Construction Loan Financing Ontario – Flexible Loans for Builders and Home Owners
Canada Capital provides residential construction loans for homeowners, builders, and real estate investors across Ontario. Whether you are constructing a custom home, completing a major renovation, or rebuilding an existing property, we offer flexible financing solutions that support every phase of the project. Our construction loans cover land, materials, labour, and progress draws, ensuring your build stays on schedule without funding delays.
We review the full scope of each project by focusing on the financial strength of the deal and the projected value once the home is complete. To properly assess your request, we take into account the total construction budget, the square footage of the home, the current as-is value of the property, and the estimated completed value after construction. This allows us to structure a financing plan that fits your goals while maximizing your property’s long-term potential.
Why Choose Our Ontario Construction Loans
• Financing available for new builds, tear-downs, additions, and full home remodels
• Suitable for owner-occupied homes and investment properties
• Progress-draw structures to fund each stage of construction
• Fast approvals and clear documentation requirements
• Financing based on both as-is value and completed appraised value
Construction Financing Tailored to Ontario Builders
Ontario’s real estate market requires accessible and dependable capital, especially for projects with tight timelines. Our team understands the local building process, zoning rules, construction costs, and permitting requirements across the province. We review your plans, budget, and timeline with you upfront, ensuring a smooth approval process and predictable draw schedule. With practical terms, fast communication, and a flexible underwriting approach, Canada Capital helps homeowners and builders complete their projects with confidence.
To receive an accurate assessment and approval, we will need the following information:
• Total construction budget
• Square footage of the home
• Current as-is value of the property
• Estimated completed value after construction
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What types of residential construction projects do you finance?
We finance new construction, major renovations, additions, tear-down and rebuild projects, and residential investment-property builds across Ontario.
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How are construction funds released?
Funds are typically released through progress draws tied to project milestones and inspections, ensuring the build is moving according to plan.
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Can I apply without finalized plans?
Yes, you can start the process, but full architectural plans, a detailed budget, and a timeline will be required before final approval and funding.