Renovate Your Home With a Plan
Explore kitchens, bathrooms, basements and whole home projects. Score a space, understand priorities and choose the next step that fits your goals.
Choose Your Renovation
Explore renovation financing options for every room and project type.
Score your space. Understand what to fix first.
Upload one photo of any room. Our AI reads visible condition and shows what to address — before you commit to a budget.
What renovations typically cost in Ontario
Kitchen
Minor update: $10K–$20K. Moderate remodel: $25K–$50K. Full renovation: $50K–$100K.
Bathroom
Cosmetic refresh: $8K–$15K. Mid-range: $15K–$30K. Full renovation: $30K–$60K.
Basement
Basic finish: $25K–$40K. Mid-range: $40K–$70K. Full renovation: $70K–$120K.
Finance your 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.
Ask about your renovation
Our advisors help you evaluate which updates deliver the strongest appeal, how local market expectations vary by price point, whether to invest in cosmetic updates or a full remodel, and renovation priorities before listing or refinancing. Book a free 15-minute consultation.
Renovation FAQ
How much does a renovation cost?
Renovation costs vary widely by scope. Minor updates range from $10,000 to $30,000. Moderate remodels typically cost $30,000 to $75,000. Major renovations can range from $75,000 to $250,000 or more. Score your home to understand condition and priorities first.
Is a renovation worth it before selling?
Strategic renovations can improve buyer appeal and may help your home sell faster. Focus on updates that address condition issues or modernize key rooms like kitchens and bathrooms.
How long does a renovation take?
Timeline depends on scope. Cosmetic updates take 2 to 4 weeks. Kitchen or bathroom remodels typically take 4 to 8 weeks. Multi-room renovations or structural work can take 12 weeks or longer.
What renovations add the most value?
Kitchen and bathroom updates consistently deliver strong returns. Priorities include quality cabinets, durable countertops, good lighting, and efficient layouts.
Can I finance a renovation?
RNPL® financing allows you to complete approved renovations before closing and repay the cost when the property sells or refinances. Subject to application approval and terms.
Should I renovate before listing my home?
If your home shows poorly due to dated finishes, worn flooring, or deferred maintenance, strategic renovations can improve buyer appeal. Score your home to understand condition first.
Renovating before you sell?
Use Seller Advantage to compare selling as is with targeted improvements, then decide what makes sense for your timing and market.