New construction

Financing for new builds & pre-construction

Buying a brand-new or pre-construction home comes with its own timeline. We structure financing that fits builder draws, closings, and longer rate holds.

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What's different

Built for a build

Extended rate holds

Pre-construction closings can be far out - we source longer rate-hold options where available.

Builder deposits

We help you plan deposit structures and how they count toward your down payment.

Progress-draw mortgages

For building on your own lot, financing can advance in stages as construction progresses.

GST/HST rebate guidance

New homes may qualify for the GST/HST new housing rebate - we'll point you to the rules.

Occupancy vs final closing

Understand interim occupancy fees and how the final closing mortgage works.

Appraisal at completion

We prepare you for completion-date appraisals and any value gaps.

Planning a new build or pre-construction purchase?

Let's map the timeline and lock in a financing plan early.

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