Quality Assurance Analyst

Financeit, a Canadian point-of-sale financing provider, has closed its first term asset-backed securitisation transaction, issuing C$201 million in series 2026-1 notes through its wholly owned vehicle, Financeit Securitisation Limited Partnership. The investment-grade notes, rated AAA(sf) to BBB(low)(sf) by Morningstar DBRS, were placed with institutional investors in Canada and the United States. The transaction marks the first Canadian term ABS backed by home improvement loans. Founded in 2011, Financeit has grown at a 33% compound annual growth rate over four years and expects 2026 loan originations to approach C$2 billion. The company now has approximately C$2.5 billion in annual loan funding capacity. Goldman Sachs and CIBC Capital Markets acted as joint lead placement agents, with BMO Capital Markets as co-manager.

Roof financing in Ottawa: $0 down with Financeit. Why Most Ottawa homeowners need to finance a roof. A typical Ottawa roof replacement runs $11,500 to $22,000 in 2026 - and most homeowners do not have that sitting in a savings account ready to deploy. Worse, roof failures rarely give you a heads-up. A leak appears in February. The damage is already starting. You need to act in weeks, not months. That is exactly why High 5 Exteriors partners with Financeit - one of Canada's most established home-improvement lenders - to offer roof financing for Ottawa homeowners. The application takes about five minutes, decisions are typically returned in under 60 seconds, and approved homeowners can move forward with their roof replacement the same week. How Financeit works (approved through High 5 Exteriors). Financeit is a Canadian fintech lender founded in 2011, headquartered in Toronto, with over a million loans processed across home improvement, HVAC, and roofing categories. Their roofing program is built specifically for contractors and homeowners. The flow is simple: * You receive a written quote from High 5 Exteriors for your Ottawa roof replacement * You apply for Financeit financing online - a 5-minute application directly on their secure portal * Financeit returns a decision in under 60 seconds for most applicants * If approved, the loan funds the project; you make monthly payments to Financeit directly * High 5 Exteriors gets paid by Financeit; you get your new roof installed The $0 down option. The most common financing structure Ottawa homeowners use is $0 down with monthly payments. No deposit, no down payment, no money out of pocket on installation day. The full cost of the roof - materials, labour, ice and water shield, ventilation, disposal, the entire job - is rolled into a fixed-term monthly payment. Term lengths typically range from 24 to 144 months (2 to 12 years). Longer terms mean smaller monthly payments but more total interest. Shorter terms mean larger payments but less interest paid over the life of the loan. Monthly payment examples (real Ottawa numbers). Sample monthly payments for typical Ottawa roof scenarios. These are illustrative - actual rates depend on credit profile, term selected, and current market conditions: * $13,000 Landmark roof, 60-month term: approximately $260 to $295 per month * $15,000 Landmark Pro roof, 84-month term: approximately $215 to $245 per month * $18,000 NorthGate roof, 84-month term: approximately $260 to $295 per month * $22,000 premium roof, 120-month term: approximately $245 to $280 per month Most Ottawa homeowners High 5 Exteriors Inc. work with land somewhere in the $200 to $300 per month range - less than a typical car lease, for a roof that will last 25+ years. Financeit vs Credit Card vs Personal Loan vs Refinance. Financeit is not the only way to pay for a roof. Here is how it stacks up against the alternatives: | Option | Typical Rate | Speed | Notes | | Financeit | Competitive fixed | Same week | $0 down, fixed term, no early-payment penalty on most plans | | Credit Card | 19% to 24%+ | Immediate | Most expensive option. Avoid if possible. | | Personal Loan (Bank) | Bank rate | 1 to 3 weeks | Variable approval, often requires existing relationship | | Refinance Mortgage | Mortgage rate | 4 to 8 weeks | Lowest cost over time but most paperwork and closing costs | For most Ottawa homeowners who need a new roof in weeks, not months, and who do not want to put a roof on a 22% credit card, Financeit hits the sweet spot of speed, simplicity, and reasonable cost. The tax-advantaged energy rebate combo. If your roof replacement includes a ventilation upgrade, attic insulation top-up, or a Solaris reflective shingle, you may qualify for federal or Ontario energy rebate programs. Stacking a Financeit-financed roof with energy rebates can effectively reduce the total cost by $500 to $2,500 depending on the program and what is included in your project. High 5 Exteriors Inc. provide rebate-eligible documentation as part of every Ottawa roof estimate where applicable. The combination of $0-down financing plus rebate stacking is one of the most cost-effective ways to upgrade your roof without paying a single dollar out of pocket on installation day. Application process: 5 minutes online. The Financeit application is mobile-friendly and takes about 5 minutes. Here is what to expect: * Basic personal information: name, address, date of birth * Employment and income details * Banking information for monthly payment auto-debit * Soft credit check (does not affect your credit score for most applicants) * Decision typically returned in under 60 seconds * If approved, loan documents signed electronically What documentation you will need. Have these ready before you start the application: * Government-issued photo ID (driver's licence or passport) * Proof of income (recent pay stub or tax return) * Banking details (transit number, account number) * Your written quote from High 5 Exteriors (High 5 Exteriors Inc. provide this within 48 hours of your free estimate) * Property address (for the financed work) Get a free quote and apply same-day. If you need a new roof in Ottawa and you are weighing how to pay for it, the smart first step is getting a written quote so you know the actual number you are working with. High 5 Exteriors provides free written quotes within 48 hours, with Financeit pre-qualification information included. From quote to financed installation can be as fast as 7 to 10 days. CertainTeed ShingleMaster(TM) certified since 2015, $5M insured, 2,100+ projects completed across Ottawa. Need financing on a roof in a specific Ottawa neighbourhood? High 5 Exteriors Inc. provide free written quotes with Financeit pre-qualification across Orleans, Nepean, Kanata, and Barrhaven - or browse all Ottawa service areas. Frequently asked questions. Q01Can I finance a roof replacement in Ottawa with $0 down? Q02How much is a monthly payment on a financed roof in Ottawa? Q03Does applying for Financeit affect my credit score? Q04How does Financeit compare to a credit card or HELOC? Q05Is the Financeit loan registered against my home? Q06Can I pay off the Financeit roof loan early? Q07What documentation do I need to apply for roof financing? Q08What if I have less-than-perfect credit? Mike Perron - Founder, High 5 Exteriors CertainTeed ShingleMaster(TM) certified contractor with 17+ years roofing Ottawa homes and buildings. 2,100+ completed projects across Ottawa, Orleans, Nepean, Kanata & Prescott-Russell.

Exterior financing: how to finance your siding, soffit, fascia, or eavestrough project. April 6, 2026 Exterior renovations like new siding, soffit, fascia, or eavestroughs are important investments that protect your home and improve curb appeal. However, many homeowners delay exterior work because of the upfront cost. Financing makes it possible to complete important exterior upgrades now and pay for the project over time with manageable monthly payments. Exterior financing makes home improvements more affordable. Financing allows homeowners to spread the cost of exterior renovations into monthly payments instead of paying the full amount upfront. This makes it easier to complete necessary repairs or upgrades without waiting years to save for the project. Many exterior companies offer financing through lenders that specialize in home improvement projects, allowing homeowners to get approved quickly and start their project sooner. Reynolds Brothers partners with Financeit to offer flexible payment options for exterior installation projects. Projects you can finance. Exterior financing can typically be used for many types of home exterior projects, including: * Siding replacement * Soffit and fascia * Eavestroughs and gutter systems * Gutter protection * Exterior repairs * Full exterior renovations This allows homeowners to complete larger exterior projects without paying everything upfront. Benefits of financing exterior renovations. There are several advantages to financing exterior work instead of delaying the project. First, financing allows you to complete necessary repairs immediately. Waiting too long to replace siding, fascia, or gutters can lead to water damage, mold, or structural issues that become more expensive over time. Second, financing helps homeowners manage cash flow by spreading payments out over time instead of using savings all at once. Third, exterior renovations often increase home value and improve energy efficiency, which can help offset the cost over time. Many financing programs also offer quick approval, flexible payment plans, and the ability to pay off the loan early without penalties depending on the financing provider. How exterior financing works. The financing process is usually simple and can often be completed online. In most cases, homeowners can apply for financing, receive approval, choose a payment plan, and then schedule their exterior project. Typical financing steps: * Apply for financing online * Get approved for a loan amount * Choose a monthly payment plan * Schedule your exterior project * Pay for the project over time Many financing programs also offer pre-approval that does not affect your credit score until you accept the loan. Is financing a good option for exterior renovations? Financing is a good option for homeowners who need exterior repairs or upgrades but do not want to pay the full cost upfront. It allows you to protect your home, improve curb appeal, and increase property value while keeping payments manageable. Exterior renovations like siding, soffit, fascia, and gutters are not just cosmetic upgrades. They protect your home from water damage, improve insulation, and extend the life of your home's structure. Financing allows homeowners to complete these important upgrades sooner rather than later. Final thoughts. Financing exterior renovations makes it easier for homeowners to complete important projects without large upfront costs. Whether you need new siding, soffit and fascia, eavestroughs, or gutter protection, financing allows you to upgrade your home now and pay over time. If you are planning exterior renovations, financing can be a flexible and affordable way to complete your project while protecting your home for years to come.