Contractors’ schedules fill up.
Prices rise.
Timelines stretch.
And homeowners who wait too long to secure financing end up delaying projects — or paying more than they planned.
If you’re considering a construction or renovation project, the smartest move you can make right now is simple:
👉 Lock in your financing before contractors get too busy.
At Lendworth, this is exactly the season we prepare for.
Why Timing Matters More Than Ever in 2026
Ontario’s construction and renovation market is already tightening:
Skilled trades are in short supply
Contractors are booking months in advance
Material costs remain volatile
Banks are slower and more conditional than ever
If you don’t have financing confirmed before you start calling contractors, you risk:
Losing your preferred builder
Paying premium rush pricing
Missing optimal construction windows
In today’s market, approved financing = leverage.
The Biggest Renovation Mistake Homeowners Make
Most homeowners:
Plan the renovation
Get contractor quotes
Then apply for financing
By the time financing is approved (if it’s approved at all), the contractor has moved on.
Smart borrowers reverse the order.
They secure funding first — then book contractors with confidence.
Why Banks Slow Down Construction & Renovation Projects
Traditional lenders often struggle with:
Draw schedules
Incomplete plans
Self-employed income
Property condition during renovations
Tight timelines
That’s why many renovation and construction projects stall before they even begin.
Private, equity-based financing fills that gap.
How Lendworth Helps You Get Construction-Ready
Lendworth specializes in construction and renovation financing designed for real-world timelines.
What We Focus On:
Property value and equity
Clear renovation scope
Sensible loan-to-value structures
Fast, practical approvals
Common Uses:
Home renovations
Additions and conversions
Basement units
Property upgrades before sale
Construction bridges
We structure financing so you can book contractors early and keep projects moving.
Why Early Financing Saves You Money
When your financing is ready:
Contractors take you seriously
You can lock in schedules earlier
You avoid last-minute premium pricing
Projects finish faster
Waiting until peak season often means:
Higher labour costs
Fewer contractor options
Missed deadlines
In construction, speed is money.
Renovation & Construction Are Equity Decisions
In today’s Ontario market, renovation financing is less about income — and more about equity and execution.
That’s where Lendworth excels:
Equity-based approvals
Clear terms
Transparent process
Reliable closings
Final Word: Don’t Wait Until Contractors Are Gone
Construction and renovation season doesn’t wait — and neither do good contractors.
If you’re planning a project this year, secure your financing now so you can move forward with confidence when builders are booking fast.
📞 Call Lendworth today to discuss construction or renovation financing.
Your Equity Deserves More™