From blueprint to build, with financing that keeps your project moving.

Construction & Builder Financing

When you’re dealing with land, permits, builders, timelines, and changing costs, your financing can’t be an afterthought. It has to be planned, structured, and ready to flex.
At Mortgage art, Sepideh “Sepi” Sabet brings over 15 years of experience in Canadian banking and real estate financing to help pre-construction buyers, custom builders, and developers secure funding that actually works in the real world—not just on paper.
Sepi’s background inside leading Canadian banks, along with national awards for integrity and client service, means your project is guided by someone who understands exactly how lenders review complex files and how to position your application for success.

Share your project details, and we’ll map out your financing options together.

Our Construction & Builder Financing Services

From deposit schedule to closing table

Pre-Construction Mortgages

Pre-construction purchases run on extended timelines, staged deposits, and evolving costs. We help you see the full path from day one, so closing isn’t a surprise.

How we support pre-construction buyers and investors:

Clarify the full cost picture
We break down deposits, interim occupancy (if applicable), adjustments, and estimated closing costs in simple terms.
Plan for closing well in advance
Together we build a savings and cash-flow plan so your down payment and closing funds are ready when the property completes.
Prepare for future qualification
We review your income, credit, and debt now and highlight what needs to stay stable—or improve—before final approval time.
Explore rate and product options at the right time
As completion approaches, we help you choose a mortgage structure that fits your long-term plans, not just today’s headlines.

The goal: when your pre-construction home is ready, your financing is ready too—without scrambling.

Financing tailored to the realities of building

Builder & Development Financing

Each project has its own rhythm: land costs, trades, permits, draws, and an exit strategy. We help align your financing to that rhythm, so cash flow supports the work instead of slowing it down.

How we support builders, developers, and project-focused investors:

Project review with a lender’s lens
We look at your budget, timelines, and plans the way lenders will, identifying strengths and red flags early.
Match you with appropriate lender types
Depending on your project and profile, that could include institutional, alternative, or, where appropriate, specialized construction lenders.
Design practical draw schedules
We help structure funding tied to key milestones so you can pay trades and suppliers on time while avoiding unnecessary interest.
Stress-test your numbers
We walk through “what if” scenarios—cost overruns, delays, or market shifts—so you’re not caught off guard.
Plan for your exit or next stage
Whether you’ll sell, refinance into long-term hold financing, or roll into the next project, we help map the path ahead.

You focus on the build quality. We help make sure the financing structure can support it.

How Our Process Works

Project & Goals Conversation

We start with your project story—scope, location, timelines, and what a successful outcome looks like to you.

File & Documentation Review

We review your financial profile and project documents with the same critical eye a lender would, so we can anticipate questions before they arise.

Financing Strategy & Lender Options

You receive a clear outline of possible structures and lender types, with pros and cons explained in straightforward language.

Application & Approval Support

We help you prepare, organize, and present your application, staying in close contact as lenders review and respond.

Ongoing Guidance During the Build

As milestones, draws, and changes occur, we remain a resource—helping you navigate requests, extensions, and next steps.

Why Builders & Pre-Construction Buyers Work With Mortgage art

Proven Experience in Complex Lending

Sepi has spent more than 15 years inside Canadian banks and mortgage environments, working on files that go well beyond simple home purchases.

Award-Winning Professional Background

Her work in major banks has been recognized nationally for excellence, ethics, and client care—credibility that supports every recommendation.

Deep Understanding of Construction & Pre-Construction Files

From builder agreements to draw schedules and budget reviews, Sepi understands what lenders look for and how to position your project.

Education-First, Transparent Advice

You get clear explanations and honest guidance, even when that means adjusting expectations or revising plans to protect you.

Relationship-Based Approach

Many clients come back as they move from buying a first home into pre-construction, then into building and small-scale development. We think in terms of your full journey, not just one transaction.

Satisfied Clients