Project Financing
Multiply Your Property Value. Keep Your Capital. Elevate Your Outdoors.
Unlock Your Property's Hidden Equity
We help clients access equity stored in their properties to build value added exterior upgrades, and experience a significant ROI multiplier on every project.
Fallingbrook now offers landscaping project financing solutions to established homeowners, licensed realtors, commercial and industrial property owners, and professional real estate investors.
By working with our trusted lending partners—or coordinating with your existing bank or mortgage provider—we help prequalify property owners for construction financing at a low monthly cost, with no fees.
Of course, every project is
100% custom‑designed
to your property's unique characteristics, functional needs, select materials and preferred design aesthetics.
Project Tiers
The tiers below provide common high ROI projects with each tier's scope building on the previous. Each budget serves a suggested order of priority guide for multi stage projects for maximum ROI.
Elevate your home's first impression with meticulous landscape design and foundational hardscaping for the front of your property. Perfect solution for the homeowner or relator in the pre-market staging process that want to elevate the curb appeal prior to listing.
The Curb Appeal
THE PROCESS
We bring your landscaping vision to life with bespoke architectural design, and installation ensuring your front yard creates a positive and lasting first impression.
SCOPE & SCALE
Priority focus on the front property for curb appeal
EXAMPLE PROJECTS
- Natural stone porch, steps and railings
- Custom interlock walkways
- Comprehensive terrain grading
- Premium sod installation
- Curated garden beds
- Meticulous planting
Do you have a dream of a total front and back yard transformation? Elevate your exterior spaces into an elegant extension of your home with premium architectural design and hardscape solutions for both the front and backyard with a continuous design aesthetic.
The Transformation (Front/Back)
THE PROCESS
Our team executes your project with efficiency and expert precision, ensuring every inch of your property is optimized for function, form, and aesthetics.
SCOPE & SCALE
Includes all Tier 1 curb appeal deliverables, while expanding your project to add dedicated backyard structures and outdoor living spaces.
EXAMPLE PROJECTS
- Premium stone and interlock patios
- Premium bespoke carpentry (custom fences and decks)
- Natural stone retaining walls
- Ambient lighting to elevate your evening atmosphere
For larger projects, we will design and install comprehensive, large-scale integrated outdoor living landscape construction projects executed with uncompromising craftsmanship.
The Master Estate
THE PROCESS
Experience our "Vision & Design" service, featuring immersive 3D renderings, landscape architectural drawings, engineering and permitting, etc. We act as trusted stewards of your property, balancing function and high-end aesthetics before our professional team handles the heavy lifting to build your master plan.
SCOPE & SCALE
Includes all deliverables from Tiers 1 and 2, while expanding the project to unlock multi-zone property overhauls.
EXAMPLE PROJECTS
- Curated landscape design and architectural drawings
- Multizone natural stone hardscaping and masonry areas
- Bespoke architectural woodwork (pergolas and gazebos)
- Custom outdoor living areas, large BBQ or fire pits areas
- Mature tree installations
This tier represents outdoor luxury living, with pool installations, dining and entertainment areas, recreational installs like putting greens or waterfalls and fire pit features.
The Private Oasis
THE PROCESS
From immersive 3D architectural rendering to structural engineering and permit acquisition, our professional team delivers complete, transformative care to execute a breathtaking, turn-key backyard oasis.
SCOPE & SCALE
Culminating in the ultimate luxury experience, this tier builds upon all the deliverables of Tiers 1, 2, and 3, allocating a premium budget for resort-style amenities
EXAMPLE PROJECTS
- Premium pool installations (with natural stone or interlock pool decks)
- Fully equipped masonry outdoor kitchens
- Architectural woodwork pavilions
- Tranquil water features
- High-end meticulous planting for absolute privacy
Financing Options
Home Equity Line of Credit (HELOC): Most banks offer these home equity products with greater flexibility — pay only for what you draw. This makes carrying costs as low as ~$160/month per $100K borrowed, keeping your monthly exposure manageable while the project delivers lasting value.
Home Equity Loan
A lump-sum loan secured by your home, offering lower interest rates and predictable fixed monthly payments — ideal for projects with a defined scope and budget.
Cash-Out Refinancing
Replace your existing mortgage with a larger one and take the difference as cash. Best for homeowners looking to fund major high-value renovations while potentially lowering their overall rate.
Construction Mortgage / Loan
Short-term financing designed specifically for active construction stages, with funds released as project milestones are reached — keeping your cash flow aligned with project progress.
Key Considerations
-
Energy Efficiency Incentives
The Canada Greener Homes Initiative offers grants and loans for approved renovations.
-
Best Time for Financing
Consider refinancing during mortgage renewal.
-
Lenders
Major banks like RBC and Scotiabank offer specific renovation products.
Got Questions?
Everything you need to know about financing your curated estate.
You have complete freedom to choose your financial institution. While we have trusted, specialized lending partners who can often expedite the approval process for construction loans, you are absolutely welcome to take our fixed-price project quote directly to your existing mortgage provider or financial advisor to secure a HELOC on your own terms.
Our financing options are designed to cover the entire turn-key project. This includes everything from the initial 3D architectural rendering and permit acquisition, to all premium materials (hardscaping, botanicals, structures), expert labor, and site disposal. If properly assessed, there are no surprise out-of-pocket expenses required to cross the finish line.
At Fallingbrook, we pride ourselves on providing comprehensive, fixed-price quotes upfront. You will know exactly what the project costs before a single shovel hits the dirt. However, when applying for financing, we generally recommend requesting a 10% to 15% buffer above the quoted price. This provides peace of mind and allows you the flexibility to add premium upgrades—like mature specimen trees or enhanced lighting—mid-project without needing to reapply for funds.
Because the financing is typically structured as a HELOC or an open mortgage product, you usually have the freedom to pay down the principal at any time without prepayment penalties. You can make the minimum monthly payments to keep your cash liquid, or pay off the entire balance the moment your annual bonus clears. (Always confirm specific prepayment terms with your selected lending partner).
For many of our affluent clients, financing is a strategic wealth-management decision, not a necessity. Liquidating a large stock portfolio or pulling from high-yield investments to pay cash for a $150,000 backyard oasis can trigger significant capital gains taxes and eliminate your future compound interest. By leveraging your home's equity at a competitive borrowing rate, you keep your capital liquid, your investments intact, and let the newly added property equity offset the cost of the loan.
The initial pre-approval process with our lending partners is incredibly swift—often taking just 24 to 48 hours. Because premium architectural landscaping requires time for careful design, 3D rendering, and material ordering, the financing is finalized entirely in the background and will never delay the start of your physical build.
*Added Value figures are estimated based on a potential 2x Return on Investment (ROI) multiplier for premium architectural landscaping in the Toronto real estate market. Actual property appraisal values may vary. Starting monthly investments are estimated based on standard HELOC/Refinance amortized rates as of Spring 2026. Subject to credit approval. Speak to our lending partners, or your existing mortgage provider, for exact rates and terms.
