Construction Loans

The PUNEET GARG EXPERT MORTGAGE team is not stranger to working with builders that are just starting out in the industry. We are more than equipped to help you fully reach your goals of owning your own construction company.

We have a great deal of experience working with numerous construction companies each with unique requirements and financial needs. We are able to provide a tailored financing program that suits your business perfectly. We can work with you if you are planning to construct hundreds of homes each year, or if you are a smaller more specialized company. Contacting us today will allow you to speak to one of our experts, who will be able to further outline how we can make your dreams a reality.

Here are some of our most popular products and services for the construction industry:

  1. Credit Facility Management,
  2. Annual Customer Partnership Planning Session,
  3. Speculative Financing,
  4. Purchaser Mortgages,
  5. Draws and Inspections.

PUNEET GARG EXPERT MORTGAGE prides itself on having one of the simplest and fastest application processes. We will be able to provide you with a tailored solution within a very tight timeframe.


As experts in the field with many decades of experience between us, we can provide financing based on a pre-sold and speculative basis. The real advantage to our services is that there are no fees, either at the start of doing business with us or at closing. We also fully understand that business can be an uncertain affair so we often waive cancellation fees for some of our mortgage plans. We have a wide range of plans to choose from and are very flexible when it comes to your needs.

Unlike most other mortgage brokers out there, we will suggest out of the box solutions to difficult problems. Where our competition sees a roadblock, we see an opportunity to surprise our client with how nimble we can be. We love relish each opportunity to allow a business to flourish where others said it could not be done. Perhaps our most forward thinking program is that we allow you to take out a mortgage during the very early stages of construction. The details of this are outlined below. The further along you are in the process, the greater the percentage of funds you will be able to have access to, as outlined below.

Lock-up – 35% to 55% complete
Drywall – approximately 75% complete
Completion – 100% complete
*additional draws may be available with approval

We consider ourselves to be one of the most forward thinking an adaptable mortgage brokers in that deal within the construction industry. If you have any questions about how to best address a specific need of your business, then please get in touch with us. You will not be disappointed in our abilities and experience. We look forward to hearing from you.