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Latest Articles
5 Reasons To Choose Artificial Grass For Your Garden
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You cannot blame yourself when you are currently shopping for a new aircon that you would be able to use for your home. You would want to use an...
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The Best Flowers for Great Curb Appeal
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As a homeowner, you might have noticed some changes in your roof. And you need to figure out whether it means a roof repair or you have to change...
on Apr 5, 2021
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Popular Articles
When to Use a Brush, Roller or Sponge Brush
Brushes are a good choice for painting trim and woodwork. They are also useful for cutting in the edges around the top and bottom edges and corners...
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Three Places to Spend Money on the Exterior of Your Home
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Homemade Headboards-Make an Upholstered or Wooden Headboard
Homemade headboards can add a lot of personality to any bedroom. They can be coordinated with existing furniture and room decor or they can be the...
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Creating a Cottage Kitchen with Bead Board
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Gas Fireplace Diagnostics and Troubleshooting
Follow these steps for diagnosing and troubleshooting Gas Fireplaces repairs. For the average DIYer, this may seem intimidating, depending on the...
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How to Start Funding Your Home Repairs
by Martyn Weber on Jul 24, 2019
If you have ever done repairs on your home, you will agree with me that not every home improvement project is cheap. Sometimes, certain repairs are so extensive that they go beyond a simple DIY project and require professional help. When this happens, you can be sure that you will end up spending more than you planned. So how can you raise money for an extensive home repair that would cost you a lot?
Tap into your emergency fund
Financial experts advice that everyone have an emergency fund set aside for the rainy day. For some people, an extensive home repair may warrant as an emergency. If you have some mad money set aside for emergencies, you may want to consider using all or some of it for your home repairs. This will save you the inconvenience and potential disappointment of meeting the banks for loans; however, once you have tapped into your emergency funds, you will no longer have emergency money to fall back on, and this can be risky.
Take out a mortgage or remortgage
Depending on your age and financial expectations, you may be able to take out a mortgage and use the funds for your home improvement. Taking out a mortgage is cheaper than most bank loans you get to spread out the repayment over a number of years. However, before getting into the mortgage market, make sure that you have the future means to meet your mortgage commitments. And if you resort to going for a mortgage, the sooner you can pay it off, the less interest you will be charged.
Get a loan
Getting a loan is another quick way to raise funds for your home improvement project. Unfortunately, these days, banks are a bit reluctant giving out loans for that purpose. Additionally, the process can be rather demanding and tedious, but once you can scale through, you will have the money you need to repair your home. A better alternative is to consider a bridging loan. A is especially useful if you as expecting some money in the future but need ready cash now. With this type of loan system, you can fund your home repairs and payback when the money you are expecting arrives.
Equity release
If you have value tied up in your home, you may want to consider raising money with that value in form of equity release. With this type of loan system, you don’t pay anything until the property is sold, then you have to pay up the loan and interest altogether from the proceeds of the sales. Equity release has its disadvantages, one of which is that it can reduce future inheritance of your heirs or affect their eligibility for benefits.
Bottom line, there are dozens of ways you can go about raising money for your home repairs. So take your time, analyze the different options and go for the deal that best suits you.
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