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Program Overview

Veritas offers residential construction loans designed to finance land acquisition, permits, zoning, and the full construction process through a structured four-phase funding schedule. With a maximum project amount of $2 million, this program supports builders and developers in bringing residential projects to completion with flexible exit options via resale or refinance.

Who Qualifies?

  • Borrowers with demonstrated financial stability.
  • Minimum household income of $150,000.
  • Land equity savings of at least 10% of the land value.
  • Individual homebuilders seeking reliable financing.
  • Developers who require stable capital and professional project oversight.

"Fast, flexible residential construction loans that finance land purchase, permitting, and building—supporting Ontario homeowners and developers with expert project management and phased funding."

GET IN TOUCH

Build from the ground up with tailored construction financing designed for Ontario homebuilders and developers. Our loans cover land purchase, permits, and phased construction funding up to $2 million, ensuring every step is managed with expertise. Qualify with strong income and equity, and exit easily via resale or refinancing.
Connect with us using the form below to start your next project with confidence.

    Loan Details

    • Loan Type: Residential Construction Loan
    • Maximum Amount: Up to $2,000,000
    • Use of Funds: Land purchase, permits & zoning, construction financing with milestone-based draws over four phases
    • Exit Strategy: Sale of completed property or institutional refinance
    • Qualification Criteria: Household income of $150,000+ and at least 10% savings of land value contributed as equity
    • Additional Benefits: Fully managed construction oversight ensures on-time delivery and asset protection
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    Maximum Project Amount
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    Minimum Land Equity
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    Household Income Threshold

    Example Transaction

    Hamilton Residential Construction Loan

    • Land Acquisition: $400,000
    • Construction Budget: $540,000
    • Permits & Zoning: $30,000
    • Loan Term: 24 months with competitive interest rates as low as 9% (depending on equity)
    • Fees: Lender and brokerage fees each at 2%
    • Exit: Refinancing or resale facilitated by in-house real estate team

    Why Veritas?

    We provide phased construction funding with expert oversight to ensure projects stay on schedule and within budget. Our flexible terms, quick approvals, and transparent process make us the trusted choice for builders and developers across Ontario.

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    Transforming Ontario's housing landscape through disciplined private lending and community-focused investment strategies.

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    Transforming Ontario's housing landscape through disciplined private lending and community-focused investment strategies.

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