Fixed, predictable payments
Know your weekly or monthly amount before work starts.
GTA Homeowners
Home renovation financing in Toronto so you can finally start
Stop delaying your renovation. Get an instant decision and start with payments as low as $20 weekly on approved credit.
Strategic FinanceIt partnerFrom 50 verified reviewsLicensed & insured
Start sooner, stay on budget
For 13+ years across the GTA, we have helped families turn outdated spaces into homes they love. Partnering with FinanceIt gives you affordable, flexible financing that keeps projects moving without cash flow stress.
🛁Bathroom
🍳Kitchen
🏡Basement
🧱Flooring
🎨Painting
🚰Plumbing
❄️HVAC
Finance payments as low as $20 weekly
Adjust the slider to preview weekly and monthly examples for your amount. Fixed payments mean you can plan your renovation with confidence.
Preview amount
$5,000
Use the slider to see sample payments, then lock in the plan that fits your budget with FinanceIt.
Per week
$20
Illustrative 13.99% APR example. Actual terms at approval.
Per month
$70
Fixed payments you can plan around.
Check if I qualify
Rates shown are examples for illustration only. Actual APR and term are determined at approval.
Renovate without money stress
Most homeowners delay for years fearing blown budgets or surprise fees. With FinanceIt and Mike’s KDM, you see a fixed weekly or monthly payment before work begins, so the plan stays on track.
Keep the mortgage simple
No changes to your mortgage or home equity.
Fast start
Instant decisions so your project is on the schedule sooner.
No prepayment penalties
Pay down early if you choose and save on interest.
$5B+
FinanceIt approvals
273+
GTA renovations by Mike's KDM
13+
Years experience
The simple choice for homeowners in 2025
Choosing renovation financing comes down to speed, predictability, and protecting your home. Here is how a FinanceIt personal loan compares to other options.
| Feature | FinanceIt personal loans | Home equity loans | Credit cards |
|---|---|---|---|
| Approval time | Minutes to hours | 2–6 weeks | Instant (existing cards) |
| Home equity required | No | Yes (typically 20%+) | No |
| Loan amount | $5,000 – $100,000 | Up to 80% of equity | Credit limit dependent |
| Fixed payments | Yes | Yes (fixed options) | No (variable minimum) |
| Home at risk | No | Yes | No |
Quick answers
What you need to know before you apply and start.
How fast can I get renovation financing in Toronto?+
Most applicants receive a decision in minutes. Projects typically start within one to two weeks depending on materials and schedule.
Is a HELOC or a renovation loan better if I just bought?+
If you have limited equity or want a simple setup, a fixed-payment renovation loan is usually faster and keeps your mortgage untouched.
What credit score do I need for FinanceIt approval?+
FinanceIt reviews your full profile, not just one score. Apply to see real options without a long bank process.
What are typical payments on a $25k bathroom in the GTA?+
Use the calculator to preview weekly and monthly examples. Payments stay fixed for your term so planning is simple.
Limited offer: 11.99% for 60 months
Lock a low 11.99% APR for up to 60 months on approved credit. Fixed payments. No prepayment penalties. Start your project now and pay comfortably over time.
OAC. Promotional rate may change without notice. Actual APR and term are determined at approval.
Ready to start without blowing the budget?
Check your options now and see a clear weekly or monthly payment before work begins.
As low as 13.99% APRNo prepayment penaltiesNo home equity required
What GTA homeowners say about renovating with financing
Fast approvals, predictable payments, and jobs finished cleanly.
4.9/5 average rating
5.0
“We were impressed by the professionalism of the contractor and his team. Thank you for doing an excellent job with meticulousness and exceeding our expectations. We highly recommend this company. Thank you Mike.”
Kabeya DaniellaGeneral contractor
5.0
“Very professional and quality of work is excellent.”
Xavier HusseyGeneral contractor
5.0
“Mike and his team are simply the best. They were quick and efficient and went out of their way to bring my vision to life, providing expert recommendations. His work is neat and if I needed renovations again there would be no one I trust more.”
AshleyRose PersaudHome renovations
For Homeowners In:
City of Toronto
Mississauga
Brampton
Oakville
Vaughan
Markham
Richmond Hill
Caledon