Construction Mortgages for Builders & Homeowners in Nova Scotia

Financing that grows with your project — from land purchase to final draw, from someone who has built professionally.

Why Construction Mortgages Are Different.

Financing a new build or major renovation isn’t like a regular mortgage. You need staged funding, flexibility, and someone who understands how construction really works.

As a building expert with access to a wide variety of lending options, I have the ability to secure funding for virtually any construction project. In addition to my expertise in financing, I am also a professional builder with extensive experience, which allows me to offer a comprehensive range of solutions tailored to your specific needs. I can assist you with:

  • Construction Mortgages with flexible draw schedules

  • Land & Lot Financing for raw or unserviced properties

  • Equity Take-Outs to fund new builds or expansions

  • Mortgage financing when more than 25% of the building envelope is altered

  • Bridge Financing & Private Options when timelines matter

  • Mortgages to Finish Projects that have been started and left unfinished

My Builders Perspective.

I’m not only a mortgage broker — I’ve also built homes myself, including my family’s Cabot Trail Tiny House Vacation Rentals.

That means I understand:

  • The realities contractors face on-site

  • The stress of managing cash flow during a build

  • How lenders think about draws, timelines, and budgets

When you work with me, you’re working with someone who’s been in both worlds.

 FAQs

  • A construction mortgage provides funds in stages (called “draws”) as your home is built. Instead of receiving the entire mortgage upfront, the lender releases funds at key milestones like foundation, framing, and completion.

  • Draws are based on project milestones, but I work with both you and your builder to design a schedule that fits the real construction process — not just a standard bank template.

  • Yes, but only on the money that has been advanced so far, not the full approved mortgage. Payments are smaller in the early stages and increase as more funds are advanced.

  • Some lenders allow self-build projects, but requirements are stricter. If you’re managing your own build, I’ll help identify lenders who support this.

  • Yes — most lenders require proof of proper insurance before funds are advanced to protect both you and the lender.

  • It’s important to plan for contingencies. If costs rise, you may need to provide additional funds or adjust the loan. I help clients prepare realistic budgets to avoid surprises.

How I Work with Contractors.

  • Help your clients get pre-approved so financing doesn’t hold up your project

  • Create smooth and also custom draw schedules (single and multi-draw)

  • Renovation mortgages and refinance options

  • Create smooth draw schedules so cash keeps flowing at the right times

  • Provide ongoing communication between you, your client, and the lender