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Homeowners have many different options when renovation costs exceed their savings, but they don’t need to put off crucial work when they can’t afford it right away. Lines of credit and credit cards are common options, though the often exorbitant interest rates make these tough choices. If you already have a mortgage, the last thing you probably want is another thing to pay off.

To avoid adding new avenues of debt to your life, there are several options you have when looking to work renovations into the mortgage, both for soon-to-be and existing homeowners.  

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renovation stress

You don’t get a remodel or renovation without at least a little “renovation stress”. For many homeowners, it’s a necessary evil you have to go through to get the room you want. While we can’t eliminate all the stress, here are some tips that will make the renovation process smoother, more organized, and much less stressful!

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You might think that only major renovations require building permits – you know, a project like building an addition on the home. But that’s not true, and many homeowners might be surprised to learn that permits from the city are required for smaller jobs, too. This includes finishing basements!

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Retaining walls are often the unsung heroes of landscaping; they are built around so many homes, schools, and commercial areas that they often escape the notice of many people. It’s possible that you could use one on your property, too, and this realization might not hit you until it’s absolutely necessary – which could mean it’s too late!

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Painting isn’t as simple as taking a brush and applying a new colour to the walls. If you want the coat of paint to go on smoothly and prevent cracking and peeling in the future, you have to properly prepare the walls.

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All homeowners will face a tough choice sooner or later: to renovate, or not to renovate? There are a lot of arguments for both sides of the debate, but when people plan ahead and do their homework, they’ll see that the smart answer will almost always be “renovate”. This is because, after it’s all said and done, home renovations can greatly improve your home in many ways, but only if the projects are chosen wisely. Here are five reasons why renovations are a good investment- financially, aesthetically, and emotionally.

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For many homeowners, renovations are the last things on their mind during winter, especially if those renovations are outdoors. But if you want to save money, you can use the cold months to plan ahead for any springtime renovations you may have set your heart on.

Take these five money-saving tips into consideration now and get those spring renovations on time and under budget!

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Choosing a floor that will last for years can be a challenge, but a little planning can make your choices a lot easier. When considering the right flooring for your home and family, think about the following: traffic, cost, decor, insulation, and comfort factor. When a flooring type ticks off all the boxes, you’ll know you’ve found the perfect one!

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For many homeowners, renovations are the last things on their mind during winter, especially if those renovations are outdoors. But if you want to save money, you can use the cold months to plan ahead for any springtime renovations you may have set your heart on.

Take these five money-saving tips into consideration now and get those spring renovations on time and under budget!

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One of the trickiest parts of installing flooring yourself is getting the floor level before installation. The subfloor, the layer (usually made of plywood) that provides you a surface over the joists, might look flat to the untrained eye. But across the width of the room, the levels can grade just a fraction of an inch, and while it might not seem too bad, it can seriously affect your finished flooring.

Without a level subfloor, your hardwood or tile flooring can buckle and crack, damaging these expensive materials. Prevent this by taking the job of levelling your floors seriously!

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