Ontario's ADU Planning Platform — Now Accepting Waitlist

Your Backyard Could Be
Earning You $2,000/mo

Visualize, plan, and finance a garden suite on your Ontario property. We run the numbers, walk you through feasibility, and connect you with trusted local experts.

Calculate My ROI Join the Waitlist
$1,800–$2,800
avg. monthly rental income (Simcoe)
$800–$1,200
monthly cash flow — pay your mortgage, cover the bills, or fund the family vacation. You choose.
Bill 23
reduced dev charges for ADUs in Ontario
Why Now

Ontario Changed the Rules.
Your Backyard Is an Asset.

Under Ontario's Bill 23 (More Homes Built Faster Act), most municipalities in Simcoe County have been required to allow garden suites on residential lots — with significantly reduced or eliminated development charges.

A garden suite (also called an ADU, laneway suite, or backyard coach house) is a self-contained dwelling unit built in your backyard. Most homeowners have no idea their property qualifies — or how much income it could generate.

As-of-right zoning
No minor variance needed in most cases
Reduced dev charges
Bill 23 eliminated many fees
Property value boost
Avg. 15–25% equity increase
Multigenerational living
Parents, kids, or rental income
Garden Suite Your Home $
Estimated Annual Income
$24,000
Based on 600 sqft garden suite
Simcoe County Vacancy Rate
1.4%
Near-zero vacancy
The Process

How YardSuite Works

From curiosity to cash flow in four simple steps.

1

Describe Your Property

Enter your lot size, existing home footprint, and municipality. We check zoning feasibility automatically.

2

Visualize Your Options

See size-appropriate garden suite configurations that fit your lot — detached, garage conversion, and more.

3

Run Your Numbers

Our full financial model shows cash flow, ROI, mortgage payments, and payback period — all adjustable in real time.

4

Connect with Experts

Get introduced to DevCom Homes for your build and TMC Greater Simcoe for financing — warm, vetted introductions only.

Join the Waitlist

Get Early Access

YardSuite is launching in Simcoe County first. Join the waitlist and be among the first homeowners to visualize, plan, and build your garden suite.

1
2

Takes under 60 seconds. No commitment.

Frequently Asked

Everything You're Wondering

How much does an ADU cost in Ontario? +

Most detached garden suites in Simcoe County range from $180,000–$320,000+ depending on size, finishes, site conditions, and your specific preferences. Every project is different — DevCom will walk you through realistic pricing based on your goals.

How long does it take from start to finish? +

Typical timeline is 8–14 months: 2–4 months for design & permits, then 4–8 months for construction. Prefab and modular options can cut build time by 30–40%.

Do I need a special permit? +

Since Ontario's Bill 23, up to 3 residential units are allowed "as of right" on most urban residential lots — no rezoning required. You still need a building permit, which DevCom manages for you.

Can I afford this without savings? +

Most homeowners finance their ADU through home equity — HELOC, refinance, or construction draw mortgage. TMC Greater Simcoe can often structure $0-out-of-pocket solutions using projected rental income.

Will my property taxes go up? +

Yes — your property will be reassessed after the ADU is built, and your taxes will increase. The exact amount varies depending on your municipality and property value. You can adjust the property tax estimate in our ROI calculator to match your area.

What if I want to Airbnb instead of long-term rent? +

Short-term rental rules vary by municipality. Some Simcoe municipalities require licensing or restrict STRs to principal residences. We'll flag local rules during your feasibility review.

Does an ADU increase my home's resale value? +

Yes — the lender will require a licensed appraiser to complete a professional appraisal of your property. The appraised value will reflect the addition of a fully permitted garden suite, and the exact increase will depend on your local market and comparable properties.

Can I sever the lot and sell the ADU separately? +

Not currently under Ontario law — garden suites must remain on the same parcel as the main dwelling. You can rent them or house family, but severance and separate sale aren't permitted.

Free Tool Coming Soon

Is Your Property ADU-Ready?

Answer 4 quick questions and get an instant feasibility assessment.

We'll query public GIS, Google, and OpenStreetMap to estimate your lot dimensions.

Disclaimer: Estimates from public data sources are approximate. A current, professionally prepared land survey is the only authoritative source for lot dimensions, setbacks, and boundaries. Upload your most recent survey for the most accurate feasibility assessment.

Ground-floor area of your existing house (counts toward lot coverage)

Visual Preview

See It In Your Backyard

Explore style options and rough floor-plan schematics before you commit. Pick a look that speaks to you.

Modern Studio

Modern Studio

448 sqft · open great room · 3-piece bath · WIC

Classic 1-Bedroom

Classic 1-Bedroom

682 sqft · 10'×10' bedroom · 3-piece bath · open L/K/D

Family 2-Bedroom

Family 2-Bedroom

980 sqft · two 10'×10' beds · 1.5 bath · laundry

Two-Storey Duplex

Two-Storey 2-Unit

1,408 sqft · 2 side-by-side 2-bed units · mirrored layout · double rent

AI Rendering

Generate a custom preview

Describe your style and we'll render a concept image of an ADU in your backyard. Use it to show family, inspire conversations with your builder, or decide on a direction.

Coming Soon
🏡
AI Visualizer
Photorealistic renderings of your garden suite — tailored to your style, materials, and lot. Launching soon.

Disclaimer: AI renderings and schematic floor plans shown here are conceptual only. They are not architectural drawings and should not be used for construction or permit applications. All designs must be finalized by a licensed architect or designer before building.

ROI Calculator

Run Your Numbers

Every number is adjustable. Model your exact project and see real-time returns.

1 Build Costs (Hard Costs)

sqft
300 sqft1,200 sqft
$ /sqft
$150/sqft$400/sqft

2 Soft Costs

$
$
$
%

3 Your Equity Position

$
$
Available Equity (80% LTV) $0
ADU Build Cost $0
Out-of-Pocket Required $0

Most homeowners with sufficient equity can finance the entire build through a refinance, HELOC, or construction mortgage — often with $0 out of pocket. Every situation is different and depends on how the financing is structured.

4 Loan Terms

%
yrs

4 Income & Operating Costs

$
$800/mo$4,000/mo
$

Estimated annual increase from ADU reassessment — varies by municipality

$

Additional premium on your existing policy for the ADU

Your Projected Returns
Total Project Cost $0
↳ Hard Costs $0
↳ Soft Costs $0
Out-of-Pocket $0
Loan Amount $0
Monthly Mortgage $0
Rental Income $0
Monthly Expenses
Mortgage $0
Tax Increase $0
Insurance Increase $0
Total Expenses $0
Key Metrics
Monthly Cash Flow
$0
Annual Cash Flow
$0
Cash-on-Cash
0%
Payback Period
0 yrs
10-Yr Net Income
$0

Note: In many cases, the appraised value increase from a garden suite can exceed the actual cost to build — meaning you may gain more equity than you spend. Every situation is different. The right builder and accurate numbers from the beginning make all the difference.

I'm Ready — Join the Waitlist
Financing Partner

Financing Made Simple with
TMC Greater Simcoe

Building a garden suite is a major investment — and the right financing structure makes all the difference. TMC Greater Simcoe specializes in helping Simcoe County homeowners unlock the equity in their existing property to fund their ADU build, often with zero out-of-pocket cost at closing.

HELOC & Refinance Options
Use your home equity — no need for savings
Construction Draw Mortgages
Funds released at each build milestone — pay less interest during construction
Private & Alt-A Lending
Solutions for self-employed and non-traditional income
Rental Income Qualification
Use your projected suite income to qualify for a larger loan
Speak with TMC Greater Simcoe
TMC Greater Simcoe
Mortgage & Financing Specialists
15+
Years in Simcoe County
$200M+
Mortgages Arranged
50+
Lender Partners
4.9★
Client Rating

"We work exclusively with homeowners looking to build ADUs. We understand the product, the numbers, and how to get deals done in Simcoe County."

— TMC Greater Simcoe Team
Trevor Hough
Meet Your Guide

Trevor Hough

Builder, Developer & Financing Specialist

With a background in building and real estate development, I've been through the entire ADU process myself — from structuring the financing to managing the build. I know firsthand how to make the numbers work because I've done it.

When it comes to financing your garden suite, having someone who understands both the construction side and the mortgage side makes all the difference. I've seen what works, what lenders look for, and how to structure a deal so homeowners can build with confidence — often with $0 out of pocket.

Building & Development Financing Strategy ADU Specialist
Run Your Numbers

Financing Scenarios

Pick the route that matches your situation. Results update as you type.

A

Standard Refinance

80% Current Value LTV

The conventional route. No mortgage insurance, no premium — but capped at 80% LTV on the current value (before the ADU is built).

$
$
$

Results

Key terms

LTV — Loan-to-Value ratio. The mortgage as a percentage of property value.
As-Complete Value — What the property will be worth after the ADU is built, verified by appraiser.
Equity Available — Cash you can access by refinancing, after paying off your existing mortgage.

Disclaimer: Estimates only. As-complete values must be verified by a CMHC-approved appraiser. Qualification depends on income, credit, and debt servicing ratios. Speak with TMC Greater Simcoe for your actual scenario.

Exclusive Build Partner
DevCom Homes

Built by DevCom Homes

Ontario's trusted garden suite builder, now serving Simcoe County.

Visit DevCom Homes

ADU Specialists

DevCom Homes builds more than ADUs, but it's a category they specialize in — given it's a rental product, the build, budget, and timeline have to be dialled in.

Reliable Pricing

DevCom provides transparent, upfront pricing tailored to your project. Every build is scoped to your goals so you know exactly what to expect.

Full-Service Build

DevCom handles permits, inspections, and coordination from start to finish. You stay informed without the stress of project management.

Speak Directly with DevCom Homes

All introductions through YardSuite are warm and pre-qualified. DevCom Homes will reach out to you personally after your application is reviewed.

Direct Line
(705) 242-7323
What Homeowners Say

Simcoe Homeowners, Simcoe Stories

★★★★★

"I had a vague dream of renting out my backyard. YardSuite gave me clarity in 10 minutes — I knew the numbers, the rules, and who to call."

S
Sarah M.
Barrie, ON
★★★★★

"The ROI calculator convinced my wife. We're breaking ground in May — DevCom handled the whole permit process."

D
Derek L.
Innisfil, ON
★★★★★

"TMC structured our financing so we didn't pay a dollar out of pocket. Our suite is now bringing in $2,100/month."

A
Amanda R.
Orillia, ON
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