Financing Solutions
Would you like to enjoy now and pay later? Has something unexpected forced you to renovate earlier than planned? Here are our financing solutions.
Don't forget to wait until you get approval before you start spending! Just to be on the safe side.
Homeowner's Kit1
This kit consolidates all our mortgage financing products, including the home equity line of credit. If you have paid back at least 20% of the net value of your home, it's worth seriously considering. It's the most profitable solution for financing your renovations or any unforeseen expenses because you always have access to cash assets and because you can benefit from the best interest rates of all our financing products. Learn more >>>
Line of credit2
The personal line of credit is like a personal loan with no due date. Once your credit request is accepted, you can use the authorized sum as you see fit. If you are really hooked on renovating and don't want to have to finish one project before you start another, the line of credit offers you all the flexibility and convenience you’re looking for. Learn more >>>
Personal Loan3
You can take out the loan with one of two options: with a fixed or a variable rate. Our Personal Renovations Loan gives you 1% off the fixed or variable rate in effect as compared to the current personal loan rate. It's our way of lending a hand! Learn more >>>
Credit Card
The credit card is the most popular credit option, thanks to its flexibility and efficiency. It's always there when you need it; however, that means you have to be careful to use it wisely. It isn't the most cost-effective option, especially if you never pay your balance in full.
Our Visa cards have all kinds of features and advantages to meet your renovations needs. Learn more >>>
Do you have to use credit for your renovations? Don't take any chances. Protect yourself from the unexpected with credit insurance4. It's inexpensive and it saves you a lot of worries.
Financial Assistance Programs
Did you know that, if you are renovating, you might be eligible for a financial assistance program? The following programs can help lighten your financial load:
- Société d’habitation du Québec
1-800-463-4315 - CMHC Programs and Financial Assistance
1-888-772-0772 - Genworth programs and Financial Assistance
1-800-511-8888 - EnerGuide Energy Retrofit Incentive
1-800-387-2000
Find out if your municipality is a part of the Rénovation Québec program, in collaboration with the Société d'habitation du Québec. If it is, you could benefit from further assistance.
Legal notice
1. Subject to credit approval. For information on the rates in effect, contact your advisor or call 1-800-252-1846 (toll free).
2. Subject to credit approval. The usual account transaction fees apply.
3. Subject to credit approval.
4. Subject to approval by the insurer, Industrial Alliance. Some fees and conditions apply.
