Renovation mortgage

Finance your renovations: insulation, kitchen, bathroom, roof. Up to 80% LTV.

Renovation mortgage funds property improvements: insulation, solar, extension, kitchen/bathroom redo. Often a top-up on existing mortgage. Energy work may qualify for green rates (Minergie).

Green mortgage

0.1-0.4% rate cut for certified energy work.

Cantonal subsidies

Polia lists subsidies available per canton.

FAQ

Maximum amount?: Limited to 80% of post-renovation value. Bank re-appraises.
Processing time?: 4-8 weeks with full file (quotes, photos, cantonal permit if needed).

Other products

Fixed-rate mortgage

Rate locked 2-15 years — absolute predictability.

SARON mortgage

Variable rate indexed on SARON — typically cheaper on long-term average.

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Finance your renovations: insulation, kitchen, bathroom, roof. Up to 80% LTV.

Compare now