How much does it cost to renovate a home in 2026?

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If you’ve had your home loan for a while and have been making regular home loan repayments, you may have built up enough equity in your home to borrow against. You could do this either via refinancing (more on that later), or a line of credit.

A line of credit is a home loan feature that gives you the ability to borrow back money you’ve paid off your home loan. It’s a bit like a credit card, but your borrowing limit is tied to how much of your home loan you’ve paid off. Keep in mind that reducing your equity will mean owning less of your property than you did before, and an increase in your home loan repayments.

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