First, decide on your home decor theme. The interior design of a house reflects one’s personality, so spend some time thinking about how you want your home to embody your unique traits. You can go with a contemporary style that is based on neutral colours or opt for a mid-century modern style that uses slightly deeper colours. Do some research and get a rough sense of how much it will cost to decorate your house to fit both the theme and your wallet. Keep in mind this budget.

Second, engage contractors, discuss your plans with them and get a quotation. Don’t rush into things and go ahead with the first contractor that you meet. Source widely, compare thoroughly and pick the most reasonable quotation offered.

Third, check your eligibility (citizenship, income and age criteria apply) and take out a renovation loan to finance your renovation works. These works include but are not limited to flooring and tiling, electrical, wiring and painting works, bathroom fittings and structural alterations. When choosing your renovation loan package, take into consideration the amount of loan that can be taken out, the loan tenure, the monthly loan repayment amount as well as any additional fees that may be involved. For some, it may be preferential to return to the same bank that manages their home loan package for they may offer attractive renovation loan rates. For others, they prefer having different packages with different banks. The choice is yours.

Let us assist you in deciding on a renovation loan package, submit your application, prepare the necessary documents and let the work begin on your dream home.