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(647) 408 – 5050
sales@permitman.ca
Garden Suite:
A “Garden Suite” is a self-contained living accommodation located within an ancillary building, usually located in the rear yard, but not on a public lane, and is separate or detached from the primary dwelling on the lot.
Lane Way Suite:
A Laneway Suite is a self-contained residential unit located on the same lot as a detached house, semi-detached house, townhouse, or other low-rise house. A Laneway Suite is typically located in the back yard next to a public laneway and is generally smaller in size, and completely detached from the main house on the lot.
Advantages:
Income Generation for Homeowners: The potential to rent out a laneway suite or a garden suite provides homeowners with an additional stream of income. In a city where rental prices are high, it can help cover their mortgage or living expenses.
Increasing Property Value: garden suites and laneway suites add value to a property. By adding a secondary dwelling, property owners may be able to increase the property’s market value.
Sustainability and Green Space: Garden suites often integrate eco-friendly designs, such as solar panels, green roofs, or energy-efficient features. They can contribute to more sustainable living and better utilize backyard space without compromising existing gardens or green areas.

Secondary Suite Loan Program:
In 2025, Ontario homeowners can access the Canada Secondary Suite Loan Program and mortgage refinancing to build garden suites or to convert an unused basement into a rental apartment or a garage into a laneway home to increase density in our communities. These programs are intended to help homeowners increase their income and create more affordable housing.
Loan program:
- The Canada Secondary Suite Loan Program offers loans of up to $80,000 at a 2% interest rate over 15 years.
- The program is intended to help homeowners finance the creation of rental units in their homes, such as basement suites, laneway homes, or garden suites.
Mortgage refinancing:
- Lenders and insurers can offer mortgage refinancing of up to 90% of the post-renovation value of a home.
- This refinancing can be amortized over a period of up to 30 years.
Homeowners will be able to make use of both the loan program and mortgage financing to help cover the cost of adding a secondary suite.
Other programs:
- The City of Hamilton’s Ontario Renovates program offers forgivable loans of up to $50,000 for homeowners to create secondary suites. (https://www.hamilton.ca/people-programs/housing-shelter/housing-supports/ontario-renovates-programs)
- The City of Toronto’s Expanding Housing Options in Neighborhoods (EHON) program allows garden suites in most residential zones. (https://www.toronto.ca/city-government/planning-development/planning-studies-initiatives/expanding-housing-options/)
For more information on how you can use this program, you should consult a financial advisor.
Our scope of work includes:
- Free site visit and consultation
- Measurement of existing building & site plan
- Generating existing and proposed architectural & structural & mechanical drawings
- Submission to the city and follow up until the permit is issued
What makes us the best choice?
- The design is completed within 10 business days.
- We provide cost-efficient design solutions that comply with OBC
- We don’t submit the permit applications until you are satisfied
- We guarantee on-time project completion.
- We prioritize 100% customer satisfaction.
Place your confidence in Permit Man and trust us with the seamless processing of your Garden suite or Lane way suite permit.



