We always hear in the news about the latest ranking of the world's most liveable cities and, wouldn't you know it, Australia doesn't fare too badly on the world stage.

Yet even knowing that the city you live in is hotly tipped as one of the world's best doesn't mean too much to us on a personal level.

A much better ranking would be the world's most liveable homes!

How liveable would you say your home is? Criteria could include comfort, facilities, lighting, exterior spaces, the proximity of the barbeque to the back door – all the things that improve your life!

The great thing about houses, of course, is that if you want to improve their liveability, it is much easier to do so than it is for entire cities.

Renovation

If you feel it is high time your home climbed the liveability ranks, renovating can help you to do so.

Have a think about what you could do to make your home more comfortable and more suited to your preferences.

After all, one of the perks of buying a home is that you then get to make alterations as you please – within the bounds of the law!

Make a plan

So what will it be? A new kitchen perhaps or maybe an extension on the end of the living room. How about a new deck in the backyard and a rejig of the entire garden?

Whatever your plan, don't just dream it – find out how much it will cost and whether you can afford it.

At this stage, it can be helpful to talk to a home loan expert about whether refinancing may be a good option to fund your renovations.

Home loan refinancing can help you cover costs when carrying out renovation projects, as well as being a way to find a more competitive loan deal or one more suited to your current circumstances.

You can contact a Smartline Mortgage Adviser on 13 14 97 for home loan advice. Or complete our call request form and we’ll call you!

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DISCLAIMER: The information contained in this article is correct at the time of publishing and is subject to change. It is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, Smartline recommends that you consider whether it is appropriate for your circumstances. Smartline recommends that you seek independent legal, financial, and taxation advice before acting on any information in this article.