Ottawa’s Best Construction
Loans Starting at 2.09%

We specialize in funding all types of construction projects. Enjoy the best rates and advice for land development, detached, semi-detached, multi residential and much more.

Develop Your Vision With SJC Financial

With many extensive options available including private financing, take advantage of our teams connections and knowledge. Bring to life any project with confidence knowing you are getting the lowest rate possible for construction financing.


Private Financing Option

We offer private financing options for construction projects for those who seek alternative funding from traditional banks and lenders. Avoid strict rules and guidelines. Message us today for more information.

Get Financing
Unlimited Draws

Unlimited Draws

Take advantage of hassle free unlimited draws. Enjoy no unnecessary fees when you apply for a construction loan through SJC Financial.

Apply Now

24 Hour Approval for Construction Financing

SJC Financial's mortgage process is fast, easy and intuitive each step along the way.

  1. 1

    Get pre-approved.

    Our team will let you know if you're qualified before you finish the full application.

  2. 2

    Select your rate and term.

    Our team will help you choose the right mortgage that fits your needs.

  3. 3

    Verify your info and sign.

    Provide us with the needed documentation to complete the process.

  4. 4

    Peace of mind.

    Our team will handle all the other details and paperwork for you.

Residential Development

Residential Development

Build the home or investment property of your dreams with sound financing. Get approved for single detached, semi detached, multi residential and much more. Contact us today to explore your options.

Contact Us
Land Development

Land Development

Start your land development project with SJC Financial. Our team has worked on a number of large scale land development projects and can transfer their extensive expertise on to you and your project to ensure a greater likelihood of success.

Get Started

Construction Mortgage

starting from

2.09 %

Lock in Today's Best Construction Rates

Save thousands by acquiring the best construction rates in Ottawa guaranteed. Our team will shop AAA lenders and can provide private financing as well depending on your preference and goals.

Get Rate

Our Trusted Lenders

  • Alterna
  • ATB Financial
  • B2B Bank
  • Bridgewater
  • Canadiana
  • CMLS Financial
  • Equitable Trust
  • First Ontario
  • Home Trust
  • ICICI bank
  • Industrial Alliance
  • ING
  • Manulife Bank
  • MCAP
  • Merix
  • Meridian
  • Optimum
  • Prospera
  • RMG Mortgages
  • Scotiabank
  • Street Capital
  • TD Canada Trust
  • Valley First
  • Vancity
  • Wealthline
  • Westminster Savings

Happy Clients

  • One of the best people I've ever had the pleasure to do business with. This guy is always on top of his game, an absolute machine, can get you the best rates, always answers your calls and gets stu...
    Michel Tamer
  • I would like to say the amazing knowledge and insight received will help me with my long-term financial plans. Much appreciated.
    Brad Carlyle
  • My husband and I had the best experience dealing with Steven and his team, they were knowledgeable, efficient and found us the best rates available. They made the process of selling and purchasing ...
    Amanda Adlard
  • Steven has been such a joy to work with. I owe my success to him- he’s like my secret weapon. Steven and I have been working together since 2016 on refinancing, new mortgages and now we’re ont...
    Gemma Watson
  • SJC financial helped me purchase my first home, everything was simple and easy with no setbacks. I was approved quickly and they got me a fantastic rate with a AAA lender. Definitely happy with the...
    Ryan Andrews

From the Blog

Benefits of Investing in Multi-Family Real Estate
January 13, 2021

Benefits of Investing in Multi-Family Real Estate

Top 3 Biggest Home Seller Mistakes
December 23, 2020

Top 3 Biggest Home Seller Mistakes

3 Tips on How to Better Your Credit Score
December 9, 2020

3 Tips on How to Better Your Credit Score