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Poor credit not a problem

Get a home renovation loan

Home renovation spending has taken a permanent lead over new construction according to the Canada Mortgage and Housing Corporation (CMHC).  Whether your credit is good or poor, we have many lenders that can help you spruce up your aging home or look after needy repairs such as a new roof.

And Canadians love doing home renovations.  The proliferation of do-it-yourself stores such as Home Depot and Rona attests to the popularity of DIY. 
CMHC  found that in the first two years of ownership, buyers of resale homes spend over 50 per cent more on renovations and repairs than do either buyers of newly built homes or owners who don't move.

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If you decide to renovate with a Canadian home renovation loan, the first step in financing the project is determining how much it will cost.  You should include a contingency to allow for unexpected expenses.

Most people use savings to pay for renovations however, others may need to investigate their financing options.  If financing is needed for your home renovation, you should explore the differences between a renovation loan and a line of credit.  Knowing the difference between the two will help you choose the option that best meets your needs.

There are basically 3 reasons for renovating your home.  Firstly, you may wish to update and/or improve your house for your own enjoyment.  If you live in a 40 year old home, redoing the kitchen or bathroom, and replacing the carpets with hardwood floor may be just what you need to put a smile on your face.  This also applies if you have just bought a house, and wish to update it or alter a few rooms to your liking.

Secondly, you may need to do renos because your place is falling in around you.  For example, you may need some quick cash to replace a leaking roof, or a furnace that doesn't work.  Water damage that isn't covered by house insurance can also be a sudden need to money.

And lastly, you may wish to make changes to your house because you are going to sell.  The question is what renovations will result in the greatest payback (and make your house sell quicker).  The answer is easy.  The 2 rooms that have the greatest return on your investment is the bathroom and the kitchen.  But in general, the cheapest and most effective improvement is paint.  Giving a room a facelift with a $30 gallon of paint is the quickest way of making your home look great.

But don't go overboard with your renos.  You won't always realize the full value of your efforts.

All Applications are FREE and there is NO OBLIGATION to borrow


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