Financing!

A quality kitchen or bathroom renovation should not have to wait. Through our trusted partner Financeit, one of Canada's leading home improvement financing providers, we offer flexible financing that makes your project possible today.

  • Available from $500 to $100,000
  • Fast approvals — apply at or after your consultation
  • Payment options: monthly, bi-weekly, or weekly
  • Promotional rates and deferred payments available on qualifying plans
  • Early repayment with no penalties on qualifying plans
  • Soft credit check for eligibility — no impact to your credit score

You can get an eligibility check and pre-approval without affecting your credit score. All complete financing applications are subject to credit approval and Financeit's terms and conditions.

📞 Call Us | 📧 Email Us | 💻 Apply Online

Financeit — our financing partner!
Applying for renovation financing through Maple Leaf Kitchen & Bath is straightforward, most homeowners are approved and ready to move forward within the same consultation.

Step 1 — Request a Quote Contact our team to discuss your kitchen or bathroom project and receive a detailed, itemized estimate based on your specific needs and goals.

Step 2 — Apply Online We provide a secure Financeit application link, completed quickly from your computer or mobile device.

Step 3 — Get Approved Many applications receive fast or instant decisions, helping you move forward without delays.

Step 4 — Start Your Project Once approved, we finalize project details and begin construction according to the agreed schedule.

Step 5 — Make Easy Payments Payments are made directly to Financeit based on your selected repayment plan — monthly, bi-weekly, or weekly.
Financing Rates — Prime & Subprime!
PRIME — No Equity Renovation Financing

For homeowners with good credit who want unsecured renovation financing without using their home equity:

  • Loan amount: $1,000 to $100,000
  • Amortization: up to 180 months (15 years)
  • No income verification required for amounts under $40,000
  • No home verification required for amounts under $15,000
  • Interest rates: 8.99% to 12.99%
  • Open loan — repay early without penalty on qualifying plans
  • Instant decision at point of application
  • Low-interest promotional options available on qualifying projects
  • Deferred payment options available on qualifying projects

SUBPRIME — No Equity Renovation Financing

For homeowners with limited or challenged credit history:

  • Loan amount: $1,000 to $30,000
  • Amortization: up to 180 months
  • Interest rates starting at 9.99%
  • Credit scores as low as 500 Beacon accepted
  • Open loan — instant decision at point of application
  • Deferred payment options available
Secured Personal Loan — Options 1, 2 and 3!
OPTION 1 — Secured Personal Loan

For homeowners who want a secured financing product at a competitive rate:

  • Loan amount: $4,000 to $40,000
  • Interest rate: 8.99% plus fees
  • Minimum 595 Beacon credit score or qualified co-signer
  • 120-month amortization
  • Open loan — early repayment without penalty
  • Up to 85% loan to value
  • No appraisal required — no legal fees required
  • Approved in 1 business day and funded within 2 business days

OPTION 2 — Secured Personal Loan

For homeowners who want a longer interest-free period before payments begin:

  • Loan amount: up to $60,000
  • No interest and no payments for the first 12 months
  • Up to 75% loan to value
  • Approved in 1 business day and funded within 2 business days

OPTION 3 — Secured Personal Loan

For larger kitchen or bathroom renovation scopes:

  • Loan amount: $40,000 to $75,000
  • 180-month amortization (15 years)
  • Minimum 625 Beacon credit score or qualified co-signer
  • Interest rate: 8.99% plus fees
  • 80% loan to value for homes under $1 million; 75% LTV for homes over $1 million
  • Approved in 1 business day and funded within 2 business days
Other Financing Options!
Every kitchen and bathroom renovation can be structured in the way that works best for your financial situation. Here are the most common financing approaches GTA homeowners use:

  • Financeit Renovation Financing — flexible financing from $500 to $100,000, fast approvals, monthly, bi-weekly, or weekly payments with no hidden fees
  • Cash — pay the full project cost upfront from savings; no interest, no monthly obligation
  • Personal Loan — fixed monthly payments over a set term; no home equity required
  • Unsecured Line of Credit — flexible borrowing with no collateral; interest charged only on the amount drawn
  • Secured Line of Credit (HELOC) — borrow against home equity at lower interest rates
  • Mortgage Refinancing — roll renovation costs into your mortgage at mortgage rates
  • Combination — mix of cash and financing to minimize interest cost while preserving liquidity
Why Choose Financing!
Financing your kitchen or bathroom renovation through Maple Leaf Kitchen & Bath and Financeit is not just a payment option, it is a smarter way to invest in your home without depleting your savings or compromising your scope.

  • Start Your Project Sooner — begin your renovation now without waiting years to save the full amount; enjoy the comfort and value of your upgraded space from day one
  • Add Value to Your Property — a well-executed GTA kitchen or bathroom renovation delivers measurable long-term value; every month you wait is a month that value is not working for you
  • Manageable Payments — spread the cost into predictable monthly, bi-weekly, or weekly payments that fit comfortably within your household budget
  • Simple and Transparent Process — we guide you through every step from estimate to approval to project start
Kitchen and Bathroom Projects Eligible for Financing!
Financing is available for every kitchen and bathroom renovation scope we complete, from a single powder room update to a complete kitchen transformation:

  • Kitchen renovation — full scope, custom cabinetry, countertops, appliances, flooring, and lighting
  • Bathroom renovation — ensuite, secondary bathroom, and powder room
  • Open-concept kitchen and main floor integration
  • Kitchen and bathroom design, drawings, and permit management
  • Custom cabinetry and millwork
  • Tile and flooring — kitchen and bathroom
  • Plumbing — kitchen and bathroom fixtures, faucets, and rough-in
  • Electrical — pot lighting, under-cabinet lighting, exhaust fans, and dedicated circuits
  • Shower and tub replacement — curbless, freestanding, and tub-shower combinations
  • Vanity, mirror, and bathroom fixture replacement
  • Kitchen island installation
  • Backsplash and countertop replacement as standalone scope
Flexible Payment Options!
A beautiful, functional kitchen or bathroom should not have to wait. Through our trusted partner Financeit, we offer flexible financing from $500 to $100,000 - covering every kitchen and bathroom renovation scope.

  • What is covered — kitchens, bathrooms, ensuites, powder rooms, open-concept main floor integrations, and more
  • Payment flexibility — choose monthly, bi-weekly, or weekly payment schedules to fit your budget
  • Promotional options — select programs offer promotional rates or deferred payment terms
  • Early repayment — pay off your balance ahead of schedule with no penalties on qualifying plans
  • Fast approvals — many applications receive instant decisions with no hard credit inquiry
  • Partial financing — finance all or a portion; combine with personal savings to minimize interest cost

All financing is subject to credit approval and Financeit's terms and conditions.
Financing Vs. Savings!
Financing your kitchen or bathroom renovation now means your project gets done immediately, quality of life improves from day one and property value increases right away.

  • Renovate immediately — comfort, functionality, and value improvements begin from day one, not years from now
  • Property value captured now — every month you wait is a month that increase is not working for you
  • Kitchen and bathroom ROI — a well-executed GTA kitchen renovation returns 60 to 80 percent of its cost at resale; a bathroom renovation returns 50 to 70 percent
  • Cash reserves preserved — savings stay available for emergencies; no single large capital outlay that depletes liquidity
  • Predictable payments — a structured repayment schedule fits your budget rather than disrupting it

Waiting means years of living with an outdated kitchen or bathroom while renovation costs continue to rise.
Sample Financing Scenarios!
The following scenarios illustrate how financing allows GTA homeowners to complete meaningful kitchen and bathroom renovations on a manageable payment structure. These are illustrative examples only, not a guarantee of specific financing terms.

  • Powder room renovation — $12,000 — approximately $210 to $260 per month over 5 years
  • Bathroom renovation mid-range — $25,000 — approximately $450 to $550 per month over 5 years
  • Primary ensuite renovation — $40,000 — approximately $700 to $850 per month over 5 years
  • Kitchen renovation mid-range — $45,000 — approximately $780 to $950 per month over 5 years
  • Kitchen renovation comprehensive — $75,000 — approximately $1,300 to $1,550 per month over 5 years
  • Kitchen and bathroom combined — $90,000 — approximately $1,550 to $1,850 per month over 5 years
  • Full main floor renovation — $110,000 — approximately $1,800 to $2,200 per month over 5 years

Illustrative monthly payments are approximate estimates for a 5-year loan term only. Actual payment amounts depend on the approved loan amount, the interest rate offered by Financeit, and the repayment term selected. Bi-weekly and weekly payment options are also available.

FAQs - financing

All kitchen and bathroom renovation scopes are eligible for financing through Financeit, from an entry-level countertop and backsplash update at $8,000 to a comprehensive custom kitchen renovation at $70,000 or more, and from a powder room renovation at $12,000 to a premium primary ensuite at $60,000. The $500–$100,000 range covers the full spectrum of kitchen and bathroom renovation investments in the GTA market.
Financeit uses a soft credit inquiry for the initial eligibility check and pre-approval, which does not affect your credit score. A hard inquiry may occur if you proceed to accept a formal loan offer, the standard process for any lending product. We recommend confirming the specific inquiry process with Financeit at the time of your application.
Many Financeit applications receive a fast or same-day decision. We facilitate the application at or after your renovation consultation and support you through any questions during the process. We do not want financing uncertainty to delay your project start.
Financeit loan products typically allow early repayment on qualifying plans. Review the specific terms of any loan offer and confirm early repayment provisions with Financeit before accepting if early repayment is a priority for your household.
Yes. Many clients choose to finance a portion and contribute savings for the remainder. This reduces the financed amount and total interest cost while allowing the full renovation scope to proceed now rather than waiting. We structure the financing application for whatever portion you would like to finance.
Financeit assesses applications across a range of credit profiles. We cannot guarantee approval or specific rates, those determinations are made by Financeit based on your individual application. Financeit's home improvement lending products are generally accessible to a broader range of homeowners than conventional bank lending.
Financeit loan repayment typically begins shortly after loan disbursement, which occurs when the renovation project is underway. Confirm the payment start date in your loan agreement before accepting. We recommend reviewing the full loan terms before making a final commitment.
No. All financing terms, rates, fees, and payment details are disclosed in the Financeit loan agreement before you accept. There are no costs to apply, and we do not charge any fees for facilitating the Financeit application on your behalf.
Yes. If you are renovating both your kitchen and a bathroom simultaneously or sequentially, the combined project cost can be financed through a single Financeit application up to the $100,000 maximum. Combining projects also often reduces total construction cost due to shared mobilization and project management efficiency.
We discuss options: adjusting project scope to fit the approved financing amount; combining financing with savings to cover the full scope; or phasing the renovation over two separate projects to keep individual financing amounts within the approved range. We work with every client to find an approach that moves their renovation forward within their financial parameters.

Get Estimate

Unlike vague ballpark quotes from other contractors, our estimates are detailed and comprehensive. We take the time to understand the full scope of your project before pricing it, which means no unexpected cost increases mid-renovation and no items you didn't know were missing from your quote.

  • Free, no-obligation consultation, in person or virtual
  • Full project scope review, layout, materials, systems & timelines
  • Detailed written estimate with clear line items
  • Financing options discussed if needed
  • No pressure, no surprises, just honest, professional advice

Contact us today and take the first step toward your dream renovation.
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