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If you want to take advantage of the $1,350 home Want another reason to renovate now? It pays to renovation tax credit, you’ll need to get that renovation renovate. The right improvements will boost the value done before February 1, 2010. So if it’s time for a new of your home. So you’re building on your biggest roof, new flooring, or a fresh new recreation room… investment – while you enjoy your improvements every day. Before you choose a renovation project, then, it’sworthwhile to consider what the impact will be on Here’s the detail. For renovations done between January the appraised value of your home – in case you ever 28, 2009 and February 1, 2010, you’re eligible to want to sell. The Appraisal Institute of Canada claim a 15% credit against your renovation expenses ( has a good idea on which renovation after the first $1,000. The maximum tax credit is projects can maximize the value of your home – and $1,350, which represents $9,000 worth of reno - which ones just don’t pay, financially.
vations, and comes directly off your taxes owing. A wide range of renovation expenses qualifies for the To check on the estimated payback, visit the RENOVA credit; go to the Canada Revenue Agency web site at section of the Appraisal Institute’s website (click on where there is a list of eligible expenses.
Client Resources Centre), which has an interactive web-based guide to the value of home improvements.
If your renovation project includes some energy-saving RENOVA is designed to give you a better idea of the home improvements, you may also be able to tap into return on investment you can expect for a variety of grant money under the ecoENERGY retrofit and other home improvements. You simply input the amount you government and local programs. You may therefore be plan to spend on one of the 25 listed renovation types, able to benefit from both of these incentive programs and you’ll receive an estimate of the effect this home improvement project may have on the value or resale But what about the upfront financing for larger of your home. Even if you are renovating for personal projects? If you’ve built some equity in your home, reasons only – to improve the livability of your home – you may be able to unlock the financing you need for it just makes good sense to understand how that those projects. Assuming your current mortgage is investment might payback in the value of your home.
$150,000, here’s an example of how you can roll your In today’s great interest rate environment, homeowners renovation cost into your mortgage and have one, easy aren’t renovating just because they want to… but monthly payment. You can then use your prepayment also because they can. Many are taking advantage of privileges to pay your renovation project off faster.
the Home Renovation Tax Credit, and incredibly low mortgage rates to refinance their mortgages, potentially saving thousands of dollars, while extracting some of that equity for a renovation project or two. If you’re interested in renovating, a great place to begin is with a call to your mortgage planner.
*Assumes 4.25% 5-year rate, 25-year amortization. OAC Corporate office: 6505A Mississauga Rd., Mississauga, ON L5N 1A6 Copyright 2009, Mortgage Architects, all rights reserved.


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