Mortgage Plus Improvements
& Construction Mortgages

Building your dream home? Looking for a fix-er-upper?

Get a variety of mortgage options WITH your construction & reno costs rolled into the loan.

Start Your Mortgage Plus Improvements

If you are looking for a mortgage plus improvements or if you’re building a home we have solutions available.

Whether you are using a contractor or building a home yourself. We have plenty of building and construction mortgages available.

Starting at 5% down payment fill out this form to have Alex Lavender provide you with the best rates possible.

Fill out this form to get in touch today.

Inquire Here:

Mortgage Plus Improvements Process

#1 Apply Here

The first step is to apply with a mortgage broker to find out what your options are. You need to provide all of the quotes for the work being done up front. This amount is then added into the total amount to be mortgaged. Some items that are removable from the house or do not increase the home value will not be accepted ie. appliances.

#2 Receive Your Approval

After the mortgage funds you have 90 days to complete the work listed in the quotes. You must then provide paid invoices or have an inspection report done at your cost to verify the work has been completed.

#3 Receive Your Money!

After the lender approves that the work has been done the money will be released from the lawyers so you can reimburse yourself for the costs.

Construction Mortgage FAQs

Construction Mortgages

Private Mortgage

Mortgage Plus Improvements

Want to include the cost of home renos in your mortgage? You can get a mortgage plus improvements for up to 20% of the purchase price or $40,000.
This product adds the cost of renovations to your mortgage. Allowing you to improve your home, and roll it into your monthly payments.

Mortgage Refinance

Building & Construction Mortgages

If you need a construction mortgage for building a new home then you’re in the right place. Our team can provide residential loans for you to build your dream home from scratch.

Read Our Testimonials

    5 star review  I’ve been a client of Alex Lavender and Clinton Wilkins team for a few years now and if you’re looking to buy your first home or have any questions at... read more

    thumb Debra Boucher

    5 star review  I couldn't speak more highly about Alex Lavander. We received the best possible support from Alex. Not only did he arrange all my papers with incredible precision and punctuality, but... read more

    thumb Novella Nicchitta

    5 star review  We bought our first house in September 2020. As a first time home buyer as well as a newcomer, we had so many questions. Even during a pandemic, Alex was... read more

    thumb G. Izmırlıoglu

Your Construction Mortgage

Alex Lavender is from a small town of 700 people, giving him a first hand experience witnessing the positive power of community. Alex brings that small-town sense of community wherever he goes, treating you with the same passion as he would his neighbours back at home.
When you’re applying for a mortgage plus improvements or a construction mortgage anything can happen at anytime. Alex makes himself available to his clients, ensuring that you are always taken care of. Get in contact today to start your application with Alex.

Mortgage Broker Info:

  • FREE to use, we work for you, not the banks. Giving you the ability to choose between multiple lenders and compare rates side by side.
  • Mortgage expertise, by working with a variety of lenders we have all the experience you need. We’ll do the heavy lifting to let you choose the loan that is the best for you!
  • Efficient, we use your information to pull real mortgage approvals from multiple lenders. You can get mortgage rates from all the banks and lenders all in one place.

Meet Alex Lavender:

Alex Lavender is and Accredited Mortgage Professional (AMP) the author of “Mortgages For Millennials” and has been providing services as a mortgage specialist for years.

He takes pride in helping Nova Scotians purchase their first homes, refinance their current homes, or obtain a loan when no other options are available.

Alex listens to your situation and uses the necessary information to provide you with a variety of options from different lenders, including the big banks.

Mortgage Approval Types


  • Private lenders for your house
  • Short term lending solutions
  • We provide a large selection of lenders
  • Less than 600 credit score requires 20% down payment

Self Built Mortgage

  • Roll your renovation costs into your mortgage
  • Up to $40,000 of renovations
  • 120 days to complete the work
  • Not available for appliances

Construction Mortgage

  • Contractor built construction mortgages
  • Use as little as 5% down
  • Minimum 650 credit score