Getting your financial ducks in a row before you kick off a home makeover is essential. Here’s what you need to know about refinancing to renovate.

Ask anyone who has renovated and chances are they will give you a laundry list of what not to do, ranging from thinking you can live there during the demolition period to ignoring the need for a solid quote and builder’s contract.

Top of that list should be ‘Sort out your finances before picking up the sledgehammer’, so we’ve pulled together our top tips on how to refinance your home to renovate.It’s smart advice because there’s a special kind of stress (okay, terror) involved when you realise your house is an unliveable building site and you’re going to need to rustle up another $10k/20k/30k you hadn’t budgeted for in order to finish it. Read more