The fall listing season can be a busy stretch for the Ontario real estate calendar. But the homes that list strong in September aren’t the ones that started getting ready in September — they’re the ones that did the work over the summer. For brokers, that makes the next few weeks the right time to set up a fall renovation pipeline, before everyone else is scrambling.
A renovation takes time. A kitchen and bathroom refresh, fresh paint, updated flooring — even a focused, sell-ready renovation runs several weeks from start to finish. A client who waits until the fall market is already underway has missed their window to capitalize. The home either lists in its tired condition, or it sits on the sidelines while the work gets done and the prime weeks in fall pass by.
The clients who decide now to renovate over the summer are the ones who hit the fall market with a home that shows beautifully — and sells for more.
Most sellers don’t think about financing the renovation until they’re already behind. That’s the opening. A broker who raises it early — who asks a client thinking about a fall sale whether the home is truly ready to list — becomes the advisor, not just the lowest rate-shopper.
The conversation is simple. If the home needs a refresh to sell for what it’s worth, the work should be funded and underway now, not in October. And the funding shouldn’t mean draining savings or waiting weeks on a HELOC right before a move.
This is exactly where a Tembo renovation loan earns its place. Tembo advances the funds against the equity already in the home — often within 48 hours, with no income verification in many cases and no monthly payments.* The work gets done over the summer, the home lists strong in the fall, and Tembo is repaid from the proceeds when it sells.
For clients who flip, the same tool funds the project against the equity at acquisition and is repaid at the sale — no separate construction loan, no draw-schedule headaches, no GDS or TDS qualifying. Tembo can even leverage multiple properties to make tight equity on flips work.
The brokers who do well this fall are the ones having renovation conversations now, while there’s still time to get the work done. A few worth starting this month:
Every one of those is a deal waiting to be set up — and a relationship that comes back time and time again.
Have a client thinking about a fall sale? Now is the time to get the home ready. Call Tembo Financial at 416-238-6717 or visit www.tembofinancial.com to learn more.