Financing Your Custom Home Project


Usually, during construction you will need to have your finances in order and on hand at various points to pay for all the steps involved, but this can be difficult when you need cash. This can leave homeowners with the burden in between advances. For this reason we’ve connected with banks that understand the construction process and work directly with us and with your builder to construct your home. All financing draws are determined, laid out and approved by you before construction begins so you are able to sit back with ease until your home is ready to move into.

These banks give us exclusive offers because we are able to give significantly more price transparency than your regular homebuilder. Because the package has a fixed price and is the basis for everything else in the project, banks feel more comfortable with builder estimates using our design package.

What Can I Finance?

You can use financing options for the entire scope of your project. These include the purchase of property and the construction of your home. You can even use financing for both portions in your project if you so wish.  


Banks will finance a land purchase and allow you to buy the property you want. But these loans tend to be restrictive as land alone is not worth as much as a built home on a property.


Most banks will not offer construction loans because quotes can be very inaccurate, depending on the builder. A few banks will give loans if you use one of their registered builders, but the terms can vary greatly and aren’t often in your favor. Linwood has connected with trusted banks across North America that understand the home building process. They like the cost certainty related to our streamlined home design package and are far more likely to approve financing.

Land & Construction 

Our lenders offer both land and construction financing to be rolled into one permanent fixed rate mortgage that is closed up-front before construction begins, and where you commence payments at the completion of the project. This method gives you peace of mind that nothing can change during construction and gives the bank more security with the land as an asset.

Financing Options:


In Canada we work with a mortgage broker connected to Dominion Lending. Tare able to shop around and find the best financing option, for you, that the banks have available. Financing is stricter in Canada than it is in the US, but there are still many options to suit your needs.


In the US, we have taken a different approach and work with a number of national banks that are able to finance land & construction. We have selected them based on their ability to service all budgets and projects. Each one has their advantages for our customers.

Moving Your Project Forward With Pre-Approved Financing 

In the beginning, when you start to think about moving down the home building path, it is important to determine whether or not you will require financing. Many choose the financing option for security and project confidence. It is becoming increasingly popular throughout Canada and the United States. If you do require financing for your project, it is best to get pre-approved early.

All of our banks will give you a pre-approval which lets you know the parameters that you need your budget to work within, and also allows you to shop for land with that pre-approval. This pre-approval also serves as the budget we have to design to so we are able to take a site-specific approach for every customer. When you have these numbers determined, it helps us design specifically to your budget and ensure that the project comes out at the number you had planned for.

Start Your Project Now

If bank financing is involved, the simplest approach is to get pre-approved and establish your budget so you can begin your project with ease.  Contact us today for more information on financing your project or learn more about the banks that we work with and get your pre-approval process started.