Construction Loans
Build with confidence.
Lendworth provides private construction financing for custom homes, infill projects, renovations, and small-scale development — with fast approvals, flexible draw schedules, and common-sense lending that banks simply can’t match.
Lendworth Construction Loans
Traditional lenders make construction loans tough.
Rates starting from 11.99%
Fast approvals — same day in most cases
Flexible draw schedules
We fund land + construction or construction-only
Low documentation requirements
No minimum credit score
No income stress test
Ontario-wide (priority to GTA, Vaughan, Toronto, York Region)
Appraisals reviewed through Lendworth’s proprietary valuation model
Build now — without bank delays.
Construction Loans Are Best For?
Perfect for:
Custom home builders
Homeowners building on their own lot
Investors completing renovation/flip projects
Developers doing infill work
Landowners preparing for future development
Borrowers who cannot qualify for bank financing
Self-employed or unconventional income borrowers
If your project has equity and viability — we can fund it.
How Much Can You Borrow?
Financing based on equity and location.
Loan Amounts: $100,000 – $5,000,000+
LTV: Up to 75% of completed value (ARV)
Advance Type: Draws or holdbacks
Rates: Starting from 11.99%
Terms: 6–18 months
Eligible Properties: Detached homes, townhomes, semis, multi-residential (case-by-case)
Your budget and timeline guide the structure.
Our Lending Criteria.
Simple, fast, transparent.
Strong location (GTA, Vaughan, Toronto preferred)
Clear project budget and timeline
Appraisal or ARV report required
Builder experience helpful but not mandatory
Exit strategy required (sale or refinance)
Credit score not a primary factor
Income verification flexible
We finance good real estate — not paperwork.
Trusted by Ontario Builders Who Need Fast, Flexible Construction Financing.
Lendworth makes building your dream home simple, reliable, and stress-free.
Top Construction Loan questions answered
Get a quick construction loan approval
Lendworth funds a wide range of construction projects, including:
• New home builds
• Large-scale renovations
• Additions and extensions
• Tear-down and rebuilds
• Cottage and rural builds
• Investment or spec homes
Whether you’re a homeowner, builder, or investor, we can fund projects banks avoid.
We can provide conditional approval in 24 hours and fund your first draw within 24–48 hours, depending on lawyer availability.
Banks often take weeks — Lendworth moves at the speed your project needs.
Not necessarily.
We can review your project at any stage, including:
• Pre-permit
• Mid-construction
• Near completion
• Build stalled due to lack of funds
If you have equity in the property and a clear project scope, we can help.
Construction loans are typically funded in progress draws, such as:
• Initial land or property draw
• Framing draw
• Enclosure draw
• Mechanical/rough-in draw
• Final completion draw
We move quickly between stages to keep your contractors paid and your build on schedule.
Yes — many borrowers come to Lendworth after being declined by banks due to:
• Self-employment
• Lack of income verification
• Credit issues
• Appraisal complexity
• Non-conforming builds
• Tight timelines
Our approvals are equity-based, making construction financing accessible for more Ontario homeowners and builders.
More Loan Products We Offer
Explore more of our loan options below and find the one that best fits your needs.
Whether you’re exploring first mortgages, looking to tap additional equity through a second mortgage, or preparing for a new property with a purchase mortgage, Lendworth offers fast, flexible solutions for every situation. Homeowners who want to lower payments often choose a refinance, while those needing revolving access to funds may benefit from a home equity line of credit (HELOC). If you're buying before selling, our bridge loans provide seamless short-term financing, and borrowers with unique properties can take advantage of specialized land loans. For major renovations or new builds, our construction loans offer staged funding designed to keep your project moving without delay.
Mortgage Solutions We Offer
We have a solution built around your home equity and your goals.
Whether you need fast access to equity through private lending, flexible solutions designed for self-employed borrowers, or a clear path to debt consolidation, Lendworth provides efficient, borrower-focused options for every situation. Homeowners facing urgent timelines can rely on our support to stop power of sale, manage mortgage arrears, or secure specialized probate and estate loans during challenging transitions. When unexpected expenses arise, our emergency loans offer rapid funding, and clients navigating separation can benefit from our tailored divorce buyout loans that help preserve stability and protect their homeownership goals. Check our FAQs for more information.
Why Borrowers Trust Lendworth
We are a GTA-based private mortgage lender committed to transparency, fast turnaround, and strong investor-backed lending. Our approvals rely on real-world property values, ensuring you receive a fair and accurate offer every time.
Backed by Lendworth MIC’s disciplined underwriting process, we focus on capital preservation, efficient execution, and five-star service.