Canadian Home Renovation Plan in the GTA
Bundle upgrades, rebates and mortgage ease, no payment shock
Apply Today, Beat Funding CutsNo-hassle, No-obligation. Your info is safe, and you’re in control.
We work with clients from all across Ontario including, Oakville, Burlington, Mississauga, Milton, Hamilton, Oshawa, Brampton and all points in between.
Our Ontario Mortgage Lending Advantage
Fast & Easy
Lending Approvals
Low Rates
Some of the lowest rates in Ontario
98%
would recommend us
No-Obligation
free, no-hassle conversation
Trusted by 1,100+ homeowners, just like you, from across Ontario
Finance today, save on energy forever
Whether you are upgrading a Lakeshore century-home or modernizing a River Oaks semi, our Canadian Home Renovation Plan folds improvement costs into a single mortgage advance. Add up to ten percent of the purchase price, or tap existing equity, to cover kitchens, additions or legal basement suites without juggling multiple loans.
Need extra capital for energy upgrades? We layer the interest-free Canada Greener Homes Loan (up to $40,000, ten-year term) on top of your mortgage so you can install heat pumps, triple-pane windows or solar panels with zero carrying cost during payback.
Provincial incentives are still alive too. Ontario’s new Home Renovation Savings Program offers rebates up to 35 percent on insulation, smart thermostats and high-efficiency appliances, stretching your renovation budget even further.
Our team coordinates contractor quotes, lender approvals and lawyer disbursements so funds release exactly when trades arrive, not weeks later. From permit tips at the Oakville Building Services counter to registering the Greener Homes lien correctly, we help handle the red tape while you plan paint colours.
Secure Funds Before Programs ChangeFAQs for Canadian Home Renovation Plans in Oakville, Ontario
How much renovation cost can we roll into the mortgage?
Lenders let us add up to ten percent of the as-improved value, released after an appraiser confirms the work. If your equity is large, we can often exceed that cap with a refinance or second advance.
Is the Canada Greener Homes Loan still accepting new Oakville applications?
Yes, the program remains open in 2025 and pairs perfectly with our plan. We handle the application and coordinate the pre- and post-retrofit audits so you access up to $40,000 interest-free.
What rebates are still active in Ontario?
The new Home Renovation Savings Program offers up to 35 percent back on insulation, HVAC and more. Municipal property-tax grants for heritage homes are also available in select Oakville districts.
Do we make payments on the Greener Homes Loan right away?
No, payments start immediately but carry zero interest, making it easier to cash-flow larger projects. You can repay early at any time without penalty.
How long does it take to access renovation funds?
Mortgage renovation draws fund on closing, while Greener Homes advances after the first audit—usually two to four weeks. We schedule contractors accordingly so work starts as soon as funds land.
Please note: it’s always best to get in touch with us so we can answer your specific questions and provide 100 percent accurate information for your situation.
Our Ontario Mortgage Service Areas
Oakville | Burlington | Mississauga | Milton | Hamilton, Oshawa, Brampton and all across Ontario!