Financing, grants & incentives.
Government-backed financing options and incentives, mapped to your specific project — in plain language.
“How do I pay for it?” — answered early.
Financing is the biggest worry, so we tackle it up front. HouseLyft maps the realistic, current options for your project — government-backed financing, CMHC-supported programs, refinancing against your after-built value, and municipal development-charge savings — in plain language, with no jargon.
- Government-backed financing — programs designed to support new housing and rental supply.
- CMHC-supported programs — National Housing Strategy options for qualifying projects.
- Refinance after-built value — access the value your finished project creates.
- Development-charge savings — municipal exemptions and reductions that lower build cost.
- Incentive mapping — the specific programs you may qualify for, identified.
From “how do I pay for it” to a funded build.
We make the financing path clear before you commit.
Map the options
We identify the programs that fit your project.
Check eligibility
We sort out what you realistically qualify for.
Structure the plan
We assemble the financing into one clear plan.
Fund the build
We help you access the funds and get building.
Good to know.
Short, accurate answers. Your free report covers the rest for your specific property.
Through government-backed financing options and CMHC-supported programs — including refinancing against your property’s after-built value and municipal development-charge savings. HouseLyft is not a lender; we help you understand and access them.
No. The proposed $80,000 federal Secondary Suite Loan was cancelled in Budget 2025 and never launched. We build your financing plan around programs that are actually active today.
Construction typically runs about $300–$500 per square foot, depending on size, site and finishes. Your free report gives a figure specific to your property rather than a generic range.
Ontario allows up to three units on most residential lots with no rezoning (Bill 23, 2022). In Toronto, fourplexes are permitted city-wide, and up to six units in many areas. Your free report confirms exactly what your lot allows.
Explore more of what we do.
See what your property could support.
Start with your address and we'll prepare your Free Property Report™.
- What your lot can become
- Value now & once built
- Financing you qualify for