Home Renovation Loans in Ontario
Upgrade with confidence.
Private renovation financing for homeowners completing kitchen remodels, additions, basement finishes, structural upgrades, or major property improvements.
Whether you're modernizing your home, increasing property value, or completing unfinished work, we focus on available equity and property strength — not rigid bank income rules.
Private Renovation Loans — Equity-Based Lending
Traditional lenders make renovation loans tough.
Rates starting from 10.99%
Clear options — often within 24–48 hours once details are confirmed
Flexible draw schedules
We finance renovation-only projects or combined land and construction scenarios.
Low documentation requirements
No single minimum credit score
Income flexibility (file-dependent)
Ontario-wide (priority to GTA, Vaughan, Toronto, York Region)
Appraisals reviewed through Lendworth’s proprietary valuation model
Build now — without bank delays.
Renovation 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+
Loan-to-value: Structured using completed value (ARV), location, and project risk
Advance Type: Draws or holdbacks
Rates: Starting from 10.99%
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 homeowners who need clear, equity-based renovation-loan options.
Lendworth makes renovating your dream home simple, reliable, and stress-free.
Top Renovation Loan questions answered
Get a quick renovation loan approval
We finance custom home builds, major renovations, additions, structural upgrades, infill projects, and small-scale development across Ontario. Approval is based on project viability and available equity.
Initial lending decisions are often provided within 24–48 hours once key project details and property information are reviewed. Funding timelines depend on appraisal and documentation completion.
Preliminary details are usually sufficient to begin review. For funding and draw structuring, finalized plans, budgets, and required permits must be in place.
Funds are typically released in structured stages based on project milestones. Draw schedules are tailored to the build timeline and verified through progress confirmations.
Often, yes. Private construction financing focuses on property equity, project strength, and exit strategy — not rigid bank income formulas or strict credit score thresholds.
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.