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Funding a renovation – what are your options

Thinking about upgrading your home from dull to dazzling? We’ve compiled a selection of home improvement finance options to assist you in bringing your vision to life.

Whether you’re aiming to add some final flourishes to your space with a fresh coat of paint or embark on a total transformation, we have a solution tailored to your needs.



This is a very common way to fund a renovation if you have enough equity in your ome. Equity is the difference between the bank’s valuation of your home and the amount you owe on it. Once this is established you may be able to top up or refinance your loan, giving you access to funds for your project.



Depending on the type of loan you have, if you’ve made additional repayments on your mortgage, you may be able to redraw those funds to use for your renovation.


Construction Loan

For major renovations, or when lacking equity, you may consider this type of loan. Construction loans allow you to draw funds progressively as your invoices arrive, meaning you only pay interest on what you have drawn down.


Personal Loan

Remember though, interest rates on personal loans are generally much higher than on home equity loans.


As you can see there are a number of ways to make your renovation project come to life – contact us to see how we could help.

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