We don't finance projects directly, but most homeowners use one of the options below. We're happy to talk through what fits during your free planning session.
Borrow against your home's equity at lower rates than unsecured credit, drawing only what you need as the project progresses.
Roll renovation costs into a refinanced mortgage — often the lowest-rate option for larger, value-adding projects.
Most major banks and Ontario credit unions offer dedicated renovation or home-improvement loans. Ask your institution about current rates.
For smaller projects and safety installs, an unsecured personal loan or line of credit can be the simplest route.
Government and utility programs sometimes support insulation, heat-pump and window upgrades. Programs change often — for example, the federal Canada Greener Homes Loan closed to new applicants in 2025, with a newer income-based affordability program rolling out through the provinces. We'll help you check what's currently available.
Tell us your project and budget — we'll point you toward the right path.
Get a free quoteBook your free Ottawa planning session. We'll define scope and budget and map the build before any work begins.
