Mortgage Plus Improvements & Construction Mortgages

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 get your mortgage broker, and receive the best rates possible.

Fill out this form to get in touch today.

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Construction Mortgages

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.

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.

Construction mortgage

Your Construction Mortgage Broker

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.

Alex Lavender is the author of “Mortgages For Millennials” and an entrepreneur. He has been helping people get construction mortgage approvals for years. He takes pride in helping Nova Scotians overcome traditional loan barriers to purchase your dream property.

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 Types:


Self Built Mortgage

Construction Mortgage


    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

    5 star review  We used Alex for our mortgage this summer. I cannot say enough positive things about Alex and our experience when dealing with him. Alex is very knowledgeable and professional and... read more

    thumb Emilie Brennan

    5 star review  As a first home buyer I was completely lost. I had many questions and I needed a person that I could trust. Alex explained things very clearly. I appreciated how... read more

    thumb Ilaria Pivi

Meet Alex Lavender

Mortgage Broker

Alex Lavender

Construction Mortgage FAQ's

Yes! You can add renovation costs to a mortgage by using a mortgage broker and agreeing with the lender on the improvements allowed. If your improvements are going to increase the value of your home, then you have a great shot at getting an approval with us.

Mortgage plus improvements adds the estimated cost of renovations to the amount of your mortgage loan. This provides you with cash upfront to fund improvements on your house. While keeping you on the same consistent mortgage payments.

A high-ratio mortgage in Canada lets you borrow up to 95% of your home cost. Talk to Alex Lavender your mortgage broker today to learn how you can do this.