{"id":32895,"date":"2023-02-16T09:47:37","date_gmt":"2023-02-15T22:47:37","guid":{"rendered":"https:\/\/www.dnister.com.au\/?p=32895"},"modified":"2023-02-16T09:47:37","modified_gmt":"2023-02-15T22:47:37","slug":"new-year-new-you-new-reno","status":"publish","type":"post","link":"https:\/\/www.dnister.com.au\/uk\/new-year-new-you-new-reno\/","title":{"rendered":"New year, new you, new reno?"},"content":{"rendered":"

Renovating is exciting. Having aesthetics and function on point can make your home feel new again. And possibly add to its value should you want to sell or refinance.<\/p>\n

But we\u2019ve all heard reno horror stories: shonky tradies, budget blowouts and permit nightmares, not to mention the recent supply chain disruptions. So we\u2019ve compiled some tips to help you avoid these perils (and associated headaches!).<\/p>\n

<\/div><\/div>

<\/i><\/i><\/span>1. Prepare and Plan<\/span><\/a><\/h4><\/div>
<\/p>\n

As Benjamin Franklin said, \u201cif you fail to plan you\u2019re planning to fail\u201d. Bit harsh, but it rings true. Especially for a reno.<\/p>\n

It\u2019s a good idea to keep organised with a to-do list and a timeline. You\u2019ll need to check for council restrictions and permit requirements. Ignoring this could mean hefty fines. Or having to tear down your hard work (it does happen!).<\/p>\n

Contracts should be set in place with tradies, the correct materials purchased, and a budget set \u2026 you\u2019ll have a lot on your plate.<\/p>\n

<\/div><\/div><\/div><\/h6>\n

<\/i><\/i><\/span>2. Research Tradies<\/span><\/a><\/h4><\/div>
\n

It\u2019s a no-brainer that a reputable and skilled tradie will most likely provide better outcomes. But they usually come with a higher price tag.<\/p>\n

The temptation to hire that cheap as chips mate of a mate is real.\u00a0But it\u2019s important to hire licenced tradies. Most state fair trading websites offer a free online service for you to check.<\/p>\n

Not doing so runs the risk of fines, shoddy work and costly re-dos. And the work of an unlicenced tradie most likely won\u2019t be covered by insurance. Also, be sure to check out any reviews and examples of their work.<\/p>\n

<\/div><\/div><\/div><\/h6>\n

<\/i><\/i><\/span>3. Budget and a Buffer<\/span><\/a><\/h4><\/div>
\n

Having a budget is an important step. You need to be realistic about how much your project is going to cost and whether you can afford it. It\u2019s also wise to have a contingency.<\/p>\n

Unexpected costs can really add up \u2013 just ask anyone who has completed a reno. Being prepared with a buffer can give you peace of mind to forge ahead in the face of surprises. Also, having a broker like us on your side can help make funding your reno more straightforward.<\/p>\n

We\u2019ll help you explore your financing options, which might include unlocking the equity in your home to fund your reno or any added costs. Not only can we help you find a competitive rate. We can also track down flexible loans, such as a line of credit, to help cover any unforeseen costs that crop up.<\/p>\n

<\/div><\/div><\/div><\/h6>\n

<\/i><\/i><\/span>4. Be Flexible<\/span><\/a><\/h4><\/div>
\n

To get a reno done, it\u2019s best to be flexible.<\/p>\n

It\u2019s not unheard of to uncover issues during a reno \u2013 such as structural problems, water damage, asbestos and faulty wiring \u2013 which require you to deviate from your original plans and budget.<\/p>\n

The building industry is also facing supply chain disruption due to recent world events, including the COVID-19 pandemic and the invasion of Ukraine.\u00a0As a result, wait times and costs are blowing out for some materials and so a specific item you had your heart set on may need to be replaced with an alternative.<\/p>\n

But by being flexible \u2013 including having a flexible line of credit \u2013 you can adapt and move forward with your reno.<\/p>\n

 <\/p>\n

<\/div><\/div><\/div><\/div><\/div><\/p>\n

 <\/p>\n

Get in touch<\/h3>\n

We know a thing or two about financing a reno. Our team can find flexible loan options, lines of credit and competitive rates to suit you. And if you\u2019ve got equity in your home, we can help you unlock it.<\/p>\n

We\u2019re ready to help make your 2023 reno dreams a reality. Get in touch today on 1800 353 041 and arrange to speak with a lending specialist or book an appointment online<\/a>.<\/p>\n

 <\/p>\n

Disclaimer:<\/strong> The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. In providing you with this information you should consider the appropriateness of this advice with regard to your particular financial situation and needs. We advise that you carefully read our Product Disclosure Statement and Financial Services Guide before acquiring a product. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent. Applications are subject to Dnister credit assessment criteria. Interest rates are subject to change without notice and should be verified with your local branch. Terms and conditions, including fees and charges, apply. For full details on our products and an analysis of your personal requirements, please arrange for an appointment with one of our friendly lending staff by contacting your local Dnister branch.<\/h6>","protected":false},"excerpt":{"rendered":"

Renovating is exciting. Having aesthetics and function on point can make your home feel new again. And possibly add to its value should you want to sell or refinance. But we\u2019ve all heard reno horror stories: shonky tradies, budget blowouts and permit nightmares, not to mention the recent supply chain disruptions. So we\u2019ve compiled some […]<\/a><\/p>\n","protected":false},"author":12,"featured_media":32947,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[],"class_list":["post-32895","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general"],"yoast_head":"\nNew year, new you, new reno? - Dnister Bank<\/title>\n<meta name=\"description\" content=\"Stay up to date with news and community events including New year, new you, new reno? at Dnister's website.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.dnister.com.au\/uk\/new-year-new-you-new-reno\/\" \/>\n<meta property=\"og:locale\" content=\"uk_UA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New year, new you, new reno? - Dnister Bank\" \/>\n<meta property=\"og:description\" content=\"Stay up to date with news and community events including New year, new you, new reno? 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