100,000
Amortization: up to 180 months (15 years)
No income verification required for amounts under $40,000
No home verification required for amounts under $15,000
Interest rates: 8.99% to 12.99%
Open loan — repay early without penalty on qualifying plans
Instant decision at point of application
Low-interest promotional options available on qualifying projects
Deferred payment options available on qualifying projects

No Equity Renovation Financing — Subprime

For homeowners with limited or challenged credit history who still need renovation financing:

Loan amount: $1,000 to $30,000
Amortization: up to 180 months
Interest rates starting at 9.99%
Credit scores as low as 500 Beacon (credit score) accepted
Open loan
Instant decision at point of application
Deferred payment options available

Secured Personal Loan — Option 1, 2 & 3!

Secured Personal Loan — Option 1

For homeowners who want a secured financing product at a competitive rate:

Loan amount: $4,000 to $40,000
Interest rate: 8.99% plus fees
Minimum 595 Beacon (credit score) or qualified co-signer
120-month amortization
Open loan — early repayment without penalty
Up to 85% loan to value
No appraisal required
No legal fees required
Income verification may be required in some cases
Approved in 1 business day and funded within 2 business days

Secured Personal Loan — Option 2

For homeowners who want a longer interest-free period before payments begin:

Loan amount: up to $60,000
No interest and no payments for the first 12 months
Up to 75% loan to value
Approved in 1 business day and funded within 2 business days

Secured Personal Loan — Option 3

For larger renovation scopes requiring higher loan amounts:

Loan amount: $40,000 to $75,000
180-month amortization (15 years)
Minimum 625 Beacon (credit score) or qualified co-signer
Interest rate: 8.99% plus fees
80% loan to value for homes valued under $1 million; 75% LTV for homes over $1 million
Drive-by appraisal may be required at cost of lending institution
Approved in 1 business day and funded within 2 business days

Other Financing Options — incl. Financeit!

Every renovation investment can be structured in the way that works best for your financial situation. Here are the most common financing approaches GTA homeowners use:

Financeit Renovation Financing — flexible financing from $500 to $100,000 through our trusted partner Financeit, fast approvals, and monthly, bi-weekly, or weekly payment options with no hidden fees
Cash — pay the full project cost upfront from savings, no interest cost, no monthly payment obligation
Personal Loan — fixed monthly payments over a set term, predictable and straightforward, no home equity required
Unsecured Line of Credit — flexible borrowing up to an approved limit with no collateral required, interest charged only on the amount drawn
Secured Line of Credit (HELOC) — borrow against your home equity at lower interest rates than unsecured products, flexible repayment structure
Mortgage Refinancing — roll renovation costs into your mortgage at mortgage rates, lowest available interest rate but longer repayment term
Combination — many homeowners use a mix of two or more options, cash for a portion and financing for the remainder, to minimize interest cost while preserving liquidity

Not sure which approach fits your situation? We discuss financing options during your consultation and can facilitate a Financeit application for flexible renovation financing from $500 to $100,000.

Why choose financing!

Financing your renovation through Maple Leaf Quality Renos and Financeit isn't just a payment option, it's a smarter way to invest in your home without depleting your savings or compromising your scope.

Start Your Project Sooner: Begin your renovation now without waiting years to save the full amount - enjoy the comfort, functionality, and value of your upgraded space from day one
Add Value to Your Property: A well-planned, properly executed renovation improves daily quality of life and delivers measurable long-term value in the GTA real estate market, every month you wait is a month that value isn't working for you
Manageable Payments: Spread the cost into predictable monthly, bi-weekly, or weekly payments that fit comfortably within your household budget - no large lump-sum outlay, no disruption to your financial planning
Simple and Transparent Process: We guide you through every step of the Financeit application - from estimate to approval to project start - so you always understand your options and feel confident moving forward

Projects Eligible for Financing

Financing is available for every renovation scope we complete, from a single bathroom upgrade to a full home transformation:

Design, architectural drawings & permit management
Kitchen renovation, full scope
Bathroom renovation, ensuite, secondary, powder room
Basement finishing, family room, home office, gym, bedroom
Legal basement apartment, full design, permit, and construction
Below-grade / separate entrance construction
Main floor renovation, open concept, kitchen integration, flooring, lighting
Full home renovation, all scopes, all trades, complete transformation
Framing & drywall
Flooring, hardwood, engineered hardwood, LVP, tile, carpet Interior & exterior painting
Windows & doors, full replacement programs
Exterior renovation, roofing, siding, soffit, fascia, eavestroughs
Deck, fencing & landscaping, composite decks, privacy fencing, interlocking
Plumbing, electrical & HVAC, licensed trade scopes
Water heater replacement, tank and tankless
Water treatment, softeners, reverse osmosis, filtration systems
Commercial renovation, offices, retail, restaurants, clinics

Flexible Payment Options!

A beautiful, functional home shouldn't have to wait. Through our trusted partner Financeit, we offer flexible financing from $500 to $100,000, covering virtually every residential and commercial renovation scope, so you can move forward today without depleting your savings.

What's covered: Kitchens, bathrooms, basements, full home renovations, legal suites, roofing, windows, decks, and more
Payment flexibility: Choose monthly, bi-weekly, or weekly payment schedules to fit your budget
Promotional options: Select programs offer promotional rates or deferred payment terms
Early repayment: Pay off your balance ahead of schedule with no penalties on qualifying plans
Fast approvals: Many applications receive instant decisions with no hard credit inquiry
Partial financing: Finance all or a portion, combine with personal savings to minimize interest cost

All financing is subject to credit approval and Financeit's terms and conditions. Ask us about financing options at your free consultation.

Financing vs Savings!

Financing your renovation now means your project gets done immediately, quality of life improves from day one, property value increases right away, and energy savings begin the moment work is complete.

Renovate immediately: Comfort, functionality, and value improvements begin from day one, not years from now
Property value captured now: Every month you wait is a month that increase isn't working for you
Rental income starts sooner: A legal basement apartment generating $2,000/month produces $24,000 annually, often exceeding total financing interest before savings would have reached the project total
Cash reserves preserved: Savings stay available for emergencies, no single large capital outlay that depletes liquidity
Predictable payments: A structured schedule fits your budget rather than disrupting it

Waiting means years of living in the home as it is, deferring value, and risking costly emergency replacements on someone else's timeline. The financially sound choice is moving forward on your terms.

Sample Financing Scenario!

The following scenarios illustrate how financing allows GTA homeowners to undertake meaningful renovations on a payment structure that fits their monthly budget. Note that actual loan amounts, rates, and payment amounts are determined by Financeit based on the individual application. These are illustrative examples only, not a guarantee of specific financing terms.

Renovation Scope → Approx. Investment → Illustrative Monthly Payment*:

Bathroom renovation (mid-range) → $25,000 → ~$450–$550/month over 5 years.
Kitchen renovation (comprehensive) → $55,000 → ~$950–$1,150/month over 5 years.
Basement finishing (900 sq ft) → $65,000 → ~$1,100–$1,350/month over 5 years.
Legal basement apartment → $110,000 → ~$1,800–$2,200/month over 5 years.
Main floor renovation → $80,000 → ~$1,350–$1,650/month over 5 years.
Full home renovation → $200,000 → ~$3,300–$4,000/month over 5 years.
Windows & doors (full home) → $20,000 → ~$350–$450/month over 5 years.
Roof replacement (asphalt) → $15,000 → ~$260–$330/month over 5 years.

*Illustrative monthly payments are approximate estimates for a 5-year loan term only. Actual payment amounts depend on the approved loan amount, the interest rate offered by Financeit based on your application, and the repayment term selected. Bi-weekly and weekly payment options are also available.

How do I apply for Financeit financing?

The easiest way to apply is through us, at or after your renovation consultation. Once we've provided your detailed written estimate and you've decided how you'd like to proceed, we facilitate the Financeit application. The process is completed online and is designed to be quick, you don't need to navigate the application independently without support.

Does applying affect my credit score?

Financeit uses a soft credit inquiry for the initial application, which does not affect your credit score. A hard inquiry may occur if you proceed to a formal loan offer and accept terms, the same standard process that applies to any lending product. We recommend confirming the specific inquiry process with Financeit at the time of your application.

What credit score do I need to qualify?

Financeit assesses applications across a range of credit profiles. They work with homeowners in a variety of financial situations and the approval criteria are applied on a case-by-case basis. We cannot guarantee approval or specific rates for any individual application, those determinations are made by Financeit based on your application. What we can tell you is that Financeit's home improvement lending products are accessible to a broader range of homeowners than many general lending products.

Can I pay off the loan early?

Financeit loan products typically allow early repayment. The specific terms, including any prepayment provisions, are disclosed as part of the loan agreement. We recommend reviewing the specific terms of any loan offer before accepting and asking Financeit directly about early repayment options if that's a consideration for your household.

Can I combine financing with my own savings?

Absolutely. Many homeowners use financing to cover a portion of the project investment and contribute cash savings for the remainder. This approach allows you to minimize the financed amount and therefore the interest cost, while still proceeding with the full renovation scope now rather than waiting until savings reach the complete project total. We structure the financing application for whatever portion of the project cost you'd like to finance.

When do payments begin?

Financeit loan repayment terms begin according to the loan agreement, typically shortly after loan disbursement, which occurs when the renovation project is underway. The specific commencement date is disclosed in the loan agreement. We recommend confirming the payment start date as part of your review of the loan terms before accepting.

What types of projects can be financed?

Most renovation and construction services can be financed, including full home renovations, kitchens, bathrooms, basements, flooring, roofing, windows, and commercial spaces. Financing can cover part or all of your project, depending on your needs and approval.

How much financing is available?

Financing is typically available from $500 up to $100,000, depending on your project and credit approval. This range allows flexibility for both smaller upgrades and larger renovation projects.

How do I apply for financing?

After receiving your project estimate, we provide a secure online application link. The process is simple and can be completed on your computer or mobile device. Applications usually take only a few minutes to submit.

How long does it take to get approved?

Many applications receive fast or instant decisions. In some cases, additional review may be required, but the process is generally quick to help avoid delays in starting your project.

What payment options are available?

You can choose from flexible payment plans, including monthly, bi-weekly, or weekly options. Payment schedules are designed to fit your budget and financial situation.

Are there any hidden fees?

No, the financing process is designed to be transparent. All terms, rates, and payment details are clearly outlined during the application and approval process so you can make informed decisions.