Buy and Renovate Your Dream Home with Purchase Plus Improvements

Combine renovation costs into a single, low-interest mortgage with as little as 5% down.

How Does the Purchase Plus Improvements Program Work?

A Common Challenge for Homebuyers

Many homebuyers find their ideal property, only to realize it needs renovations to truly feel like home. At the same time, managing separate loans for renovations can be overwhelming.

A Mortgage Designed to Make Life Easier

Purchase Plus Improvements is the perfect solution for buyers who want to combine their home purchase and renovation costs into a single, low-interest mortgage. With as little as 5% down, you can fund your dream home and get started on improvements immediately after taking possession.

Personalized Guidance for House Renovations and Purchase Plus Improvements in Campbell River & Comox Valley

Purchase Plus Improvement Specialist

With Purchase Plus Improvements, you can combine your home purchase and renovation costs into one simple mortgage, benefiting from low interest rates and the convenience of a single payment. As your trusted Mortgage Professional, Antonietta Gaudet will guide you through every step of the process to make your dream home a reality.

Step-by-Step Guide to Purchase Plus Improvements

Follow these simple steps to combine your home purchase and renovation costs seamlessly:

Step 1: Make an Offer

 Include a conditional period longer than the usual 10 business days to allow time for obtaining renovation estimates.

Step 2: Obtain Estimates

After your offer is accepted, get detailed quotes for renovation work from licensed contractors.

Step 3: Submit Your Application

Work with Antonietta to submit your full application, including renovation estimates, for lender approval.

Step 4: Take Possession and Begin Renovations

Once you take possession of the property, you can start your approved renovations immediately.

Step 5: Final Inspection and Fund Release

When renovations are complete, schedule a final inspection if required. After confirmation, the lender releases funds to your solicitor, who pays the contractor directly.

Frequently Asked Questions

Question not listed below? No problem - reach out and let's talk about it!

Eligible renovations typically include upgrades that improve the value or functionality of the home, such as kitchen remodels, bathroom renovations, flooring updates, or structural repairs. Cosmetic changes like painting may also qualify, depending on the lender.

The maximum renovation amount varies by lender but is often capped at 10% of the purchase price or up to $30,000–$40,000. Antonietta can help you determine how much you qualify for based on your lender's guidelines.

Renovation funds are released after an inspection confirms the work is complete. The lender then releases the funds to your solicitor, who pays the contractor directly to ensure a smooth process.

Schedule a consultation Today!

I’m excited to connect with you and support you on your unique journey to homeownership. Helping others navigate their challenges and achieve their dreams brings me immense joy, and I look forward to learning how I can make a difference in your story.

Meet Antonietta Gaudet – Your Purchase Plus Improvement Specialist

Expert Advice with Local Knowledge

Antonietta Gaudet is a trusted Mortgage Professional with Dominion Lending Coastal Mortgages, specializing in helping you to renovate your home and deal with the mortgage process in Campbell River and Comox Valley. 

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Everything You Need to Make Smart Home Financing Decisions

Take the guesswork out of buying a home with Antonietta Gaudet's powerful mortgage calculator app. From estimating your down payment to stress testing your mortgage and comparing options side by side, this app simplifies it all. Available in English, French, Spanish, Hindi, and Chinese, it's designed to meet your needs—wherever you are.

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What Clients Say

"...if you are looking for a honest respectful kind and always there day and night I would say look no further here is your one stop shop realtor mortgage broker ……FYI my friends keep asking how I got such a low interest rate and I can only say Antonietta!"

-Tyler L.

"Antonietta was extremely helpful with finding our new home in the Campbell River area. Even when we were still off island she was willing to step in for visits from inspectors on our behalf. "

- James M.

"We used Antoinetta's services in the purchase of our first home. Antoinetta was our real estate agent and our mortgage broker."

- Sydney M.
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