Home Improvements Finance
DIY Loans – whether it’s a small DIY project, a home renovation or even a total remodelling of your home, here at Loansmart, we have the know-how to finance all you need. There’s no need to put your home upgrade plans on hold. We provide flexible home improvement funding, tailored just for you.
With flexible rates, we can provide the right financing for your home improvement tasks.
We know how important it is to make sure your living spaces complement your home and your lifestyle. Perhaps it’s time for a bit of landscaping, a new deck or just a tidy up in the back yard. Getting skylights put in, bathroom renovation, kitchen makeover, ensuite addition, in fact, it’s endless. We can sort you with a DIY loan that will turn your home dreams into reality.
Affordable DIY loans will smarten up your space, just the way you want it to tickle your fancy. You can get to the planning and implementation stages straight away. With Loansmart as your DIY loan funding partner to assist in your round the home projects, you can tick each one off until you have the ‘perfect’ home!
Simply complete our online application or give one of our friendly team a call on 0800 255 155.
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8 Mistakes Everyone Makes During a Home Renovation
(And How to Avoid Them)
Focus is key, as is a bit of thoughtful planning. Below, are the eight of the most common mistakes that nearly everyone makes before and during a renovation, and how to avoid them before making that huge, gaping hole in the wall.
Overlooking the most-used rooms
People often do not invest in the rooms that are the heart of the home, like the kitchen or living room. It’s important to prioritise these spaces. It is extremely important that functional spaces like the kitchen and bathrooms are up-to-date, especially when considering resale value. Only after these rooms are in great shape should you move onto less-crucial spaces like the bedroom or an office.
Spending too much on the wrong things
If you’re going to invest in higher-priced items like kitchen appliances or bathroom fixtures, you can always balance it with more affordable items somewhere else. Just avoid doing the reverse: spending a lot on an accent wall and then economizing by installing laminate floors instead of hardwood. Think about what will make the most impact when you go to sell the home. It’s a give-and-take process.
For DIY Loans – apply here.
Ignoring the bathrooms
It is so important to renovate the bathrooms in your home so that they are always up to date – this is very important for resale value down the line. You can keep the renovation super simple by replacing outdated tiles with classic stone or swapping in beautiful new fixtures. It doesn’t have to be a complete overhaul.
Forgetting about the landscaping
This is the prelude to the interior. It sets the mood and creates an atmosphere and it should tie into what is happening with the interiors. There should be a point of view in regards to the landscape, no matter what room you are sitting in. They all relate to create the most dynamic spaces inside and out.
Not respecting the bones of the house
Mixing and layering different styles and time periods is great, but you should always know and understand what the bones of the home are and respect the original architecture. Not sure what to do with your space? Hire a designer or architect for their expert opinion.
Choosing a contractor or tradie on a whim
People who are renovating often choose a contractor too quickly. It’s best to take time to research and where possible go with a referral. If you don’t have a referral, it’s advisable to get a few prices to find the best match for your budget. Ask the contractor to speak with previous clients of theirs or try to go see some of their work in person.
For DIY Loans – apply here.
For a serious renovation, hire an architect and designer
This is definitely one place to splurge – it really can save in the long run. Having an architect and designer on board will help to streamline the project and give you the best version of what you’ve envisioned for the home. They often have relationships with vendors to make buying fixtures and furniture both more affordable (with a designer discount) and less stressful. DIY is great in theory but you never want to bite off more than you can chew when it comes to home renovations. All qualifies and experienced hired help should be welcome.
Setting a budget without overages
You should budget for approximately 15–20 percent in overages. But don’t tell anyone in your project circle your “hard” numbers, keep that up your sleeve so you know that you have a bit of room if something goes wrong. Things will definitely run over, they always do – there are almost always unforeseen issues once you start to tear down the walls!