Home Renovation Loan
Finance your renovation projects without touching your mortgage
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Amount
$1,000 – $50,000
Term
12 – 60 months
Rate (APR)
9.99% – 46.96%
Collateral
Not required
What is this loan?
The home renovation loan allows you to finance your work without going through mortgage refinancing or a home equity line of credit. Quicker to obtain and requiring no property security, it's the ideal solution for carrying out moderate to significant renovation projects while preserving your mortgage.
Amount
$1,000 – $50,000
Term
12 – 60 months
Rate (APR)
9.99% – 46.96%
Collateral
Not required
Benefits
- No mortgage refinancing required
- No property security required
- Funds available quickly
- Fixed monthly payments
- Can increase property value
- Accessible to homeowners and renters
What can this loan be used for?
Kitchen or bathroom renovation
Roof or siding replacement
Window and door replacement
Heating or insulation system
Basement finishing
Accessibility improvements
Frequently Asked Questions
Do I need to own my home?+
No, some lenders offer renovation loans to tenants for improvements authorized by their landlord.
Is a quote from a contractor required?+
Not necessarily for all lenders, but having quotes ready can speed up the process.
Can I finance both labour and materials?+
Yes, the loan covers all renovation costs: materials, labour, permits, etc.
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