Financing

A beautiful, functional home shouldn't have to wait. We've partnered with Financeit, one of Canada's leading home improvement financing providers, to offer flexible, accessible financing options that make your renovation project possible today. Whether you're planning a focused bathroom upgrade or a full home renovation, our financing options scale to meet your project.

Financing Available: $500–$100,000
Approval: Fast, apply at consultation
Payment Options: Monthly · Bi-Weekly · Weekly
Promotional Rates: Promotional rates or deferred payments
Early repayment: With no penalties (on qualifying plans)
Flexibility: Full project or a portion, your choice

☑ 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.

📞 Call Us | 📧 Email Us | 💻 Apply for Financing

How the Financing Process Works

Step 1. Request a Quote:
Contact our team to discuss your project and receive a detailed estimate based on your needs and goals.

Step 2. Apply Online:
We provide a secure application link, allowing you to apply for financing 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.

Projects Eligible for Financing

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

Why choose financing

1. Start Your Project Sooner: Begin your renovation without waiting to save the full amount and enjoy the benefits of an upgraded space right away.
2. Add Value to Your Property: Well-planned renovations can improve functionality, comfort, and long-term property value.
3. Manageable Payments: Spread the cost into predictable payments that align with your financial situation.
4. Simple & Transparent Process: We guide you through each step, ensuring you understand your options and feel confident moving forward.

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. If a legal basement apartment is in your plans, rental income can begin within months, often exceeding the total loan interest before you'd have saved the full amount. Your cash reserves stay intact, and a predictable monthly payment keeps your budget manageable.

Waiting to save, by contrast, means years of living in the home as it is, deferring value improvements, absorbing ongoing energy losses, and risking that aging systems fail before your savings reach the target — forcing a costly emergency replacement on someone else's timeline.

In many cases, the financially sound choice isn't waiting. It's moving forward on your terms.

Flexible payment options

Our financing solutions are designed to support a wide range of residential and commercial projects, including full home renovations, kitchens, bathrooms, basements, and more. By spreading costs over time, you can complete your project without the burden of a large upfront payment.

Clients can choose from monthly, bi-weekly, or weekly payment plans, depending on what works best for their budget. Some financing programs may also offer promotional rates, deferred payments, or flexible repayment terms, including options for early payoff.

Sample Finacing 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.