You might be in the mood to declutter any unnecessary stuff in your home and while you’re at it, you might want to take a second look at your current home loan.

At the end of this video, answer these questions:

 Am I paying an unreasonably high interest rate?
 Am I paying outrageous fees?
 Am I frustrated by inadequate service?
 Does my loan give me the features I need?
 Am I paying for features I don’t use?
 Have my financial circumstances changed?

For a complementary assessment, call Kirsten on 0408 081 082.

(If you want a written version of this, check this article we published.)

The post How To Spring Clean your Home Loan (VIDEO) appeared first on Soul Finance Group.

5 smart renovation tips you need to know

Upgrading your home proves to be one of the most profitable decisions you can make because it adds value to it. This is possible by making it more aesthetically appealing, upgrading fixtures, adding a new coat of paint, replacing any old or worn flooring, and making other design changes.

Renovation is also a long term investment because all the decisions – from planning to design execution, will have important consequences along the way. Quick tip: try not to change your mind too much. Even though this can’t be avoided, you have to know that every time you change your mind, it could result into a minor or major change which calls for added costs.

Listed below are 5 smart tips to nail that home renovation:

1. Plan ahead.

Before taking the first step to renovating your home, set your goals first. Determine what you wish to achieve at the end of the project. Do you need more light? More space? Better interior? You can create a timeline which you can review every other day and which will help you stay on track. Know what home renovations you want ahead of time.  Otherwise, you might find yourself being steered toward spending a lot more money than you ever intended.

2. Know your budget.

Without a budget, renovation won’t be possible. Hence, it is important to make a list of all the things you need and research on their market prices to save time and money. It’s also a smart idea to have a buffer in your budget and it could be at least 10% of the total budget. Setting a budget will keep you from overspending.

3. Find the help of the experts.

Although you can plan the renovation on your own, it’s always a wise idea to seek the help of a professional. It saves you money in the long run and you know where you stand. Builders, contractors, and/or interior designers have access to suppliers and they can help you to get a better deal. Moreover, since this is their area of expertise, you are assured that you get the value of your money. Got problem in finance? We can help you secure finance for your dream renovation. Consult a Soul Finance Group broker now.

4. Think of the design thoroughly.

Don’t work without a design. Revision after execution hurts your budget. Since you have employed a professional with you, his/her keen understanding of your project will aid you in achieving this wisely.

5. Manage the renovation.

One of the best ways to achieve your renovation project is to communicative effectively. Relay your insights to your contractors, builders, and designers. Prepare your timeline to stay on track. As much as possible, stay hands on so you’ll be able to monitor the progress of the project.

Disclaimer: Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

 Corporate Credit Representative (486927) is authorised under Australian Credit Licence 389328.

The post 5 Smart Renovation Tips You Need to Know appeared first on Soul Finance Group.