Ontario Construction & Renovation Lending
Construction & Renovation Loans in Ontario
Construction and renovation loan capital with staged draws aligned to your build milestones — not a bank's schedule. Private financing that moves at the speed your project demands.
Takes 2 minutes · No commitment
Tell us how to reach you
We'll respond the same business day
We'll never share your email or spam you
For quick follow-up questions only
I consent to receive emails and text messages from Private Mortgages Canada and/or Streetwise Mortgages regarding mortgage products and services. I can unsubscribe anytime or opt-out of SMS by replying STOP.
A Strategic Tool for Builders
What is Private Construction & Renovation Financing?
Private construction and renovation financing is short-term capital deployed in staged draws as your build or renovation progresses — secured against the land and the project itself. Unlike bank construction loans, private funding isn't locked into rigid inspection milestones that don't match how real builds work.
Investors, developers, and homeowners use private construction and renovation loans to move quickly on site acquisition, fund ground-up builds or major renovations, and bridge to conventional financing once the project is complete.
At PMC, every construction deal includes a built-in exit strategy — we structure the loan with your conversion to conventional financing already mapped out.
Staged Draws
Capital released as each build phase completes — aligned to your actual milestones, not a bank's calendar.
Exit-First Lending
Every construction loan is structured with a clear path to conventional financing at completion.
FSRA-Licensed
Full regulatory protection and disclosure on every transaction in Ontario.
$2B+ Deployed
Over $2 billion in private capital across 6,500+ deals — including ground-up construction.
Takes 2 minutes · No commitment
Who We Help
Built for Builders and Investors
Private construction and renovation loan financing in Ontario serves a range of project types and borrower profiles.
Real Estate Investors
Ground-up builds, infill development, and multi-unit construction beyond bank LTV limits. Private capital gives investors the speed and flexibility to move when opportunity is time-sensitive.
Developers
Site acquisition, servicing, and construction phasing require capital that matches development timelines. PMC funds at the pace your project demands — with draws that align to real milestones.
Homeowners
Renovation loans for major renovations, additions, or custom builds that exceed what a HELOC or bank construction mortgage can cover. PMC assesses the project and the exit — not just your T4.
Takes 2 minutes · No commitment
Common Questions
Construction & Renovation Loan Questions, Answered
Take the First Step
Get My Build Funded
Tell us about your project. We'll assess the deal, structure staged draws aligned to your build milestones, and map your exit to conventional financing — same business day response.
Tell us how to reach you
We'll respond the same business day
We'll never share your email or spam you
For quick follow-up questions only
I consent to receive emails and text messages from Private Mortgages Canada and/or Streetwise Mortgages regarding mortgage products and services. I can unsubscribe anytime or opt-out of SMS by replying STOP.
FSRA-Licensed · Dalia Barsoum, 2× Broker of the Year · Same-day reply on most deals