Custom Home & Builder Financing
Custom Home Construction Financing for the GTA’s Most Prestigious Areas
Financing for custom home builds in Forest Hill, Bridle Path, Lytton Park, Lawrence Park, Rosedale and Willowdale — with draw structures built around your build schedule, not a generic template.
Start Your ApplicationCall (905) 482-9393
100%
Of hard costs, in qualifying deals
18 Mo
Maximum term
48 Hrs
Commitment turnaround
Financing that moves at the speed of your build
We arrange construction financing up to 75% of completion value, or 100% of hard costs, for custom home builds and major renovations across the GTA’s high-value neighbourhoods. Draws are released against progress starting at foundation stage with interest paid only on the funds advanced, not the full facility.
Because these are typically second mortgages behind an existing first, and terms are open with 30 days’ written notice, you have flexibility to repay as the project (or the sale) completes, without being locked into an 18-month term you don’t need.
- Up to 75% of completion value or 100% of hard costs
- Draw schedules tailored to your construction timeline
- First draw released at foundation stage
- Interest-only payments on funds actually advanced
- Open terms repayable with 30 days’ written notice
At a Glance
Up to 90%
Leverage, owner-occupied property
75%
Typical max LTV, investment property
Previous Banker
Every file reviewed by a former commercial banking manager
Top Commercial Broker Finalist Award for 6 years in a row
By Canadian Mortgage Professionals of Canada
How it works
01
Submit permits & budget
Building permits and a detailed construction budget get your file moving.
02
Commitment in 48 hours
Most straightforward files receive a lending commitment within two business days.
03
Draws at each stage
Funds release as construction hits foundation, framing, and finishing milestones.
04
Repay on your terms
Open terms mean you can repay as soon as the project or sale completes.
Frequently asked questions
What documents do I need to apply?
At minimum, your building permits and a detailed construction budget. From there we can move quickly toward a commitment.
How does the draw schedule work?
Funds are released in stages tied to construction progress, starting with the first draw at foundation stage, so you’re not paying interest on money you haven’t used yet
Which neighbourhoods do you finance in?
We regularly finance custom builds in Forest Hill, the Bridle Path, Lytton Park, Lawrence Park, Rosedale, Willowdale and Hoggs Hollow, among other GTA areas.
