Whole Home Renovations
Coordinate multi-room and whole home renovations before you sell. Flooring, exteriors, open-concept conversions and full home refreshes. RNPL® renovation financing available O.A.C. — repaid from sale proceeds.
Whole Home Renovation Inspiration
Multi-room and whole home renovations that increase market value. Each includes cost estimates and timelines.
Whole home renovation costs and opportunity
$50,000–$150,000
Targeted Refresh · Multi-room cosmetics, flooring, fixtures, and curb appeal. High-impact, targeted improvements with fast ROI.
$150,000–$300,000
Full Remodel · Kitchen, baths, basement, open concept conversion, new flooring throughout, and exterior work.
$300,000+
Complete Transformation · Full gut to studs, new systems (electrical, plumbing, HVAC), custom finishes throughout. Significant uplift in value.
Get your home condition score in 60 seconds
Upload photos of your main rooms. Our AI identifies renovation priorities across your entire home, ranked by buyer impact and cost-to-value ratio.
Ask about your whole home renovation
Multi-room renovations require careful sequencing and contractor coordination to avoid delays and budget overruns. Our advisors help you build a phased renovation plan, identify which improvements deliver the strongest sale price uplift in your specific market, and structure RNPL® financing for the full scope. Book a free 30-minute planning consultation.
Book a Consultation
Finance your whole home renovation in three steps
Apply
Submit your renovation plan with a qualified contractor. RNPL® reviews your application and property details. No upfront payment required.
Approve
Once approved, renovation funding is released directly to your contractor as work progresses and milestones are completed.
Repay at Closing
Repay the renovation cost when the property sells or refinances. Subject to approval. Terms and conditions apply.
Want to know what your whole home renovation will cost?
Whole home renovation FAQ
How much does a whole home renovation cost in Ontario?
Costs range from $50,000 for targeted cosmetic improvements to $500,000+ for a full gut renovation on a large home. Scope, finishes, structural work, and whether the home is occupied during construction all affect the budget. Score your home for a condition-based starting estimate.
Which renovations add the most value before selling?
Kitchen and bathroom renovations consistently deliver the strongest ROI. Fresh flooring throughout, exterior curb appeal improvements, and open-concept conversions are also high-impact. Targeted "staged for sale" improvements — fresh paint, updated lighting, and consistent flooring — often deliver the best cost-to-value ratio.
How do I sequence a multi-room renovation?
Structural and rough work goes first (electrical, plumbing, HVAC, framing). Then insulation and drywall. Flooring before fixtures. Kitchen and bath cabinetry before countertops. Paint and trim last. Poor sequencing means redoing work — a Zumin advisor can help you build the right project order.
Can I finance a whole home renovation?
RNPL® financing lets you complete approved renovations before closing and repay the cost from sale proceeds. For larger scopes, phased financing is available. Subject to application approval and terms.
How long does a whole home renovation take?
Targeted cosmetic improvements take 3–8 weeks. Full multi-room remodels typically take 3–6 months. Complete gut renovations can take 6–12+ months depending on scope, permit timelines, and contractor availability.
Ready to renovate your home?
Speak to a Zumin advisor about your whole home renovation plan or score your home to understand renovation priorities.
Explore other renovation topics
Kitchen Renovations
Cabinet upgrades, countertops, appliances, lighting, and full kitchen remodels.
Learn more →Bathroom Renovations
Walk-in showers, ensuite additions, vanity upgrades and full bathroom remodels.
Learn more →Basement Finishing
Family rooms, rental suites, home gyms, and theatre spaces. Expand your living area.
Learn more →