Renovate Now, Pay Later®

Transform your home before you buy or sell. Zero upfront cost. All renovation expenses are settled at closing.

How It Works Get a Quote
$0
Upfront Cost
30+
Renovation Types
12%
Avg Value Increase
200+
Projects Completed

How RNPL® Works

Four simple steps to a transformed home.

1
Consultation
Meet with our renovation team to discuss your goals, budget expectations, and timeline.
2
Custom Plan
We design a renovation plan tailored to maximize your home's value and appeal.
3
We Renovate
Our licensed contractors complete the work. You pay nothing during construction.
4
Pay at Closing
Renovation costs are deducted from your sale proceeds or rolled into your purchase.

Services

What we can renovate.

🍳
Kitchens
Full remodels, cabinet refacing, countertops, backsplash, and appliance upgrades.
🚿
Bathrooms
Complete renovations, walk-in showers, vanities, tile work, and fixtures.
🪟
Flooring
Hardwood, laminate, tile, and luxury vinyl plank throughout your home.
🎨
Painting
Interior and exterior painting with premium finishes and expert prep work.
🌳
Landscaping
Curb appeal upgrades, gardens, patios, fencing, and outdoor living spaces.
🏢
Basements
Full basement finishing, egress windows, extra bedrooms, and rental suites.
💡
Electrical
Panel upgrades, pot lights, smart home wiring, and EV charger installation.
🚪
Windows & Doors
Energy-efficient replacements, entry doors, and patio door upgrades.

For Sellers

Sell for more with RNPL®.

Homes with updated kitchens and bathrooms sell faster and for more money. RNPL® lets you make those improvements with zero out-of-pocket expense.

💰
Higher Sale Price
12% avg increase
⏱
Faster Sale
40% fewer days on market
Renovated home
Home purchase

For Buyers

Move into a home you love.

Found the right house in the right location but it needs work? RNPL® for Buyers lets you renovate before you move in. Costs are rolled into your purchase.

Talk to Us About RNPL®

Client Results

RNPL® success stories.

★★★★★
"The kitchen reno cost us nothing upfront and added $65K to our sale price. Best decision we made."
Sarah & Tom M.
Sellers, Mississauga
★★★★★
"We moved into a completely updated home without paying a penny for renovations upfront. Incredible program."
James & Lisa W.
Buyers, Vaughan
★★★★★
"Bathroom and basement reno done in 3 weeks. Sold in 5 days, $52K over asking. RNPL paid for itself 3x over."
Raj P.
Seller, Brampton

Get Started

Apply for RNPL®.

No upfront cost. No commitment. Tell us about your project and a People's Choice agent will be in touch within 24 hours.

  • ✓ $0 out of pocket
  • ✓ Up to $100K renovation budget
  • ✓ Approved contractor network
  • ✓ Repaid at closing

RNPL® Application