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As Christmas approaches we start to take a long look at the inside of our house. For some of us it is because
the family is coming and we don't want any more comments about our well-worn "country-mill" patterned sofa this year. For others, the weather is cooling down, gardening is over and we are looking to comfy up our cocoon.
It is at these times that we start thinking of tackling the indoor projects we put off all summer - paint the living room, new window treatments, a new dining set with chairs that actually match, perhaps new cabinets in the kitchen.
For small projects like a fresh coat of paint, we can usually look to our own ready funds.
As our ideas expand, we may want to finance.
Plan your project and plan your financing before you start to shop. If you know what you need, you are less likely to be tempted by the pricey accessories that add up so fast. If you know the funds needed, you won't be tempted by those instant approval store credit cards.
Secured Line of Credit: The equity in your home can be leveraged to provide you with a low interest line of credit. Another advantage byond the preferred interest rate (preferred by you not the lender) is that you access the funds only as needed so that you won't be paying interest on the credit you have not needed to draw on yet. Restricting that line of credit to match your plans with just a small buffer will help you resist using it for Christmas shopping too. When we see we have access to funds, sometimes subconsciously we fee free to spend more lavishly.
Mortgage refinancing: When funding major renovations, refinancing your mortgage lets you spread repayment over a long period at mortgage interest rates, which are usually much lower than credit card or personal loan rates. This type of financing can allow you to borrow up to 80% of your home's appraised value (less any outstanding mortgage balance).
Call me or Tim to find out how quickly we can set up access to this Good Debt product for you.
Another thought to consider is sitting down with a financial advisor like Tim to help you examine your options. How much can you really afford? How long will you be living in your current home and will your changes increase the home value? What other products may be a consideration?
As always our advice is free, the results will help you live the life of your dreams.
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