Sydney homeowners are renovating at record rates. Whether it’s a kitchen overhaul in Mosman, a bathroom refresh in Balmain, or a full rear extension in the Inner West, the appetite to improve rather than uproot is strong. But funding a significant renovation requires careful financial planning — and choosing the wrong structure can cost you thousands in unnecessary interest or fees.
Here’s a clear breakdown of your options, how each works, and what to consider before the first nail goes in.