Construction/Renovation Loans

Are your renovations extensive or minor?

If the renovations are extensive, such as adding a new level to your property, you may need to obtain a Construction Loan.

If the renovations are minor, such as adding a pool, pergola, kitchen or bathroom, you may need an additional loan on your existing loan or take out a personal loan.

The loan options and structures will be based on:

  • Your current position
  • The equity you have in your current home
  • The end value of your home after the renovations are complete.

Costs associated with your renovation

Apart from the actual construction itself, additional costs that may apply include:

  • Architect Services such as plans, if the renovation is extensive
  • A Fixed Price Contract from your Builder
  • Council Approval
  • Construction Loan Costs
  • Property Valuations

Your Sage Loan Services Consultant will be able to discuss which loan options are suited for you.

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