Not all renovations increase your home value — but the right ones can add tens of thousands of dollars.
Ontario homeowners are upgrading now more than ever, especially after several years of fluctuating home prices, higher rates, and a growing trend toward staying in place rather than moving.
And with buyers becoming more selective and appraisers more strict, the right renovation can dramatically increase your home value, equity, and borrowing power.
Even better?
You don’t need cash on hand.
You don’t need perfect credit.
You don’t need bank approval.
Lendworth specializes in renovation financing powered by your home equity, so you can upgrade your home now and pay later — easily and affordably.
Before you start tearing down walls, here are the top renovations that deliver the biggest value boost in 2026.
🔥 1. Kitchen Upgrades — Still the #1 Value Booster
Nothing increases home value or buyer appeal more than a modern, functional kitchen.
2026 high-ROI kitchen upgrades:
Quartz or stone countertops
Energy-efficient appliances
Updated cabinets (refacing saves money)
Modern lighting
Open-concept layout changes
New backsplash or flooring
Avg. ROI: 60–85%
Typical Equity Increase: $20,000–$60,000 depending on home type
How Lendworth helps:
Use your equity to fund a full kitchen makeover — with fast approvals and flexible repayment.
🔥 2. Basement Apartments & Legal Secondary Suites
Secondary suites are exploding in demand across Ontario.
Why?
Because buyers want:
✔ rental income
✔ multi-generational living
✔ mortgage offset options
What adds major value in 2026:
Fully finished basement
Legal second unit with separate entrance
Soundproofing
New flooring
Full bathroom and kitchenette
Avg. ROI: 70–120%
Rental income can add $250,000+ in appraised value depending on the property.
How Lendworth helps:
Finance your basement conversion even if the bank says no — based on your home equity, not your income or credit.
🔥 3. Bathroom Remodels
Next to kitchens, bathrooms offer some of the strongest value increases.
2026 biggest bathroom value drivers:
Walk-in shower
Freestanding tub
Double vanity
Heated floors
Modern tile
Updated plumbing fixtures
Avg. ROI: 55–75%
Equity Increase: $10,000–$30,000
How Lendworth helps:
Quick renovation loans from your home equity — perfect for upgrading one or multiple bathrooms.
🔥 4. Energy-Efficient Upgrades (Huge for 2026 Buyers)
With utility costs rising and Ontario buyers looking to save, energy efficiency adds real value.
High-impact upgrades:
New windows
Heat pumps
Insulation & air sealing
Energy-efficient appliances
Smart thermostats
Solar (where applicable)
Avg. ROI: 50–80%
How Lendworth helps:
Turn equity into long-term savings — and increase appraised value for future refinancing.
🔥 5. Exterior Improvements — First Impressions Matter
Curb appeal is skyrocketing in importance as inventory grows and buyers judge homes instantly.
Top exterior upgrades that increase value:
New siding or stone
Front door upgrade
Garage door replacement
Landscaping
Driveway paving
Exterior lighting
Avg. ROI: 60–100%
How Lendworth helps:
Fast funds for exterior facelifts that dramatically improve resale value.
🔥 6. Open-Concept Living — Still a Major Value Magnet
2026 buyers want space, light, and flow.
Removing non-structural walls or opening key areas creates a premium feel buyers love.
High-value structural changes:
Open kitchen/living area
Larger primary bedroom
Modern open staircases
Vaulted ceilings (where possible)
Avg. ROI: 50–70%
How Lendworth helps:
Finance structural upgrades quickly using your existing home equity — with simple approvals.
🏡 Which Renovations Add the MOST Value to Your Home?
Every home is different — and every neighbourhood has different buyer expectations.
Before renovating, get a free lender-grade home value report so you know exactly:
your current home value
how much equity you have
which renovations will increase value the MOST
how much you can borrow for upgrades
Get your report in 2 minutes:
👉 Free: Lendworth EquityCheck™
https://www.lendworth.ca/equity-check
💸 How Lendworth Helps You Pay for Renovations (Even if Banks Say No)
Big renovation plans?
Lendworth offers simple, fast financing solutions:
✔ Renovation Loans
Borrow $25K–$500K using your home equity.
✔ Second Mortgages
Great for major upgrades or full home remodels.
✔ HELOC Alternative
Flexible, interest-only options available.
✔ Refinance Options
Lower your payments AND fund your renovations.
✔ Fast Approvals
No bank rules. No stress test. No hassle.
✔ You can qualify even with:
bad credit
high debt
self-employment
past late payments
If your home has equity, Lendworth can help.
🚀 Ready to Boost Your Home Value in 2026? Start Here
Whether you’re renovating to increase value, prepare for resale, or simply upgrade your lifestyle — Lendworth can help you finance it quickly and affordably.
Start with your free valuation:
👉 Get Your Free EquityCheck™ Report
https://www.lendworth.ca/equity-check
Know your equity.
Grow your equity.
Use your equity smartly — with Lendworth.