Podcasts about diy renovation

Interest rates are super low right now, which is great news for people who have a home loan or are looking to apply for a home loan.Question is should you fix your interest rate, or should you go with a variable interest rate?How to contact Jo and Carl from Violeta Financeinfo@violetafinance.com.au03 9775 0532www.violetafinance.com.auFollow Claudia and The Renovate AvenueFacebookInstagramWebsiteFollow the Dream Home MovementFacebookInstagramWebFollow Carl and Jo VioletaFacebookInstagramWeb

Should you keep your home and renovate it or knock it down and start again? That is the question that we're exploring in today's episode.I'm talking to Kate Merryweather about knockdown rebuild. She's sharing her real life experience.Now, if that topic sounds familiar to you, that's because I've spoken about knockdown rebuilds before, in last the season of the podcast. I previously spoke with Helen Al Hariri about her decision-making process around whether they knocked down and rebuild their family home or renovate it. And she decided to go down the renovation route rather than rebuilding.So I thought it would be really good this season to look at another perspective and speak to someone who ended up deciding to do a knockdown rebuild. So we're going to chat to Kate around why she decided to do the knockdown rebuild. What was involved in her decision-making process and any tips that she might have for you.How to contact Jo and Carl from Violeta Financeinfo@violetafinance.com.au03 9775 0532www.violetafinance.com.auHow to find guests and presentersFollow Kate Merryweather of Dot Com WordsFacebookInstagramWebsiteFollow the Dream Home MovementFacebookInstagramWebFollow Carl and Jo VioletaFacebookInstagramWebGuest bioKate Merryweather of Dot Com WordsKate is a curious, professional (yet talkative) website copywriter with twenty years of experience in copywriting and corporate communications.Kate loves writing SEO copy for coaches, creatives and online business owners. Writing blogs and websites that humans love to read and Google loves to rank.

So you want to buy a house? Maybe it's your first home. Maybe it's your second. Maybe you're upgrading.One of the most common things that people wonder about when they're looking to buy a house, is how much deposit they'll need. Is it 20%? Is it 5%? Is it no deposit?In this episode, we’re going to answer that question. Carl Violeta joins me today and we go through exactly how much deposit you need or what the banks want for a home loan and what to do If you don't have very much deposit. Plus, what can you do instead?How to contact Jo and Carl from Violeta Financeinfo@violetafinance.com.au03 9775 0532www.violetafinance.com.auFollow Claudia and The Renovate AvenueFacebookInstagramWebsiteFollow the Dream Home MovementFacebookInstagramWebFollow Carl and Jo VioletaFacebookInstagramWeb

This episode is going to be so much fun. We are talking about styling kids' bedrooms on a budget.So, parents, this one is for you. I'm going to chat with friend of the show, Claudia Brdar from The Renovate Avenue about how we can make our kids' bedrooms really, really special and beautiful and bring in some personality without breaking the bank.Claudia’s best tips include:Upcycling – let’s see what you can give a cosmetic lift toIncorporating colour with paint, decals or stencilsUsing chalkboard paintWall stickersAnd moreThere are so many ways to make their bedrooms really fun and inviting. Take a listen and let us know what you think and how you have improved your kids' bedrooms in the past.How to contact Jo and Carl from Violeta Financeinfo@violetafinance.com.au03 9775 0532www.violetafinance.com.auFollow Claudia and The Renovate AvenueFacebookInstagramWebsiteFollow the Dream Home MovementFacebookInstagramWebFollow Carl and Jo VioletaFacebookInstagramWebGuest bioClaudia and her husband Pete have renovated small properties right through to large scale projects. Several years ago they bought a run-down 1960's weatherboard house (purchased for $460K) and ended up completing a major renovation ($75K), creating a beautiful sought after home ... on a tight budget! They set the suburb record for a property price of $1.035 million (2017)!They're currently renovating a 1960's brick house to sell.Both Pete and Claudia have a real hands-on DIY approach when it comes to renovating, focusing on achieving that ‘WOW’ factor ... thinking bigger, outside-the-box, and never afraid to take a risk.Claudia created The Renovate Avenue to share her knowledge, and inspire others to climb the property market via the renovation avenue, building a financially stable future to retire earlier (and do what you love).

The Dream Home Movement is back for 2021. This season we're talking about a range of property and home improvement related topics including:Styling kids' bedroomsHome loan depositsMistakes new landlords makeSourcing furnitureProperty investingGranny flatsPlus heaps more

The federal government recently announced proposed changes to responsible lending obligations. If you’ve consumed any media coverage on this topic, then chances are you’ve heard that it’s a bad thing. And well, I wouldn’t blame you for thinking that removing responsible lending obligations is a bad thing, I mean we all want banks to lend money responsibly don’t we?Do these proposed changes mean that the banks are going to be throwing money at people willy nilly?Are the most vulnerable people in out community going to put at financial risk?In this episode, I chat with a well known finance figure here in Australia, Brett Mansfield the CEO of Buyers Choice. We’re going to give you the real deal, the unsensationalised information on:What responsible lending meansThe proposed changesHow the proposed changes could affect people looking to borrow money (for a home loan for example) and the flow of creditFollow Brett Mansfield and Buyers ChoiceWebsiteFacebookLinkedInFollow the Dream Home MovementFacebookInstagramFollow Carl and Jo VioletaFacebookInstagramWeb

With COVID-19 restrictions and tightened lender criteria, some people are reporting that it may be more tricky to secure a home loan. But is that true, or is it just our perception?In this episode we look at :Whether COVID-19 restrictions have made it harder to secure a home loanWhether banks are being stricter when they assess home loan applicationsHow long it's taking banks to assess and process loan applicationsWhat types of home loans and mortgages are harder to get approvedHow to make it easier for the bank to assess and process your home loan applicationFollow the Dream Home MovementFacebookInstagramWebFollow Carl and Jo VioletaFacebookInstagramWebGuest bioCarl’s an award-winning Mortgage Broker and the Founder of Violeta Finance.Carl believes that every family should have a fair opportunity to achieve their homeownership and finance dreams. He can help you buy your next home or save money by refinancing. Carl specialises in helping first time investors buy their first investment property and securing finance for small business owners.When he’s not helping people find the right loan for their circumstances, Carl loves hanging out with his wife and two kids, watching his beloved Chicago Bulls play, and heading out to the golf course.Transcript*This transcript is automated, so may not be 100% accurate*00:00:00 - 00:00:05In this special bonus episode of the Dream Home Movement, we look at00:00:05 - 00:00:11whether or not it's harder to get a home loan now. With COVID-19 restrictions00:00:11 - 00:00:18and tightened lending criteria, some people are reporting that it may be more00:00:18 - 00:00:23tricky to get a home loan. But is that true, or is it just our perception?00:00:23 - 00:00:28To answer that question. I've invited a special guest and experienced Mortgage00:00:28 - 00:00:33Broker Carl Violeta, he also happens to be my husband onto the show.00:00:33 - 00:00:38Welcome to the Dream Home Movement. This is your weekly dose of home00:00:38 - 00:00:43and property inspiration, bringing you clever tips and advice from the very00:00:43 - 00:00:49best experts. And real life like Renno stories with your host, Jo Violeta.00:00:49 - 00:00:54Thank you for tuning in to this special bonus episode of the Dream Home00:00:54 - 00:00:58Movement. Now if we haven't met before. Hello, My name's Jo Violeta, and I00:00:58 - 00:01:04co-own a successful award winning mortgage brokerage with my husband carl.00:01:04 - 00:01:09It is Violeta Finance, and this episode is brought to you by Violeta00:01:09 - 00:01:14Finance. If you need help securing a home loan, refinancing your Mortgage or00:01:14 - 00:01:21organising a loan for your investment property. We would love to help00:01:21 - 00:01:27you. Now just to let you know who we are still in the midst of the COVID-1900:01:27 - 00:01:32restrictions here in Melbourne and that means that we are working from00:01:32 - 00:01:37home in very close quarters. So if you hear any background noises on this00:01:37 - 00:01:43episode, maybe kids doing crafts or playing or some typing or something like00:01:43 - 00:01:49that, it is because we are all working from home and also because of the COVID-1900:01:49 - 00:01:53restrictions. I don't have access to the usual recording equipment that I00:01:53 - 00:01:58would use for the podcast. I can't go to the radio station. I can't get into the00:01:58 - 00:02:05office to access my hi-tech equipment. So Carl and I huddled over a desk and a00:02:05 - 00:02:11microphone at home together, trying to record this episode for you.00:02:11 - 00:02:15Welcome to the show, Carl. It's lovely to have you back on. I haven't had you00:02:15 - 00:02:20on the show for a while. It has been a little while, and thanks for having me.00:02:20 - 00:02:26So today we are answering the question. Is it harder to get a home loan right00:02:26 - 00:02:32now? So let's first of all, look at it from the perspective of COVID-19. So00:02:32 - 00:02:37we're recording this episode on September 30th. We live in Melbourne in00:02:37 - 00:02:45Australia, so we are right in the still in the midst of COVID-19 restrictions.00:02:45 - 00:02:50Have covert COVID-19 restrictions made it harder for people to secure a home loan?00:02:50 - 00:02:58If a client has been affected by COVID, yes, it has been challenging to get00:02:58 - 00:03:05loans approved for them. But for other clients that the only effect of COVID00:03:05 - 00:03:13has been of a personal nature and not a financial nature then no that hasn't00:03:13 - 00:03:18really been any stoppage of the flow of finance for those types of customers.00:03:18 - 00:03:26Customers were working in the retail setting in sort of hospitality in the airline00:03:26 - 00:03:31industry then. Yet those those types of employment and those types of00:03:31 - 00:03:36customers would find it a bit challenging to try and secure finance. What about00:03:36 - 00:03:42the way lenders are assessing applications, especially expenses? What I've00:03:42 - 00:03:48heard is that lenders are going through applications with a fine-tooth comb now00:03:48 - 00:03:55Have you found that to be the case? It depends on the bank that you00:03:55 - 00:04:02suggest to the clients. There are banks that will go through bank statements to00:04:02 - 00:04:11verify living expenses as well as salary credits. But not all banks do do that,00:04:11 - 00:04:16eh? So, yeah, it really just depends on which path you take the customer in00:04:16 - 00:04:22relation to bank statements being forensically investigated. And is it just00:04:22 - 00:04:25the bank statements that they're going through and scrutinising are they00:04:25 - 00:04:32scrutinising other documents, other evidence or information asking for a lot of00:04:32 - 00:04:38additional documents, proof, evidence, that sort of thing? For sure, you know00:04:38 - 00:04:46, with COVID it has definitely added a layer of requirements for all banks, I00:04:46 - 00:04:52would say, particularly when a borrower self employed, they're now wanting00:04:52 - 00:04:58to see extra documentations. They just want to make sure that you know the00:04:58 - 00:05:05borrower's income is online or inline, I should say, than what their00:05:05 - 00:05:11income tax is suggesting it to be and that they haven't really had too00:05:11 - 00:05:16much of an impact with with COVID, particularly here in Melbourne, where00:05:16 - 00:05:20we've been the hardest hit. Yes. Oh, so to answer your question, yes, there00:05:20 - 00:05:25are a lot more documentations that need to be provided, particularly for self00:05:25 - 00:05:30employed customers. Okay, so banks are still lending money. If your income00:05:30 - 00:05:36hasn't been affected by COVID-19 restrictions, you still should be able to00:05:36 - 00:05:40borrow money. It shouldn't be any harder to borrow money, but the process00:05:40 - 00:05:47might be more involved, I suppose. It's just a little bit different to what many00:05:47 - 00:05:52customers might be accustomed to when they applied for finance pre-COVID.00:05:52 - 00:05:58And yeah, just if you know, if you're in a position to borrow money and00:05:58 - 00:06:03you know that you can borrow money, then you really got nothing to fear before00:06:03 - 00:06:08you place an application and if you're going through a broker then a broker's00:06:08 - 00:06:14going to tell you whether they can get the loan approved or not anyway. So all00:06:14 - 00:06:20I would say to customers is that you know, don't don't sort of fear the process,00:06:20 - 00:06:25provided that you know, your employment has been stable, your business00:06:25 - 00:06:31hasn't been affected and that, you know, you've got sort of strong, strong00:06:31 - 00:06:39finances going into the application. Okay, good. What about timelines? So is it00:06:39 - 00:06:43taking longer to get home loans approved? Should people allow a little bit00:06:43 - 00:06:49more of a time buffer when they're looking to apply for a home loan? I have00:06:49 - 00:06:54heard that some banks assessment and processing times are a bit longer than00:06:54 - 00:06:59usual. What's been your experience with that? Yeah, many customers are00:06:59 - 00:07:06looking to refinance at the moment and, many banks are offering cashback00:07:06 - 00:07:14offers. So banks that are offering cashbacks their lead times in processing00:07:14 - 00:07:21loans is not as desirable as other banks that are not offering cashback offers at00:07:21 - 00:07:26the moment. So again you know a good broker is going to be able to be00:07:26 - 00:07:32across that with lead times. If you know if your finances pressing, then00:07:32 - 00:07:37definitely avoid certain banks because you're not going to get the loan processed00:07:37 - 00:07:43in a timely manner. But if you're after, you know, the cash as part of00:07:43 - 00:07:47the refinance, let's say then, if you're happy to wait, then you know the00:07:47 - 00:07:52processing time is what it is. If you're purchasing a property, then definitely00:07:52 - 00:07:57steer clear of those lenders that are offering cashbacks at the moment,00:07:57 - 00:08:01particularly when your finances subject to... When your purchase, I should00:08:01 - 00:08:07say, subject to finance clause, there's nothing worse where a customer has00:08:07 - 00:08:12been placed with the lender, not knowing that the lead times are not going to00:08:12 - 00:08:17be able to meet their obligations on the contract when they're buying a house.00:08:17 - 00:08:23Okay, so a few things. I wanna clarify their cap by cashback that banks00:08:23 - 00:08:27offering, like a cashback offer. If you get a home loan with them or you00:08:27 - 00:08:33refinance with them, they'll say, we'll give you, like, $2000 or something00:08:33 - 00:08:43like that. So a cashback promotion relates to customers who are new to the00:08:43 - 00:08:53bank and that are refinancing. Okay. The cashback amount does vary it00:08:53 - 00:08:58varies depending on their loan size, and it also varies on the type of00:08:58 - 00:09:06bank that you're using. Okay, All right. And also again, apologies00:09:06 - 00:09:11for the background noises. We are working from home, and we've got little.00:09:11 - 00:09:16Marcus is trying extremely hard to be quiet. He's doing a wonderful job, isn't00:09:16 - 00:09:24it? He's a good boy. Just another thing that I wanted to clarify. So when00:09:24 - 00:09:28you're talking about putting in an offer when you put in an offer for a00:09:28 - 00:09:33property, if you haven't got a pre-approval on your finance yet, you can put in a00:09:33 - 00:09:38finance, clause, can't you? Yes, you can. And so you might say it's two00:09:38 - 00:09:42weeks or three weeks. We usually recommend three weeks, but If you have00:09:42 - 00:09:46been placed in the lender who's got really long processing times, that could00:09:46 - 00:09:51jeopardise your offer. So that's yet correct. Yes, you need to be aware of that.00:09:51 - 00:09:57What are there certain types of mortgages and home loans that are harder to00:09:57 - 00:10:01get approved? And not just speaking about COVID times, but just in general.00:10:01 - 00:10:04Are there certain types of mortgages and home loans that had just more00:10:04 - 00:10:09involved? You know, more workers involved or more paperwork is involved00:10:09 - 00:10:13there, there it more complex or tricky. A home loan application becomes00:10:13 - 00:10:21harder when you're asking for for their lending policy to be flexible00:10:21 - 00:10:26we call that in the industry when you're asking for an exception, that can00:10:26 - 00:10:33complicate lending assessment. And there could be a good chance that the00:10:33 - 00:10:38assessor, whoever's picked up the file, may not grant you those00:10:38 - 00:10:44exceptions. Complicated lending can make the process a little bit more00:10:44 - 00:10:50complex when, um, a borrower's a trust for an example. There's a lot more00:10:50 - 00:10:55paperwork that's involved with that kind of loans. There's a lot of00:10:55 - 00:11:00documentations that needs to be collected from the client to give to the bank.00:11:00 - 00:11:09Particularly it can complicate the assessment when the details of the00:11:09 - 00:11:13borrowing entity, in this case, being a trust like this example that I'm00:11:13 - 00:11:17using, you know, it's a lot of having to go back to the accountant getting that00:11:17 - 00:11:21issue fixed up. Then coming back to the client to get the documents signed00:11:21 - 00:11:27and giving it to the lender. So you know, it's just added layers. To simplify and00:11:27 - 00:11:32summarise loans can get difficult when you're asking for an exception from a00:11:32 - 00:11:38lender. What is an exception from a lender? So, for example, let's say that a00:11:38 - 00:11:42self employed customer is wanting to borrow money, and they've only been00:11:42 - 00:11:48self-employed for 12 months. But the lending criteria for the bank is that00:11:48 - 00:11:52you know the business needs to be established for two years. You know, that's00:11:52 - 00:11:58that's an exception, you know because it's outside policy. Another example00:11:58 - 00:12:05would bay if our customer's needing to use like overtime. And the00:12:05 - 00:12:11know, broker's place, the client with the lender that has a stringent policy00:12:11 - 00:12:14around. They're not accepting overtime at the moment because of COVID-1900:12:14 - 00:12:19for an example. You know that's asking for trouble. You know, you don't00:12:19 - 00:12:23want to muck around with those types of requests, best to just find00:12:23 - 00:12:27a lender. That's going to be able to work with the incomes that's being00:12:27 - 00:12:33presented rather than trying to jam jamming the deal with the lender00:12:33 - 00:12:37that it might be offering the best price. Or, you know, Quiet wants to deal00:12:37 - 00:12:42with would deal with that particular lender. I like that. Avoid trying to jam the00:12:42 - 00:12:48deal we make that it will have been turned into a tweet. Don't jam the deal.00:12:48 - 00:12:52Last questions. I know you've got to get back to work, and we've probably00:12:52 - 00:12:57only got another good two minutes out of Marcus being about to sit quietly00:12:57 - 00:13:03and watch his record a podcast. How can we make it easier for banks to assess00:13:03 - 00:13:08and process our loans? What can we do to make the assessor's jobs easier?00:13:08 - 00:13:14Provide the requested documentations as requested by the lender, particularly00:13:14 - 00:13:21with home loan refinancing. I find that customers can sometimes not00:13:21 - 00:13:26provide the correct documentation where they're taking a screenshot of their00:13:26 - 00:13:29home loan statement, but it doesn't have their names on it. You know, stuff00:13:29 - 00:13:35like that on. Many customers don't have access to computers or do everything00:13:35 - 00:13:39by phone and stuff like that. So well, especially now we've COVID-19 I mean,00:13:39 - 00:13:43how are we supposed to get out and get access00:13:43 - 00:13:50to a computer and a printer and a scanner and that sort of stuff. So provide00:13:50 - 00:13:56the right documentation to the broker. The broker should be very well versed00:13:56 - 00:14:03in what's required from from the lender. Make sure that whatever the00:14:03 - 00:14:07brokers asking, you you kind of give the right information back that way.00:14:07 - 00:14:10You know, you're not having to go back and forth back and forth all the time.00:14:10 - 00:14:20Sometimes it's unavoidable. But that would be one of my tips for trying to get a00:14:20 - 00:14:25loan application sort of done right the first time. That's a great tip. And I00:14:25 - 00:14:31would add to that, Do make sure that you use and you work with an00:14:31 - 00:14:36experienced mortgage broker because they know the lender policy inside and00:14:36 - 00:14:41out. And they will know how to package and present your home loan00:14:41 - 00:14:47application in the best possible way for that lender. And finally, don't jam the00:14:47 - 00:14:51deal. Thanks so much for coming onto the show that was really00:14:51 - 00:14:58informative. Thank you. Thanks for having me. And if you like this and if00:14:58 - 00:15:05you like this, give my mummy a five star review. I hope you do. Thanks00:15:05 - 00:15:09for joining us on the Dream Home movement. Be sure to come over and say hi00:15:09 - 00:15:14on Facebook and Instagram. I hope that your dream home projects are going00:15:14 - 00:15:17well, and I look forward to chatting with you again next week.

Should you renovate your home or knock it down and start again? This is a common dilemma faced by many home owners. I chatted with owner-builder, experienced renovator and mum of seven Helen Al Hariri about her knock down rebuild decision making process.In this episode we discuss:Why Helen originally considered the knock down rebuild optionThe factors that influenced her decisionHelen's three best tips for anyone thinking of embarking on a major home renovation projectFollow Helen and Haluna Happy NamesWebsiteInstagramHelen would like to give the Dream Home Movement's listeners a 15% discount code for her growing ‘World’s Best Tradie’ series of personalised thank you mugs currently available in her Etsy store. The code is DREAMHOME15 and it is valid until December 15th 2020. Here's the link to that collection:https://www.etsy.com/shop/halunahappynames?section_id=30178535Follow the Dream Home MovementFacebookInstagramFollow Carl and Jo VioletaFacebookInstagramWebGuest bioHelen is a mother of seven children aged between 16 and 4. She is in the middle of her third owner builder project, all on one home in southern Sydney. Her renovation adventures started ten years ago, when she and her husband had ‘only’ four munchkins to manage.After learning a ton the first time round, the owner builder decision became an easy choice when the family was bursting at the seams again in 2018. Her building projects combine an emphasis on practicality - meeting her family’s specific lifestyle needs - with a wish for cost saving and a desire to take ownership of the whole process, including any mistakes along the way.Helen is the owner of Haluna Happy Names, which turns everyday items into cherished gifts through colourful and fun personalised designs that include an option for names and slogans written in Arabic.

Home Loans 101: Have you heard of Lenders Mortgage Insurance?In this episode we look at:What Lenders Mortgage Insurance isThe pros and cons of Lenders Mortgage InsuranceHow to avoid itIf you can't avoid it, how to reduce itFollow the Dream Home MovementFacebookInstagramFollow Carl and Jo VioletaFacebookInstagramWebGuest bioJo Violeta is the host of the Dream Home Movement podcast and runs the awards winning mortgage brokerage Violeta Finance with her husband Carl. Think of Jo as your property finance translator. She explains complex finance concepts in a way that's easy to understand and accessible, so you can be feel confident and empowered.

In this episode, friend of the show Cluadia Brdar explains how to choose a design style for your home or investment propertyClaudia takes us through:The main types of home design styles, including contemporary, traditional and HamptonsThe features of the different design styles such as colour palettes and texturesHow to decide which style to use in your homeThis episode is part of a very special DIY renovation series.⠀Claudia from @therenovateavenue and Founder of the DIY Renovation Academy will join us once a month on the show to take you through EVERYTHING you need to know to DIY your reno.⠀⠀This is like a little sneak peek into her super popular DIY Renovation Academy course.⠀⠀This series is exclusively for Dream Home Movement listeners.Follow the Claudia and The Renovate AvenueFacebookInstagramWebsiteFollow the Dream Home MovementFacebookInstagramWebFollow Carl and Jo VioletaFacebookInstagramWebGuest bioClaudia and her husband Pete have renovated small properties right through to large scale projects. Several years ago they bought a run-down 1960's weatherboard house (purchased for $460K) and ended up completing a major renovation ($75K), creating a beautiful sought after home ... on a tight budget! They set the suburb record for a property price of $1.035 million (2017)!They're currently renovating a 1960's brick house to sell.Both Pete and Claudia have a real hands-on DIY approach when it comes to renovating, focusing on achieving that ‘WOW’ factor ... thinking bigger, outside-the-box, and never afraid to take a risk.Claudia created The Renovate Avenue to share her knowledge, and inspire others to climb the property market via the renovation avenue, building a financially stable future to retire earlier (and do what you love).Transcript*This transcript is automated, so may not be 100% accurate*00:00:00 - 00:00:05you want to know what I think is really exciting, it's that there are so many00:00:05 - 00:00:10different design stars that you can choose from for your house or your property00:00:10 - 00:00:15. You want to know what I think is really overwhelming and confusing that00:00:15 - 00:00:19there are so many different designs, tiles that you can choose from for your00:00:19 - 00:00:25house and property. So to help me out and I can't be alone with this problem,00:00:25 - 00:00:30I'm sure to help me out. I invited Claudia Baradar from the Renovate Avenue00:00:30 - 00:00:38on the show to talk to us about how to choose a design style for your house or00:00:38 - 00:00:43property. Eso. When I keep saying or property, it could be your investment00:00:43 - 00:00:48property that you're going to have tenanted or your house that you are going to00:00:48 - 00:00:53live in. So in this episode, Claudie will take us through the different types of00:00:53 - 00:01:01design styles, how to choose a design style based on your personal style, thie00:01:01 - 00:01:10actual property, the environment that the pop property is located in, and also00:01:10 - 00:01:16what you're actually going to use the property. For now, if Claudia's name00:01:16 - 00:01:22sounds familiar, then I'm guessing you're a regular listener to the show Claudia00:01:22 - 00:01:29came on last season and did a bit of a miniseries for us on how to plan a00:01:29 - 00:01:34renovation project. And to now we're kind of taking it to the next step. And00:01:34 - 00:01:40she is joining us again this season, Season five, to do another little miniseries00:01:40 - 00:01:46on How to style your property. So this week we're looking at in this episode, I00:01:46 - 00:01:50should say we're looking at choosing your design style when she comes back00:01:50 - 00:01:55again in about a month's time. We're going tio, explore how to make your00:01:55 - 00:02:00home Starling work when you've chosen your design style. And then she's00:02:00 - 00:02:06going to come back for the final episode off her little exclusive miniseries for00:02:06 - 00:02:12the Dream Home Movement and talk about how to create a style board or some00:02:12 - 00:02:18people call it a mood board. So I'm so high up. Tio, have Claudia coming00:02:18 - 00:02:23back on the show again for another exclusive miniseries. We are so lucky.00:02:23 - 00:02:29And before we get stuck into my interview with Claudia, I would like to00:02:29 - 00:02:34introduce myself in case we haven't already met. My name's Joe via letter E.00:02:34 - 00:02:39I'm the host of this show, and I also own a business called Violet of finance.00:02:39 - 00:02:46With my husband, Carl, we help people secure home loans, property00:02:46 - 00:02:52investment loans, refinance their mortgages to save money on their payments00:02:52 - 00:02:59and or to finance their home renovations So you can find us at Violet of finance00:02:59 - 00:03:07. It's just got one T v i o L. A finance on the Internet. We've got a website on00:03:07 - 00:03:13instagram and also on Facebook. So thank you so much for tuning in. Lovely00:03:13 - 00:03:17to meet you if I haven't done so already. And now over to my chat with00:03:17 - 00:03:22Claudia, Welcome to the Dream Home movement. This's your weekly dose of00:03:22 - 00:03:28home and property inspiration bring you clever tips and advice from the very00:03:28 - 00:03:40best experts and really like Renno storeys with your host Joe Violeta. Claudia,00:03:40 - 00:03:43thank you so much for joining me on the dream home movement today. It's00:03:43 - 00:03:48lovely to chat with you again. Love being here. I love having a chat with you.00:03:48 - 00:03:54Now what we're talking about today is how to choose your design style. And00:03:54 - 00:03:58this is something that I'm particularly interested in because we're buying a new00:03:58 - 00:04:07home soon. So we're going to take that opportunity, Teo, just reet restyle like00:04:07 - 00:04:11from the beginning, the entire place. We've had all our furniture for ages. So00:04:11 - 00:04:17we're looking at starting again, and I'm just so overwhelmed and confused00:04:17 - 00:04:24about what style to choose. There seems to be so many choices out there. So00:04:24 - 00:04:29what are some of the different design styles we can choose from? Let's start at00:04:29 - 00:04:32that point, and then we'll figure out how we actually choose. What is there to00:04:32 - 00:04:39choose from? Okay, look, there's a fair, few different styles, Joe. It can be00:04:39 - 00:04:44overwhelming. I know there's so many different designs out there. Look, let's00:04:44 - 00:04:50start with contemporary style because I think it's the most popular one, and it's00:04:50 - 00:04:55usually what's in style right now. So it's the current trends at the moment,00:04:55 - 00:05:01contemporary style. So if you're not sure what contemporary style looks like,00:05:01 - 00:05:05then you can try going to the mainstream retail stores such as freedom and00:05:05 - 00:05:11Design, and you'll soon get an idea of what the current trends are and where00:05:11 - 00:05:15they're at. That's usually your contemporary style, just to make it easier just to00:05:15 - 00:05:23give you a tip. Then you've got your traditional style, which is usually feature00:05:23 - 00:05:28pieces made from dark woods. Their ornate Lee, detailed as well and00:05:28 - 00:05:34traditional design draws its inspiration from 18th and 19th century England and00:05:34 - 00:05:40France. So this explains why it's common to find EXP offensive textiles like00:05:40 - 00:05:47silk, velvet and linen used in upholstery to curtains as well. And the fabrics00:05:47 - 00:05:52feature a variety of different patterns, such as florals, stripes and plaids as00:05:52 - 00:06:00well. So that's just sort of traditional style And what it looks like a traditional00:06:00 - 00:06:05eso contemporary that, Yeah, that would change often then, wouldn't it? So00:06:05 - 00:06:10what? Okay, so what's contemporary style now would be different to what00:06:10 - 00:06:14was contemporary style a couple of years. That's right. That's right. Yeah,00:06:14 - 00:06:18people get contemporary and modern sort of mixed up. The contemporary is00:06:18 - 00:06:24quite what's in trend now what styles Aaron fashion in trend now. So, like I00:06:24 - 00:06:28said, Teo, if you go into shops like freedom, it will give you an idea of what00:06:28 - 00:06:34in style at the moment. Okay, got it and then traditional. So I like watching00:06:34 - 00:06:37Do you watch the crown? I like watching that show the crown about the royal00:06:37 - 00:06:44family. It's quite good. So when you just described traditional that I'm Justin00:06:44 - 00:06:50visit, envisioning scenes from the crown. It would. I guess it's that kind of00:06:50 - 00:06:59royal traditional style, European style, almost that's your more traditional00:06:59 - 00:07:05style. Then we've got something about the Hampton style, which is quite00:07:05 - 00:07:10seaside coastal inspired, so you'll see a lot of the houses around the coast00:07:10 - 00:07:15Hamptons style inspired, and they've got your plantation shutters, your00:07:15 - 00:07:22nautical style decor, timber floor boards to the moulding, a long hallways and00:07:22 - 00:07:28staircases. Then it's also blue and white striped patterns for pillows, just to00:07:28 - 00:07:35give you a visual idea as well. White plush sofas. The painter Whitewood s.00:07:35 - 00:07:40O. Yet the intention is to create a relaxed, style, comfortable environment that00:07:40 - 00:07:46is inspired by the beach in the ocean. So that's your Hamptons style that's very00:07:46 - 00:07:55popular here on the Peninsula Hampton style. I've noticed E. S E. Touched on00:07:55 - 00:07:59. Modern Modern is a broad designed term, I think, and like I said to you00:07:59 - 00:08:05before modern and contemporary style often get mixed up. Modern refers to a00:08:05 - 00:08:11home with clean, crisp, sharp lines. It's a simple colour palette. Thie use of00:08:11 - 00:08:18materials is usually metal, glass and steel, and modern design also employs a00:08:18 - 00:08:26sense of simplicity and in every element including the furniture. So its sleek00:08:26 - 00:08:35there's not much clutter, sharp lines, and that's more of a modern style. Yeah,00:08:35 - 00:08:41that does so. The modern is very different. Teo temporary. I thought they00:08:41 - 00:08:45were the same thing, but they're very different. Got a lot of people. A lot of00:08:45 - 00:08:51people think modern contemporary are the same style, but there is a difference00:08:51 - 00:08:56there. That's probably a good way off describing contemporary and what I'm00:08:56 - 00:09:01just a difference in them. Eso There's also mid century modern. This's another00:09:01 - 00:09:07type of modern style just to confuse everyone. So mid Century Modern is a00:09:07 - 00:09:12streamline retro look that was popular in the 19 fifties and sixties, and it's a00:09:12 - 00:09:18classic decorating style that has really never gone out of fashion. It focuses on00:09:18 - 00:09:22functionality, too, so it's more the retro style really big in the fifties and sixties00:09:22 - 00:09:30. I quite like that, and again that the mid century modern is quite popular here00:09:30 - 00:09:34around the morning to peninsula as well, because you've got those houses from00:09:34 - 00:09:42that error and people are trying Teo freshen them up, but still keep the essence00:09:42 - 00:09:47of the original high. Yes, yes, exactly. And it's I think it's a great idea doing00:09:47 - 00:09:50that as well. So it, like you say, keeping the essence of the home and the style00:09:50 - 00:09:56that it was built in. I think if you've got an old with aboard house by the sea, I00:09:56 - 00:10:01think putting something in that theon visit of what that style leaves and what if00:10:01 - 00:10:05the body is going against it is probably not a great idea. So it's really00:10:05 - 00:10:10embracing when it was built in embracing that, So that's that's what that's my00:10:10 - 00:10:16opinion. But then we've got industrial style, so that's an urban look with an00:10:16 - 00:10:23edge. Industrial is characterised by raw textures, exposed materials such as00:10:23 - 00:10:28bricks and metal fixtures and finishes. I think of a really cool warehouse in00:10:28 - 00:10:35New York, my ideal place to live with stripped timber for awards, concrete00:10:35 - 00:10:41flaws, exposed beings, metal pipes and really low lighting. I quite like that00:10:41 - 00:10:47style, but it's not for everyone as well. So that's your industrial style. I love00:10:47 - 00:10:54that style it is, and I do picture it being like a loft in New York, with some00:10:54 - 00:10:59really gorgeous artwork from an up and coming artists on the walls and that00:10:59 - 00:11:05sort of stuff very very. I don't know if I'm quite cool enough for that. I would00:11:05 - 00:11:10like to pay e Love that style as well. What else? Have weak up? Another style00:11:10 - 00:11:17. Eclectic, So it collected his quite quirky fun. It's very mismatched. There's00:11:17 - 00:11:21no matching zour formatted patterns. It's just pretty much anything goes. But00:11:21 - 00:11:27it's done in a really fun on quirky style, so mixture of pieces as well could be00:11:27 - 00:11:33new and old pieces to S O. That's why eclectic is quite fun and that embodies00:11:33 - 00:11:38the person that lives there. I think is, well, that Yeah, I see. I see Cem00:11:38 - 00:11:43eclectic rooms on instagram. But I get would that be a hard look to pull off?00:11:43 - 00:11:47Do you think If you're not quite sure what you're doing and get it wrong, you00:11:47 - 00:11:51could definitely get it wrong. So it's really having an eye for colour and pattern00:11:51 - 00:11:56yet and having a bit of fun with it. A cz well, but it can. It can look quite zany00:11:56 - 00:12:03. Maybe if if there's too much going just like embrace the zaniness Gracia in a00:12:03 - 00:12:11freak s o. And there's also Bohemian, which is quite popular. A swell and00:12:11 - 00:12:14bohemian Khun mix up with contemporary because we're behaving. It is quite00:12:14 - 00:12:19on trend at the moment, and it embodies a sort of free form flowing. Ah, lot00:12:19 - 00:12:23of plants. You know, a lot of the chroma at the moment, which is very00:12:23 - 00:12:30popular and a lot of wicker A cz Well, so Bahamian is quite quite on trended00:12:30 - 00:12:35moment as well. It is. It's all about the weaker right now. Yes, love a bit of00:12:35 - 00:12:39makeup. So this is I mean, look that some of our styles that we've got00:12:39 - 00:12:45happening at the moment there's there's Mohr a CZ Well, that that's probably00:12:45 - 00:12:52the main ones that I've covered very briefly. Okay, good. So once we're00:12:52 - 00:12:58aware of what all the different design styles are, how do we decide which style00:12:58 - 00:13:04Teo use in our home? Yeah, OK. Eso Joe, this really depends on what00:13:04 - 00:13:11outcome you want for your home or property first. So So start at the end and00:13:11 - 00:13:15look, think about why you're keen and getting your style right. Are you00:13:15 - 00:13:20looking to sell your home or you wanting to stay There s o really have a think00:13:20 - 00:13:24about what the outcome is for you. What? The right outcome is, and that way00:13:24 - 00:13:27we'll give you a good road. Teo travel and know which way you're heading.00:13:27 - 00:13:32So are you planning on staying in your home for the next 20 years? Or are you00:13:32 - 00:13:36wanting to get the best price for your potential buyers? So knowing exactly00:13:36 - 00:13:42what it is that you want to achieve and then implementing the right style based00:13:42 - 00:13:48on that, it will differ for each of the outcomes. Joe. So if you are planning to00:13:48 - 00:13:53sell than design your home for your best potential buyers, make your property00:13:53 - 00:14:00is beautiful as possible. Choose a contemporary design, so a current style on00:14:00 - 00:14:04DH. Incorporate current styles, making the space look and feel desirable and00:14:04 - 00:14:08inviting a cz well for your potential buyers. If you have a home by the coast in00:14:08 - 00:14:13the peninsula, then consider a Hamptons or coastal resort style. That's the best00:14:13 - 00:14:18way to go. Maybe stay away from industrial industrial or eclectic style. And00:14:18 - 00:14:25don't put your Gothic doll collection on this way, wanting to sell at the best00:14:25 - 00:14:31possible price, then really keep your style. Have a think about the potential00:14:31 - 00:14:35buyers that are coming looking at your property and really design and style for00:14:35 - 00:14:42them, Not not for you. So if you desire, if it decided to stay in your home and00:14:42 - 00:14:48and you want to really make it authentic, then I truly believe that home should00:14:48 - 00:14:53be a reflection of who we are. And if you're not sure where to start, and I've00:14:53 - 00:14:59got some tips right for any of you that want to get started. So answer yourself,00:14:59 - 00:15:05Joe. So first things first to really get a picture of what your style is and what00:15:05 - 00:15:10will really work for you and your family looking your closet and noticed the00:15:10 - 00:15:15styles that you wear. Notice what you love what pieces draw you in and00:15:15 - 00:15:20inspire and have a good look and see what colour is. The patterns are your00:15:20 - 00:15:25favourite. Firstly, just have a really good think about what draws your eye,00:15:25 - 00:15:31Teo. Certain pieces in your closet. That's number one thing I can suggest. E I00:15:31 - 00:15:39never would have thought to do that in your closet. Also just backtracking a00:15:39 - 00:15:46little bit. Thanks for the tip on putting my gossip doll collection away. I will00:15:46 - 00:15:54put that into storage if ever I sell s o you looking a closet. Have a look at what00:15:54 - 00:15:58pieces You absolutely love these air address that you love the Excuse me, the00:15:58 - 00:16:02patterns The Colo Urs, what really draws you in? Even if you go out shopping00:16:02 - 00:16:06, what has always drawn you in what pieces? What colours again? Like I said00:16:06 - 00:16:12, what is it that you love? Next thing is look at your favourite most love.00:16:12 - 00:16:15Peace is in your house and bring them all together and notice what you love00:16:15 - 00:16:20about these objects again. The lines the Colo Urs, What does it provide to you00:16:20 - 00:16:27? What emotion does it a vote so really Get to know what you love. That's how00:16:27 - 00:16:34you start next. I would suggest if you're not already on instagram or interest,00:16:34 - 00:16:40create an account and start searching and saving images off various interior00:16:40 - 00:16:44styles and spaces that you absolutely love that resonate with you that evoke00:16:44 - 00:16:51really good emotion. Start saving those images, screenshot ing them, and and00:16:51 - 00:16:55that you'll start noticing. A common theme is well within the images that you00:16:55 - 00:17:02saved. You will start taking notice of all the torus and the tones and the styles00:17:02 - 00:17:08and these sort of images. Will there'll be a on almost flow and a common00:17:08 - 00:17:13theme that will that will come to you. So it will really indicate what sort of00:17:13 - 00:17:23style you like. Right? So that's a really good three tips to start with, just to get00:17:23 - 00:17:29an idea off. What you like what you love, right? Okay, So think off the00:17:29 - 00:17:36purpose for the styling. Is it to sell toe livin and benefits to sell its a little bit of00:17:36 - 00:17:41a different approach? We're going Mohr, like modern or contemporary. Sorry00:17:41 - 00:17:45. No, no modern modernism, modern or contemporary. We're going00:17:45 - 00:17:52contemporary, continue current current. But if it's for us to live in, then we00:17:52 - 00:17:57really wanted to reflect us. And so you're almost going on like a little jenny of00:17:57 - 00:18:04self discovery. You like, you want to find the authentic you you want to make00:18:04 - 00:18:08your space something that you will love. And when you walk into you, it will00:18:08 - 00:18:13evoke positive emotion. Yes, for sure. So you want to create something that00:18:13 - 00:18:17you will enjoy and that you will find inviting for you and the people that leave00:18:17 - 00:18:23your family. Okay. Now we touched a bit on the difference between styling00:18:23 - 00:18:29for yourself and styling for sale. Is there any difference between the way we00:18:29 - 00:18:34should style our property if we're wanting to get tenants into it apart? A00:18:34 - 00:18:40supposed to selling it? Is that different, or is it pretty much the same? Yeah,00:18:40 - 00:18:45pretty much the same for your tenants. I mean, it's your investment property.00:18:45 - 00:18:50You want to get top dollar for it as well. You also want to create an00:18:50 - 00:18:53environment for attendance of they're gonna love because they'll look after00:18:53 - 00:18:59your look after the home as well. So I would invest some money into that so00:18:59 - 00:19:04you can also get the most out of it. And again, it's getting the most out of your00:19:04 - 00:19:08rental income as your investment property and also for your tenants. So I00:19:08 - 00:19:15would also create a beautiful environment for tenants to. So obviously, you're00:19:15 - 00:19:22not putting us much money. A cz you are a mature investment property. But00:19:22 - 00:19:25again, just be smart about how much you're putting into your investment00:19:25 - 00:19:31compared to your forever home and does very yeah, okay, but still do put a bit00:19:31 - 00:19:40of love into it to try to attack, not attack, attract thanked the right tenants00:19:40 - 00:19:45exactly exactly what air some practical tips. We've already covered a few of00:19:45 - 00:19:50them, but let's just give everyone a really practical action plan. So tips that00:19:50 - 00:19:58listeners can do straightaway to really get their style choice sorted. Sure, All00:19:58 - 00:20:04right. So number one Why are you wanting to design and style your property?00:20:04 - 00:20:08What's the outcome you want to achieve? That's your number one with a start.00:20:08 - 00:20:13Number two. How do you ascertain what style to incorporate, So once you00:20:13 - 00:20:18know your outcome, then work out what style it is you're going to create, the00:20:18 - 00:20:20one that will work best and in line with your outcome. So the one that will00:20:20 - 00:20:26bring the most value to you Number three is start researching. So start00:20:26 - 00:20:30researching now. That's where you can start. Well, if you're selling than00:20:30 - 00:20:34research properties in the area and take notes on what other properties have00:20:34 - 00:20:38created and what they're sold for, So go to the properties. If they're on sale in00:20:38 - 00:20:43the area and have a look, they would see what others have done and also see00:20:43 - 00:20:49what properties have reached in sale time as well. So if you're staying put like00:20:49 - 00:20:53I said, if you want to stay in your forever home. Then work out your best. I'll00:20:53 - 00:20:57know your authentic self and know what you'll love tourists around yourself00:20:57 - 00:21:00with the most what will work for you. What? We will make you the most00:21:00 - 00:21:06happiest. Yes, those those three to start with now. Perfect. I love it. Well, I00:21:06 - 00:21:10personally am going to start to pull everything out my wardrobe and have a00:21:10 - 00:21:15look. And I got I got a pretty good idea of what I like a ce faras clothing goes00:21:15 - 00:21:24very plain and lots of blue and white stripes go Hampton style. I think so. I00:21:24 - 00:21:32think so. The great the great flag. Well, e I just need to move to grace I e00:21:32 - 00:21:39quite well, e that's what it is. A Hampton style. Joe, if you're saying blues00:21:39 - 00:21:46and whites possibly maybe a coastal thing a resort style, that sounds good to00:21:46 - 00:21:50me. Well, thank you so much, Claudia. That was so informative for everyone00:21:50 - 00:21:57listening. I would love to see, I'd love to hear from you and hear what your00:21:57 - 00:22:00style is. So I'd love to hear the outcomes from you pulling everything out of00:22:00 - 00:22:04your wardrobe. Looking at the stuff in your around your house And how you00:22:04 - 00:22:10decide what your style is. Let me know. Message me on Facebook or00:22:10 - 00:22:15instagram a dream home movement and let me know what your personal00:22:15 - 00:22:21design style is And let Claudia No. A cz. Well, Claudia, how can people find00:22:21 - 00:22:26you follow you contact you or that sort of stuff? Yeah. Instagram Facebook.00:22:26 - 00:22:31I'm on there. The renovate Avenue s O. Please get in touch. Say hello. And if00:22:31 - 00:22:35you want to dive deeper into choosing your design style, I highly recommend00:22:35 - 00:22:39that you cheque out Claudia's course as well. Claudia, can you tell us a little00:22:39 - 00:22:44bit about your course? Yes, The D I Y renovation academy. It's an online00:22:44 - 00:22:49course, and also you get a one on one assistance with myself. And there's also00:22:49 - 00:22:53a Facebook group, eh? So we get to support each other through our renovation00:22:53 - 00:22:58journey, so you'll find all that information on my website. And also social00:22:58 - 00:23:02media, Facebook and Instagram. Brilliant. Thank you so much, Claudia, I'm00:23:02 - 00:23:08looking forward to chatting of you again in about four weeks time. Make sure00:23:08 - 00:23:14you tune in for that episode. We are going to talk about how to make your00:23:14 - 00:23:19home styling work. So once you've chosen your design style that your mission00:23:19 - 00:23:23for the next month, you then need to figure out Well, how do I actually make00:23:23 - 00:23:27this work? And that's what we will be covering next time I chat with Claudia00:23:27 - 00:23:33in about four weeks time. Until then, Do tune in again next week and make00:23:33 - 00:23:37sure that you subscribe to the podcast. So you never miss an episode. Thank00:23:37 - 00:23:46you so much for tuning in by listeners by Claudia. Thank you. Thanks for00:23:46 - 00:23:50joining us on the Dream home movement. Be sure to come over and say hi on00:23:50 - 00:23:55Facebook and Instagram. I hope that your dream home projects are going well00:23:55 - 00:23:58and I look forward to chatting with you again next week.

Love and home renos, do they mix well?Anyone who's undergone a home renovation would agree, I'm sure, that while the end result is usually amazing, the process can be stressful.Renos can put a HUGE strain on your relationships.Joy Ball from Solace Counselling Services shares her wisdom on how you can renovate your home without jeopardising your relationship.In this episode we discuss:● Why relationships come under strain during home renovations● What couples and families can do to maintain healthy relationships during home renovations**This episode of the Dream Home Movement was recorded live at the RPPFM**Follow Solace Counselling ServicesWebsiteFacebookInstagramDownload the list of must ask questions to help keep your relationship healthy during a renoFollow the Dream Home MovementFacebookInstagramFollow Carl and Jo VioletaFacebookInstagramWebGuest bioSince 2009 Joy has been committed in offering a solution focused approach to Relationship counselling. She has supported many couples and individuals over the years providing professional support, guidance and customised strategies which are all designed to support her clients in building happier and more sustainable relationships.Joy is also married to a builder and has experienced over the past 30 years, the highs and lows of building and renovating many homes.

Heard of Buyers Advocates but not sure what they do? Buyers Advocate, Sam Spernat from Rodney Samuels Consulting explains what a Buyers Advocate does and how they can help you make the best possible decisions when you purchase a property.Follow Sam Spernat and Rodney Samuels ConsultingFacebookInstagramWebsiteFollow the Dream Home MovementFacebookInstagramFollow Carl and Jo VioletaFacebookInstagramWebGuest bioSam Spernat is an experienced property adviser who is also a qualified accountant with over a decade in the property and finance industries, he’s skilled at sourcing and selecting investment-grade assets that will grow his clients’ wealth.He specialises in sourcing properties that match his clients’ investment goals and negotiating the best possible purchase and sale price.The goal of Sam's company Rodney Samuels Consulting is to help his clients find and buy good quality investment properties and homes.Rodney Samuels Consulting also offers a Vendors Advocacy service that takes the guess work out of selling by helping his clients choose the right agent for their property, and also makes sure the agents are advertising the property and not themselves.

The $25k HomeBuilder grant is part of the government's COVID-19 stimulus package. It will provide eligible owner-occupiers (including first home buyers) with a grant of $25,000 to build a new home or substantially renovate their existing home. Quick clarification: During the podcast I got my words muddled and said 'sustainably' renovate rather than 'substantially' renovate, the correct word in this context is definitely 'substantially'.In this episode we go through:What the HomeBuilder Grant isWho it's for and who it's not forHow and where to apply for itWhere to find details on the grant for your state or territoryWhether the grant be used with other grants, schemes and initiativesWhether the grant can be used towards your depositGo to the episode web page for details of where to apply for the HomeBuilder Grant.Follow the Dream Home MovementFacebookInstagramFollow Carl and Jo VioletaFacebookInstagramWebGuest bioJo Violeta is the host of the Dream Home Movement podcast and runs the awards winning mortgage brokerage Violeta Finance with her husband Carl. Think of Jo as your property finance translator. She explains complex finance concepts in a way that's easy to understand and accessible, so you can be feel confident and empowered.Here's a list of the relevant state and territory bodies and their preferred contact details:Australian Capital TerritoryACT Revenue Officehttps://www.revenue.act.gov.au/New South WalesNew South Wales Revenue OfficeHome.Builder@revenue.nsw.gov.au1300 130 624.Northern TerritoryNorthern Territory’s Revenue Officehttps://treasury.nt.gov.au/dtf/territory-revenue-officeQueenslandQueensland Office of State Revenue (OSR)https://www.treasury.qld.gov.au/budget-and-financial-management/revenue-and-taxation/HomeBuilderGrant@treasury.qld.gov.au1300 300 734.South AustraliaSouth Australian Revenue Officehttps://www.revenuesa.sa.gov.au/TasmaniaState Revenue Office of Tasmaniahttps://www.sro.tas.gov.au/VictoriaState Revenue Office Victoriahttps://www.sro.vic.gov.au/Western AustraliaWestern Australia Revenue Officehttps://www.wa.gov.au/organisation/department-of-financeTranscriptPlease note: This is an automated transcript, so it won't be perfect.00:00:00 - 00:00:05have you heard of the $25,000 homebuilder Grant? Well, if you have, you've00:00:05 - 00:00:09probably got questions about it. And if you've got questions about it promising00:00:09 - 00:00:16, you, you are not alone. Carl and I have received so many questions about the00:00:16 - 00:00:20homebuilder Grant recently. So I thought, Hey, let's do an episode about it.00:00:20 - 00:00:28I'm going to explain what it is, who it's for, who It's not for how to apply for it00:00:28 - 00:00:32and also answer some of the commonly asked questions about the grant. Now,00:00:32 - 00:00:39if we haven't met before Hello, I'm Joe Via letter. I own a an award winning00:00:39 - 00:00:43mortgage brokerage with my husband, Carl. We help families and small00:00:43 - 00:00:49businesses achieved their finance and property dreams by helping them secure00:00:49 - 00:00:53a fair deal on their home loans. Their property investment loans, their00:00:53 - 00:00:58commercial property finance and also save money on their mortgage00:00:58 - 00:01:03repayments through refinancing and access funds for their home renovations.00:01:03 - 00:01:09You confined us all over the Internet at Violet of finance. It's just got one t in it00:01:09 - 00:01:13, and we love to hang out on Facebook and Instagram. So please do come00:01:13 - 00:01:20along and say hi to us. They're all right Let's get stuck into the $25,00000:01:20 - 00:01:25homebuilder Grant. Welcome to the Dream Home Movement. This's your00:01:25 - 00:01:31weekly dose of home and property inspiration. Bring you clever tips and00:01:31 - 00:01:37advice from the very best experts and really like Renno storeys with your host.00:01:37 - 00:01:46Joe Violeta Thie $25,000 Homebuilder Grant is a $688 million scheme that's00:01:46 - 00:01:52part of the Australian government's covert 19 stimulus package. Now I know00:01:52 - 00:01:56that I have lots of listeners all over Australia, but I also have plenty off00:01:56 - 00:02:01international listeners for the dream home movement as well. And so I'm sorry00:02:01 - 00:02:08to my international listeners, but this is a new Australian government grant.00:02:08 - 00:02:12But you're very welcome to continue listening to the episode. And also we've00:02:12 - 00:02:20got plenty off really valuable, really fun episodes coming up that applied Tio.00:02:20 - 00:02:26You will apply to you no matter where you live, so I hope you will tune in to00:02:26 - 00:02:31those. Okay, So back to the home builder Grant. What is it? Well, it's00:02:31 - 00:02:41designed to provide a $25,000 grant to build a new home or sustainably00:02:41 - 00:02:47renovate your existing home. There are no caps on the number of grants00:02:47 - 00:02:54available. So in Australia, we've got the first home loan deposit scheme, for00:02:54 - 00:02:59example, which is the first home buyers. And there's a cap on that, which is00:02:59 - 00:03:05there's only 10,000 places available per financial year. There's no cap on the00:03:05 - 00:03:12number of grants For the homebuilder grant, however, there is a time limit,00:03:12 - 00:03:20and there's some flexibility built into the time limit as faras the timeliness00:03:20 - 00:03:26between contracts being signed that has just been built into the scheme recently00:03:26 - 00:03:31since it was first introduced. S O. If you're going to look at applying for the00:03:31 - 00:03:36scheme, you'll need Teo. Contact your relevant state authority and I'll go00:03:36 - 00:03:39through who you're relevant. State authorities are state or territory. Authorities00:03:39 - 00:03:46are later on in the episode, but basically without getting into the final finer00:03:46 - 00:03:51detail, the time limit is that the contract for the build or renovation must be00:03:51 - 00:03:59signed between the Fourth of June 2020 and the 31st of December 2020. So00:03:59 - 00:04:04this if you're listening to this episode in real time, it's being published on00:04:04 - 00:04:11Thursday morning, August 27th, 2020. So you've still got time, Tio, get00:04:11 - 00:04:18organiz DH and This is the bit where there's been a few little tweaks. So00:04:18 - 00:04:22originally they were saying that construction must commence within three00:04:22 - 00:04:27months off the contract date. I think there might be a bit of discretion in there,00:04:27 - 00:04:33a bit of flexibility. So again, you need to cheque with your relevant state or00:04:33 - 00:04:37territory authority. And I'll tell you what those are later on in the episode of00:04:37 - 00:04:45Also Got All those details in this show notes as well. So who is eligible for the00:04:45 - 00:04:52$25,000 homebuilder Grant? Well, first of all, it's for owner occupiers. So00:04:52 - 00:04:57you need Teo, the property that you're renovating or you're building you need00:04:57 - 00:05:04It needs to be for you to live in. Yeah, okay. On DH there. It's also available00:05:04 - 00:05:09to first home buyers, which is great, but also, you don't have to be a first00:05:09 - 00:05:15Homebuyer to access the grant s o. A lot of thie grants and schemes that are00:05:15 - 00:05:21available around property in Australia are really targeted to first home buyers.00:05:21 - 00:05:25But this has opened up Teo. Everyone, regardless of whether your first home00:05:25 - 00:05:31by our or you currently own a property, we have owned a property in the past.00:05:31 - 00:05:37Okay, so you also need to be now this is going to sound a little bit funny. You00:05:37 - 00:05:44need to be a natural person, so that doesn't mean you only I don't know. Eat00:05:44 - 00:05:52organic food and don't colour your hair. What it means is that you can't be a00:05:52 - 00:06:01company or a trust, so the you need to apply as a person and you need to be 1800:06:01 - 00:06:08years or years old or older and an Australian citizen. Now there's also a limit00:06:08 - 00:06:14on how much you can end. So if you're an individual, not in a couple, then00:06:14 - 00:06:24you need to have earned $125,000 or less per annum per year or $200,000 or00:06:24 - 00:06:32less for a couple combined. And the income will be based on your 2018 201900:06:32 - 00:06:40tax return or later. So if you done your 2019 2020 tax return, then it will be00:06:40 - 00:06:47based on that. So who is the grant? Not for Well, I mentioned before that it's00:06:47 - 00:06:54for owner occupiers, so it's not for owner builders, and I know that's really sad00:06:54 - 00:06:58news for a lot of our listeners. because a lot of our listeners are owner builders00:06:58 - 00:07:04or interested in becoming becoming becoming owner builders. And it's not for00:07:04 - 00:07:12investment properties only either. It's for owner occupiers. Now, if you are00:07:12 - 00:07:16wanting Teo, access the grant for a new build. So you wanting to build a00:07:16 - 00:07:24property, build a house, then the property value, including land, needs to be00:07:24 - 00:07:32under $750,000. What can exceed $750,000 which some people may feel like00:07:32 - 00:07:37you know, is not that much, especially considering it's including land. But in00:07:37 - 00:07:41you know, I live in Melbourne and in many of the out of suburbs you can get00:07:41 - 00:07:47house and land packages for $750,000 or under. Now, if you want to access it00:07:47 - 00:07:52for a renovation, the renovation contract needs to be between00:07:52 - 00:08:01$150,000.750,000 dollars, and the value of your existing property must not00:08:01 - 00:08:09exceed $1.5 million. And also, I'm going to read this okay, and then I'll00:08:09 - 00:08:13explain what it means. This is from the original documentation official00:08:13 - 00:08:19documentation from Treasury about the homebuilder grant, and that is that the00:08:19 - 00:08:25renovation works must be to improve the accessibility, safety and livability off00:08:25 - 00:08:30the dwellings. You'd need toe unpack of your builder. Exactly whether or not00:08:30 - 00:08:34that applies to the renovation works that you're thinking off. But some00:08:34 - 00:08:41examples off what it can't before are things like swimming pools, tennis courts00:08:41 - 00:08:50, outdoors bars, saunas and sheds or garages that are not connected to the00:08:50 - 00:08:55property. All right, so you think that you might perhaps be eligible for the00:08:55 - 00:09:00homebuilder grant, and you've got a new build or a renovation plan?00:09:00 - 00:09:06Awesome. So now how do you apply for it? And how do you get some Mohr00:09:06 - 00:09:14deeper detail? Well, you need Teo go through your relevant state or territory00:09:14 - 00:09:18body will probably thinking, Well, what's that? What does that even mean?00:09:18 - 00:09:24We'll go through the list off places that you need to go to get information and in00:09:24 - 00:09:31the show notes. I'll have the details so it might be email address or phone00:09:31 - 00:09:36number or website, whatever that your particular state or territory wants to00:09:36 - 00:09:42provide, like how they want youto contact them. So we've got the revenue00:09:42 - 00:09:46office. That's for the Australian Capital Territory. New South Wales Revenue00:09:46 - 00:09:50Office, Northern Territories Revenue Office, Queensland Office Off State00:09:50 - 00:09:56Revenue, South Australian Review New offer. State Revenue Office off00:09:56 - 00:10:01Tasmania State Revenue Office Victoria and finally, Western Australia00:10:01 - 00:10:07Revenue Office. Those are the places that you need to go to Teo, get more00:10:07 - 00:10:18detail and also to apply. Already, let's get stuck into some off those commonly00:10:18 - 00:10:23asked questions. So one of the most commonly asked questions comes from00:10:23 - 00:10:30first home buyers, and it is. Will this be paid in addition to the first00:10:30 - 00:10:35homeowners grant and the first home loan deposit scheme? If, of course, you00:10:35 - 00:10:42are eligible for those and yes, it will be okay, so that's good news. Now, if00:10:42 - 00:10:46you're not sure what the first homeowners grant ears and what the first00:10:46 - 00:10:52homeland deposit scheme is, you can head over Teo website, violeta finance00:10:52 - 00:10:56dot com dot ua. And we've got blogged posts with the details of those on there00:10:56 - 00:11:02, and I'll pop links to those blawg articles in the show notes as well. And then00:11:02 - 00:11:09the other question that is quite common. And, gosh, I just I was sort of00:11:09 - 00:11:13tossing up. We're not even to raise this because I don't really have an answer00:11:13 - 00:11:18for it. but I'm going to do it. Okay, So the other question that's quite common00:11:18 - 00:11:26is, can you use the $25,000 homebuilder grant towards your deposit? And the00:11:26 - 00:11:37answer is, we're still waiting for lenders to finalise their They're lending policy00:11:37 - 00:11:45around homebuilder Grant, so there's no kind of big blanket Answer yes or no00:11:45 - 00:11:54answer. It really depends on the individual lenders and bank banks lending00:11:54 - 00:12:02policy. So what you want to do, in that case is speak to your mortgage broker00:12:02 - 00:12:09and just create your deposit strategy with them based on your individual00:12:09 - 00:12:14circumstances. WHO which bank you're going toe. Apply floor based on your00:12:14 - 00:12:19needs and your goals and your you know whether or not you're meet their00:12:19 - 00:12:26servicing criteria. So I can't give you a definitive answer on the podcast. And00:12:26 - 00:12:30I'm sorry about that. I would love to be able to, but yet it's a discussion to00:12:30 - 00:12:36have with your mortgage broker. And, hey, if you don't already have a00:12:36 - 00:12:40mortgage broker, I happen to know a really good one. He's backing this Carlin00:12:40 - 00:12:46. You're very welcome to contact him. So yes, call my husband my partner in00:12:46 - 00:12:52violent of finance and eye contact details in this show notes as well. So that is00:12:52 - 00:12:58thie $25,000 homebuilder Grant. I hope that was helpful. Thank you so much00:12:58 - 00:13:04for tuning in next week. Next Thursday, we have Sam's been at back on the00:13:04 - 00:13:08show. He was on the show a few months ago, and he is going to talk to us00:13:08 - 00:13:14about what a buyer's advocate does and why you should consider working with00:13:14 - 00:13:18the buyers Advocate for your next property purchase. And we've got plenty00:13:18 - 00:13:23more exciting shows coming up for Siri's for So I'm looking forward to those,00:13:23 - 00:13:28and I'm looking forward to chatting with you again soon. Thanks for joining us00:13:28 - 00:13:32on the Dream Home movement. Be sure to come over and say hi on Facebook00:13:32 - 00:13:37and Instagram. I hope that your dream home projects are going well, and I00:13:37 - 00:13:39look forward to chatting with you again next week.

Tread more lightly and create a beautiful sustainable spaces by using repurposed materials. Annie and Shane from Salvage Merchants show you how to repurpose materials for your next renovation or home improvement project.In this episode we discuss:What sort of materials you can use for renovation and home improvementTips you can use for your DIY repurposing projectsBiggest mistakes people use when they use repurposed materialsCreating bespoke pieces using items with sentimental value and salvaged materials**This episode of the Dream Home Movement was recorded live at the RPPFM**Follow the Salvage MerchantsWebsiteFacebookInstagramFollow the Dream Home MovementFacebookInstagramFollow Carl and Jo VioletaFacebookInstagramWebGuest bioHusband and wife team, Shane and Annie Brereton quit their jobs in 2017 and went searching for adventure. They dreamed up Salvage Merchants on a trip down the East Coast of Australia. A desire to tread more gently led them to repurposing. With too many combined skills to mention, this dynamic duo create unique, authentic living spaces using salvaged materials. They value doing more with less, driving change through example, connection without competition and open hearted engagement with their clients and they don’t mind getting their hands dirty to create something truly beautiful for their clients!Transcript00:00:00 - 00:00:05Welcome to the Dream Home movement. This's your weekly dose of home00:00:05 - 00:00:11and property inspiration. Bring you clever tips and advice from the very best00:00:11 - 00:00:20experts. And really like Renno storeys with your host, Joe Violeta. Welcome00:00:20 - 00:00:23back to the Dream Home Movement. You're here with me, your host job,00:00:23 - 00:00:29Violet. And tonight we are talking about repurpose ing materials for your00:00:29 - 00:00:35renovation and for home improvements. So to help me of that topic, I have00:00:35 - 00:00:41Anne and her husband, Shane, from salvage merchants in the studio. Now00:00:41 - 00:00:45their business specialises in renovating and making over space is using00:00:45 - 00:00:50salvaged and repurpose materials. They offer a solution beginning from design00:00:50 - 00:00:54right through to implementation and everything in between. They're00:00:54 - 00:00:59completely hands on from beginning to end, and they don't mind getting their00:00:59 - 00:01:06hands dirty to truly crypt create beautiful, sustainable spaces for their client.00:01:06 - 00:01:12Welcome to the studio. It's lovely to have you here, and I think what we might00:01:12 - 00:01:16start off where before we get stuck into the nitty gritty because we're going to00:01:16 - 00:01:20look at what sort of materials you can use when you're repurpose ing for00:01:20 - 00:01:24renovation. Home improvement. We're going toe. I'm going to pick anyone00:01:24 - 00:01:33Shane's brains for tips that you can use and also look at mistakes that people00:01:33 - 00:01:37make when they're using repurposed materials. We're going to look at all that00:01:37 - 00:01:42stuff is loads of value in this episode. But before we get started, what led you00:01:42 - 00:01:47to create a business that uses repurpose ing for renovation and home00:01:47 - 00:01:53improvement? So why salvage merchants? Joe, we didn't really have a plan,00:01:53 - 00:01:58to be honest almost two years ago, we were both feeling pretty dissatisfied00:01:58 - 00:02:05with the 9 to 5 grind, and we just had a desire Teo work together. We've got00:02:05 - 00:02:10what we consider a pretty unique combined skill set, and we work really well00:02:10 - 00:02:15as a team. And so this was something we wanted to have a go it. We weren't00:02:15 - 00:02:18exactly sure what salvage merchants would look like, and it has certainly00:02:18 - 00:02:26changed in the two short years we've been going. But at the rial heart of our00:02:26 - 00:02:31business was a passion to churn a little more gently on this earth and which we00:02:31 - 00:02:37are doing in our home life. But doing it our business life as well. I absolutely00:02:37 - 00:02:42love that, and there does seem to be a riel movement at the moment towards00:02:42 - 00:02:48more sustainable living and particularly it comes to crew creating homes with00:02:48 - 00:02:53here on the peninsula. There's definitely a move towards using more00:02:53 - 00:02:58environmentally friendly materials. Ram Jeff Walls, for example. So I love00:02:58 - 00:03:04that. That's one of the inspirations behind your business. So what kind of00:03:04 - 00:03:12materials do you repurpose anything from furniture? Anything from building00:03:12 - 00:03:18materials, doors, windows. There is so much out there to be used, and I see it00:03:18 - 00:03:22every day because we look for it and it sze everywhere and everyone's00:03:22 - 00:03:30backyard or so one of the main basis off our business is to reuse repurpose. So00:03:30 - 00:03:33find something that you've already got or something that already exists instead00:03:33 - 00:03:38of going out and buying the new all the time. So we work around sourcing00:03:38 - 00:03:43materials. That would be, as I said, furniture from antique shops, vintage00:03:43 - 00:03:48shops, anything that takes your fancy, and you, Khun with the styles, he says00:03:48 - 00:03:51you can mix all that up so we look for that and we also looked for building00:03:51 - 00:03:54materials from wrecking yards, houses getting knocked down, a ll the time we00:03:54 - 00:03:59see them beautiful houses knocked down and then something a big box built00:03:59 - 00:04:03back up there and nothing reused, and it's quite sad to see it all go to waste.00:04:03 - 00:04:07So anything from anything from furniture at the end of the smallest piece,00:04:07 - 00:04:12right up to a whole house full of full of gear that we use, that's it. Basically.00:04:12 - 00:04:19Wow. So it Khun Bay furniture. It could be building materials like tiles.00:04:19 - 00:04:22Would trials are hard won. Yeah, and it's one of the hard ones to get up. But00:04:22 - 00:04:28timber flooring, skirting boards, doors, windows A ll, that sort of thing. Yes,00:04:28 - 00:04:32yes, they're pretty much anything. Get out of the house without breaking it is00:04:32 - 00:04:38reusable. Wow, that's amazing. And I greet is really sad. You do see a lot of00:04:38 - 00:04:44beautiful mid century homes, older homes, beautiful with sometimes a00:04:44 - 00:04:50beautiful art Deco features and they just ripped down on. We put four town00:04:50 - 00:04:55houses on top of where they, which is fine, like, you know, I totally get that.00:04:55 - 00:05:01We want to develop affordable housing and invest in property and all that sort00:05:01 - 00:05:06of stuff. But it is sad if that's right down and then nothing is. It's just gone00:05:06 - 00:05:13completely. Yes, so do you have any tips for people who would like to use00:05:13 - 00:05:18repurpose and up cycled materials in their homes that they want to do a bit of d00:05:18 - 00:05:24I y Yeah, look, I think for a lot of us, we all think everything's too hard, and00:05:24 - 00:05:28so there's a lot of procrastination and nothing happened. So my advice, really,00:05:28 - 00:05:32just like our business is, Just have a go. You know, there's so much to be00:05:32 - 00:05:37learned out there. We're so fortunate with the Internet, with Pinterest YouTube00:05:37 - 00:05:44all those avenues available, asked to us tto learn and to explore different uses S00:05:44 - 00:05:49O if you've got something that you love and you cherish but sitting in a carbon00:05:49 - 00:05:53, it's not being used. Just jump on Pinterest, jump on some of those online00:05:53 - 00:05:58sites and have a look for some ideas and you'll find tutorials. You find all sorts00:05:58 - 00:06:05of things. Teo learn how how to do things. But yeah, I guess my main advice00:06:05 - 00:06:10is just have a go. Just give it a crack. What have you got to lose? And00:06:10 - 00:06:21Pinterest is a great source of inspiration. It's also Rabbit Hole. You can get E00:06:21 - 00:06:26and I can actually track my life through my boards. You know, 10 years ago it00:06:26 - 00:06:34was wedding staff and then it's like baby staff. And now it's like cleaning stuff00:06:34 - 00:06:44, eyes happening to my life. Thea Pinterest is great. Ah, lot of because I get a00:06:44 - 00:06:50lot of real life. You know, people on the show is just ordinary people that have00:06:50 - 00:06:59done their own renovations and love them like YouTube. U e. But I really love00:06:59 - 00:07:05that. Just give it a go. Give it a go. You offer a service where you create00:07:05 - 00:07:09among your other services. You offer a service where you create bespoke00:07:09 - 00:07:16pieces for your clients. What does that process involve? So, Joe, usually00:07:16 - 00:07:22what happens is a client will come to us either with an idea or potentially a00:07:22 - 00:07:29problem that they need solving and to give you an example way really00:07:29 - 00:07:34encourage our customers to reuse things they've got. And we have beautiful00:07:34 - 00:07:37customer that we've done quite a few pieces for. And she had her00:07:37 - 00:07:44grandmother's vintage mix up bench mix up and she'd seen Shane had made a00:07:44 - 00:07:50similar lamp out of an old mixer in store. We used to have a little retail store,00:07:50 - 00:07:54which we no longer Joe on DH. She came one day and she said, Look, I've00:07:54 - 00:08:00got this in the cupboard and I don't use it But I love it and it has great sentiment00:08:00 - 00:08:03And I said, What? You let us turn it into a lamp on DH? She was just thrilled00:08:03 - 00:08:09. It just is incredible to see how people feel and the connexion that they have.00:08:09 - 00:08:14Teo really simple pieces. They don't have to be expensive, but they create true00:08:14 - 00:08:18meaning. And that's really what we're about. ATT. The moment chains00:08:18 - 00:08:24building a beautiful outdoor table for some clients who were doing it a big00:08:24 - 00:08:29outdoor renovation for and they haven't existing table. But they don't love it00:08:29 - 00:08:34and said, What can we use and way happen? Tohave instructs, um, old00:08:34 - 00:08:42timber palate pieces. Once of a better word, they were packing pieces of00:08:42 - 00:08:46packing timbered. These we've little pieces of hacking timber and Shane's00:08:46 - 00:08:51laminate them all together and made this incredible table on bench seats,00:08:51 - 00:08:55which they haven't seen yet. So, George, if you're listening, just stand by00:08:55 - 00:08:59because it was really exciting. Further it, it's just it's beautiful and, you know00:08:59 - 00:09:03, these are pieces of timber picked up off the side of a road actually by another00:09:03 - 00:09:07customer of ours who saw them and couldn't let them go to waste loaded them00:09:07 - 00:09:10up in is you brought them down to us and he said, Hey, guys, could you we00:09:10 - 00:09:14use them We said, Well, not now, but we will and we have. And that's00:09:14 - 00:09:20fantastic. Well, so that they would have ended up in landfill. Correct. And00:09:20 - 00:09:27now can we just go back to the mix up? Hold on What? The mix. It became a00:09:27 - 00:09:36lamb mixture like a MENSA and then e a nick so that you make cakes. We do00:09:36 - 00:09:41that, um, insight still into elect. You know, the ones that used to be, oh,00:09:41 - 00:09:45handled. It's great looking pieces, but no one knows what they're doing00:09:45 - 00:09:51because it's all electric these days. So turned into a lamp so you could have00:09:51 - 00:09:56something at home that has great sentimental value. But there's no riel00:09:56 - 00:10:03everyday use for it. You'd like to be able to see it or use it or borrow, and you00:10:03 - 00:10:07could go. We could got come to you and just say, this is what I've got what00:10:07 - 00:10:14can what do you believe that one of the favourite lance that chains made was a00:10:14 - 00:10:19old silver tea set. So the coffee part in the Sugar Bowl and Crema and hey00:10:19 - 00:10:24stepped it all up into a beautiful, beautiful lamp. And you know that that was00:10:24 - 00:10:27something that belonged to somebody that was sitting in a cupboard not being00:10:27 - 00:10:34used. And now it's enjoyed every day. I love that. That is so very clever. Are00:10:34 - 00:10:40there any other very special bespoke pieces that you've created for a client that00:10:40 - 00:10:47really stand out for year? Look, the ultimate is a complete cottage. So we00:10:47 - 00:10:53were very fortunate, really Early in our business, Tio have been contacted by00:10:53 - 00:10:59some some people that we knew through through other connexions and they00:10:59 - 00:11:02asked us for some input into little cottage. They have down here on the00:11:02 - 00:11:08Mornington Peninsula on their property and we're looking at ways Teo utilise00:11:08 - 00:11:12that space and I don't think either of us. We're quite sure what we're going to00:11:12 - 00:11:16do. And we put together some ideas and basically they turned around and said00:11:16 - 00:11:22, Yes, Tio, what we propose, which was back in that day, a Pinterest board00:11:22 - 00:11:28and with great faith and trust in us. These incredible people literally and00:11:28 - 00:11:34figuratively handed us the keys to their property and said, Do what you like00:11:34 - 00:11:40and we delivered them. And Airbnb business full off completely bespoke00:11:40 - 00:11:44pieces. So speaking about Lance being made, they've got a beautiful little old00:11:44 - 00:11:51bell in the on sweet that's made from a light Sorry, that's made from a bell.00:11:51 - 00:11:57The vanity sink in the bathroom is an old jam, copper posh on DH. Pretty00:11:57 - 00:12:02much everything in that cottage was either secondhand or actually belonged to00:12:02 - 00:12:08the clients and had been repurposed or part from mattresses and linen, which00:12:08 - 00:12:15we really don't go second hand on fair. Everything else was created by us, so00:12:15 - 00:12:21it's a complete bespoke solution for them, and we're just so incredibly proud of00:12:21 - 00:12:26it. And so, you know, thrilled that somebody would have that trust Eunice00:12:26 - 00:12:32Teo build a business for them like that. Have I seen photos of that little Jack00:12:32 - 00:12:40cottage? So if you're listening to the live show head on over Teo, either goatee00:12:40 - 00:12:46instagram and go to either the Dream Home Movement page, the latest couple00:12:46 - 00:12:54of posts the Jack Cottage or go to is it salvage merchants. Yet on Instagram,00:12:54 - 00:13:00and I'm pretty sure that was one of your most recent posts as well was the Jack00:13:00 - 00:13:05If you go on overto ira, go to both instagram accounts and have a look and you00:13:05 - 00:13:11you will see just how gorgeous this piece of I think it's like livable artwork. To00:13:11 - 00:13:15be honest with you, I was really quite stunned. You may have noticed I went a00:13:15 - 00:13:21little bit over the top with Instagram storeys that cottage this week. It's00:13:21 - 00:13:25gorgeous and people can stay. There certainly can, eh? So what, They just00:13:25 - 00:13:31look up Jack Cottage Instagram. It's Jack Underscore Cottage and got the most00:13:31 - 00:13:36beautiful garden surrounds Just down in Somerville on DH. It's a really00:13:36 - 00:13:40beautiful place to start. Hell over. There we go. You just get your clients a00:13:40 - 00:13:51little Ah, that sounds amazing. And to be given creative licence is amazing On00:13:51 - 00:13:56the topic off Airbnb Tze and bed and breakfasts and that sort of thing the00:13:56 - 00:14:02peninsula is brimming with holiday rentals. I just stayed in a gorgeous one in00:14:02 - 00:14:07German or a couple of weeks ago, but there's just so many Airbnb. He's on the00:14:07 - 00:14:13peninsula, and I was doing a bit of research for this episode, and I noticed that00:14:13 - 00:14:19you've got a service called the Elevate BNB service, which I think would be00:14:19 - 00:14:24perfect for the peninsula. All these Airbnb he's on the peninsula. So can you00:14:24 - 00:14:30tell us about that that service? What? What does it involve? Sure, So it's a00:14:30 - 00:14:35service that we provide. And Jack Cottage was really eye opening for us and00:14:35 - 00:14:41was footing the door to the short term rental market. And we just absolutely00:14:41 - 00:14:48love it and very keen to provide experiences for people and help people that00:14:48 - 00:14:54already have event. These short term rentals really elevate their experience00:14:54 - 00:14:58because there are some horror storeys out. There s o the service that we offer00:14:58 - 00:15:05provides. It's going to have a look at the property and really looking at every00:15:05 - 00:15:09aspect of the property, from online presence, social media presence,00:15:09 - 00:15:17photography and imagery of the cottage pricing structure right through00:15:17 - 00:15:25everything to do with with house manuals, all sorts of tips and tricks that we00:15:25 - 00:15:29know. We've spent a lot of time on a lot of energy and researching thiss field.00:15:29 - 00:15:35So we go and we then compare this property with other comparable listings in00:15:35 - 00:15:40the immediate area. So if it's a two bedroom sleep, small people, we would00:15:40 - 00:15:44We would present a really comprehensive report of recommendations based on00:15:44 - 00:15:48comparable process properties where where we feel your property could sit00:15:48 - 00:15:52pricing wise. And you know what? Your occupancy should be sitting out,00:15:52 - 00:15:56what sort of returns you should be getting. And from there we provide a really00:15:56 - 00:16:00detailed list of recommendations of what we could do to really get you up to00:16:00 - 00:16:05that stage. Because, as I'm sure you're an Airbnb user, I'm sure you've looked00:16:05 - 00:16:10at lots of properties online, looked at an image, and I never stayed there. Yeah00:16:10 - 00:16:17, and imagery really is the first thing, and it's an easy thing to solve. And so00:16:17 - 00:16:22we help clients right through every step of that process through the having, as00:16:22 - 00:16:27we say, having the pantry stopped ready to go. So that's what we offer. We00:16:27 - 00:16:31provide a report. We come down, we have a look. We provide a report, and00:16:31 - 00:16:35then you can choose which recommendations you like to pursue from there.00:16:35 - 00:16:42Wow, that's like a four consultancy services. Well, that's amazing. And so00:16:42 - 00:16:47needed because the competition is fierce on the peninsula. Yes, a lot of people00:16:47 - 00:16:53like to holiday here, but there are a lot of being based to compete with. But I00:16:53 - 00:17:00still think you can make great money if you've got the right product. And yet00:17:00 - 00:17:06imagery is just so important, isn't it? Absolutely. It's gotto feel like you're00:17:06 - 00:17:11having a break from reality. You know, you're providing an experienced, you00:17:11 - 00:17:15get experience. It's not. You're not just doing in somebody's home, you know00:17:15 - 00:17:19you are or rental or whatever. It's an experience. That's what people want.00:17:19 - 00:17:22And that's what they should be demanding for the money that they're spending00:17:22 - 00:17:27something out of the ordinary, something different and unique and spoke on00:17:27 - 00:17:31DH. That's what we help our clients create. And then they choose the00:17:31 - 00:17:36recommendation, and then you go and we do and then do it all case. It's00:17:36 - 00:17:41consultancy, and then it's the actual implementation that's correct, so they can00:17:41 - 00:17:45take on board a ll the ideas and tips that we give them and do it themselves if00:17:45 - 00:17:49they work. Ideally, we like to get in there and, you know, get it looking,00:17:49 - 00:17:54looking good online style, A little bit, you know, with a reasonably low00:17:54 - 00:17:59budget actually just boost the sales, boost the accommodation and that's what00:17:59 - 00:18:03it's all about. You wantto you want your business to go online and be00:18:03 - 00:18:09successful. But if you haven't got a ll these little boxes ticked. It's really hard.00:18:09 - 00:18:13A CZ, you said with with all the other ones around. It's just so hard to get into00:18:13 - 00:18:20the market. And the competition's pretty and you're styling is on point as well.00:18:20 - 00:18:26Who's in charge of the styling? E. Try really? D'oh! And I'll put something00:18:26 - 00:18:29on or move something. Sure, she'll look at it and I go, What do you think?00:18:29 - 00:18:34And she just gives me this little look and I go, It's no good. So I just leave that00:18:34 - 00:18:38to her most of the time. You know, right from when I get up in the morning00:18:38 - 00:18:42and I'll set up the pillows on the bed and all that sort of thing and ensure00:18:42 - 00:18:46passing. Just look at it and I just still haven't got It just happened. So that's a00:18:46 - 00:18:50no on the duo are put things together. I screw things together and now things00:18:50 - 00:18:54and paint things and and she does to you. We both get into the into the tools00:18:54 - 00:19:02and all that sort of thing. But stylist Shane you and I like birds of a feather00:19:02 - 00:19:07soon because I just don't know what looks good with what? That's why I think00:19:07 - 00:19:10that's why I started this show so I could make friends. Have lots of stylists like00:19:10 - 00:19:16send them photos of my housing. Is this right with you on? And he says, I00:19:16 - 00:19:20want this make this like the last year she said to me, I want a Christmas tree00:19:20 - 00:19:24made out of fence pickets like, you know, the old style. Oh, cool. And she00:19:24 - 00:19:29said, He's the pickets and Christmas Trail. Okay, sat down and come back00:19:29 - 00:19:32and see. What do you think of this? You know, you're not too bad, but00:19:32 - 00:19:36changes and change that took it away again. Come back. What do you think?00:19:36 - 00:19:40I think that's really close. But you just need this and then it'll come together.00:19:40 - 00:19:46So I'm on the tools, but she's got putting himself down a lot. He has an00:19:46 - 00:19:50incredible creative. Yeah, that is honestly the real reason why we wanted to do00:19:50 - 00:19:55something together. He's got He may not know how to fluff a pillow or use00:19:55 - 00:20:01your room. That's so he does have a really great creative eye on. So00:20:01 - 00:20:06everything we do really is a combined effort way bounce ideas off off each00:20:06 - 00:20:11other all the time, and I just I just want to add about that elevates service, You00:20:11 - 00:20:16know, what I really want to say is at the heart of that whole service is the ethos00:20:16 - 00:20:21of our business, and it is reused. And so we don't come in and go and get rid00:20:21 - 00:20:26of every piece of furniture. That's just not who, Where about where about00:20:26 - 00:20:29what else have you got? What have you got hiding in the garage that I can use00:20:29 - 00:20:34? What can I say? You know, throw a lick of paint on to completely transform00:20:34 - 00:20:40that. So it's very much of the core of everything we do is our reuse repurpose00:20:40 - 00:20:44philosophy. I love that, and I just love how complimentary you are of each00:20:44 - 00:20:54other as well. I wish everyone could see in the studio that is like smiling. But00:20:54 - 00:20:59I do really appreciate the fact that you can transform and Airbnb or a home, for00:20:59 - 00:21:04example, and use stuff that you already have. We don't realise what treasures?00:21:04 - 00:21:08We've got it. You can buy it anymore. You just can't find all this stuff. You00:21:08 - 00:21:12can go into your stores so the name but and you could get a piece of furniture.00:21:12 - 00:21:17But if you go put that piece of furniture out on the front lawn and it rains on it,00:21:17 - 00:21:22it's gone. You know where some of the old stuff is just so good. And it's00:21:22 - 00:21:26coming back in, and we are. There is a turn. There's a really big shift, I think00:21:26 - 00:21:30. And we're right at the start of it because, you know, the planets all going Tio00:21:30 - 00:21:35, you know, and we're all going to get in and work out ways of doing it. And00:21:35 - 00:21:40it'll happen. It's all goingto have tto happen where we all have to actually think00:21:40 - 00:21:44about what we're actually doing day to day. Yeah, yeah, we do. Yeah, And it00:21:44 - 00:21:50is I feel like that shift is happening. I d'oh, it's very slow yet, and we're really00:21:50 - 00:21:56at the start of it. But for a long time, I didn't make a lot of changes and we00:21:56 - 00:22:00didn't as a family make a lot of changes because we all feel so overwhelmed by00:22:00 - 00:22:04how much we should be doing. And then we just made a decision as a family,00:22:04 - 00:22:09you know, progression over perfection, progression over perfection every day00:22:09 - 00:22:15. You know, if I'm better than I was six months ago, Better than I was child00:22:15 - 00:22:20months ago. We all still got a long way to go. But we've just got to try. Yeah,00:22:20 - 00:22:26I love that message. I did have Andrea from roving refills Frankston in the00:22:26 - 00:22:31studio a few months ago. She and she has a blood caught on wasteful Andrea.00:22:31 - 00:22:37And she has that same message that we get too caught up with trying to be00:22:37 - 00:22:42perfect when it comes to sustainability and reducing waste that then people just00:22:42 - 00:22:48do that. Then they become paralysed and do nothing but small changes. They00:22:48 - 00:22:53do actually add up, and they are quite significant. Don't worry. Andrew is not00:22:53 - 00:23:05. She's not perfect. No one. Every day we're still changing. We're still00:23:05 - 00:23:08becoming aware of what we're doing, and we still may. We can change that00:23:08 - 00:23:13now and, you know, and what a lover. And she'll go out and forget to take the00:23:13 - 00:23:16shopping bags with their and she'll come home with a plastic shopping where00:23:16 - 00:23:20get again and you know, you just come on and you know, the younger00:23:20 - 00:23:25generation of you got to save themselves a cz well, but yeah, and we do. We00:23:25 - 00:23:28keep making those mistakes, and sometimes you have to. You can't bring00:23:28 - 00:23:34them 20. Apple's a bag. That's fair enough. You just gotto practise it. I think00:23:34 - 00:23:38we're all gonna practise, and we'll get there eventually. What are some of the00:23:38 - 00:23:42mistakes that people make when they are using repurposed materials in in their00:23:42 - 00:23:46home? And how can they avoid those mistakes? I think one of the biggest00:23:46 - 00:23:51ones is people think it's going to be cheaper, which is not always going to be a00:23:51 - 00:23:58it. Generally it is. But if you're going to go out and buy a sticker timber from00:23:58 - 00:24:02Bunning's, it's quick. It's easy. It's reasonably cheap, and it really is. But it's00:24:02 - 00:24:06not about saving money for us. It's more about saving the earth at the end of00:24:06 - 00:24:11the day, so don't make that mistake. You think it's going to be cheaper because00:24:11 - 00:24:14quite often you'll go out and buy a piece and have to bring it back and modify it00:24:14 - 00:24:19and change it or sand it back or painted or whatever it is S O that's that's the00:24:19 - 00:24:26first thing it's never, never, never, always cheap. So that's one of the other00:24:26 - 00:24:31thing would be If it's out of your depth, just don't do it way. Can't do00:24:31 - 00:24:34everything. We can't do everything but have a go. If it's something that is00:24:34 - 00:24:38qualified tradesman like Electrician's or plumber and all that sort of thing,00:24:38 - 00:24:42they're the things that don't like to touch. I do a little bit of election electrical00:24:42 - 00:24:48work, but it's all well within my scope of skills and always get it checked by00:24:48 - 00:24:51an electrician's anyway. So I'll get it tested and tag in the light special with my00:24:51 - 00:24:58lamps and things like that s o that sze another thing have ago. But, you know,00:24:58 - 00:25:03make sure you're not well, you know, out of your depth on I think the third00:25:03 - 00:25:08more third thing, I think, was if you really need it done, if the biggest mistake00:25:08 - 00:25:16is if you haven't called us, that's a really I think that's a thing call and we'll get00:25:16 - 00:25:21it sorted for you. You know, the D I Y things is massive. Now it's you see it00:25:21 - 00:25:25on TV. Everywhere people are getting in, getting their hands dirty and having00:25:25 - 00:25:31go and it sze really a big achievement when you do something yourself and00:25:31 - 00:25:35there's plenty of help that out there A said YouTube. Get on there, you learn00:25:35 - 00:25:39how to do anything. I taught myself how to play the piano off YouTube, you00:25:39 - 00:25:43know, all rose sorts of things. And the other day I was out there learning how00:25:43 - 00:25:47to fix my car. There's something broke on it, and I fixed it. You know, it's I00:25:47 - 00:25:53didn't have to send it off and pay top dollar to get it fixed. So there's things00:25:53 - 00:25:58like that. So I have a go at it on DH. Enjoy what you do, Teo. That's what it00:25:58 - 00:26:02comes down to us. We really enjoy fixing things, and I'm Mr fix it. I just love00:26:02 - 00:26:05getting in there and getting something sold in solving problems for people. I00:26:05 - 00:26:11love that. So the biggest mistakes. Number one, not having an understanding00:26:11 - 00:26:15of your budget. When you when you embark on these projects, it just just cost00:26:15 - 00:26:24it up. So you understand how much it's going to cost and number two is trying00:26:24 - 00:26:27to do things that are actually out of your depth, and that's a message that we00:26:27 - 00:26:32share a lot on the show is that day. I was great, but there are certain things that00:26:32 - 00:26:37you actually need a qualified trades person. And also, I think, something that00:26:37 - 00:26:43I see when I watch shame, work, a cz his apprentice. But I would quite often00:26:43 - 00:26:47say to him, are We're just, you know, we just need to pop that door on there.00:26:47 - 00:26:50Or I think sometimes people underestimate that, particularly when you're00:26:50 - 00:26:55working with salvage materials. You're starting with something that perhaps00:26:55 - 00:26:59not the correct size to go in that area. It's it's not the correct think nurse. The00:26:59 - 00:27:04hinges air in a different spot. All those sorts of things that you think way have00:27:04 - 00:27:08a bit of a joke amongst ourselves. He always says, Yeah, I'll just put it in. It's00:27:08 - 00:27:16just four screws, darling e like No, it's not, is it? And Weigh replaced a door00:27:16 - 00:27:23for a client recently in her home, and it was a full day's work because we00:27:23 - 00:27:28bought a second hand or for her, and the whole jam had to be modified and00:27:28 - 00:27:32that's fine. That's exactly what we love doing. But I think people sometimes00:27:32 - 00:27:37under Estrada, underestimate how much time and effort is involved in using00:27:37 - 00:27:40salvage materials. Which brings us to mistake number three, which is not00:27:40 - 00:27:47calling. So before we get to our signature questions, let's just tell people how00:27:47 - 00:27:51they can fix mistake number three, which is how would they get in contact00:27:51 - 00:27:56with you so you can jump on? All our socials are at salvage merchants on00:27:56 - 00:28:00Facebook and Instagram, or you can find us on our website salvage merchants00:28:00 - 00:28:03dot com dot you. We're just based in Maadi, Alex. So we're just up the road00:28:03 - 00:28:06from the peninsula and we do a lot of work down this way, and we always00:28:06 - 00:28:11enjoy hopping on Peninsula linked to come down here for the day. So, yeah,00:28:11 - 00:28:15just give us a call. We'd love to chat when love to visit people's homes. We'd00:28:15 - 00:28:19love to see how people live and listen to their ideas and their concepts, and we00:28:19 - 00:28:24just really enjoy working. Their business attracts the most incredible people,00:28:24 - 00:28:29and we're really fortunate in that way really like minded people. So, Richard00:28:29 - 00:28:33Yeah, the results are stunning. Do make sure that you pop on over and cheque00:28:33 - 00:28:39out those socials and the website. All right, signature questions. What is your00:28:39 - 00:28:44favourite? Thiss question was made for you. Thiss question was made for you00:28:44 - 00:28:48. What is your favourite interior design or architectural style from a bygone era00:28:48 - 00:28:56? Well, I'd have to say as owners are very owners are. What's a CZ?00:28:56 - 00:29:02Custodians of 150 year old church would have to say. It's a Victorian era. We00:29:02 - 00:29:07have very fortunate to have a beautiful little church out past Bella Rat that00:29:07 - 00:29:16we're currently renovating to be an Airbnb for people and just that era off. It00:29:16 - 00:29:21was a really tough time in Australia, the gold rush, and we look at our little00:29:21 - 00:29:28church that is five metres high, the roof at the lowest points, five minutes high00:29:28 - 00:29:35, and this was all built by men from ladders with hand tools. And so just I00:29:35 - 00:29:41guess for me it's the appreciation off that the love and the dedication and the00:29:41 - 00:29:46care that went into buildings of that time and they are beautiful and detailed,00:29:46 - 00:29:51and it was done by hand. And that's just incredible to may. So with all that00:29:51 - 00:29:56preserving that it is incredible, isn't it? You know, we need to preserve those00:29:56 - 00:30:01sorts of buildings and that history we cannot lose that it's so important. What00:30:01 - 00:30:08does the phrase dream home mean to you? Oh, he's looking at May E May.00:30:08 - 00:30:13Well, certainly a dream. Hofer may. It's not for walls, and it never has been.00:30:13 - 00:30:19I've lived in beautiful homes. I've lived in plane, home, small homes and my00:30:19 - 00:30:27dream home is the people within a on the people that I cherish. And the items00:30:27 - 00:30:31within that means something to me that have value. Having said that, though,00:30:31 - 00:30:34Joe I have it. I have got a bit of a Pinterest board going because we have a00:30:34 - 00:30:39mutual prince Pinterest, love and Shay and I worked very hard on our Pinterest00:30:39 - 00:30:42board for our dream home property that, you know in the future will look00:30:42 - 00:30:48something like a rambling country estate with workshops being held and00:30:48 - 00:30:52community gatherings. And that's what our plan for our dream home is. But00:30:52 - 00:30:58you know, right now we live in a factory and it's unreal, and it contains00:30:58 - 00:31:04everyone that I love. That's my dream Home contains everyone that I love. I00:31:04 - 00:31:14can't wait to see your rambling one well again. If you want to find any in00:31:14 - 00:31:20Shane, you Khun, go to salvage merchants on Instagram and Facebook or all00:31:20 - 00:31:26the W's salvage merchants dot com dot a. You got that right. Great. Thank00:31:26 - 00:31:31you so much for coming in to the studio that was so informative, super00:31:31 - 00:31:36valuable and really inspiring. Thank you, Joe. It's been a real pleasure to be00:31:36 - 00:31:42here, and we just love being able to get a message out to people. Thanks for00:31:42 - 00:31:46joining us on the Dream home movement. Be sure to come over and say hi on00:31:46 - 00:31:51Facebook and Instagram. I hope that your dream home projects are going well00:31:51 - 00:31:54and I look forward to chatting with you again next week.

Claudia from The Renovate Avenue shares practical advice on how to set a budget for your next home renovation project.We cover:Claudia's budget renovation formulaHow to ensure there's space in your budget for unexpected expensesExactly how to go about setting the budgetTools to set-up your budgetWhere and how to save money in your budget (including what you can and can't DIY)Why you need to speak to an Accountant before setting your budgetWhat to do if you start going over budgetThis episode is part of a very special DIY renovation series.⠀Claudia from @therenovateavenue and Founder of the DIY Renovation Academy will join us once a month on the show to take you through EVERYTHING you need to know to DIY your reno.⠀⠀This is like a little sneak peek into her super popular DIY Renovation Academy course.⠀⠀This series is exclusively for Dream Home Movement listeners.**This episode of the Dream Home Movement was recorded live at the RPPFM**Follow the Claudia and The Renovate AvenueFacebookInstagramWebsiteFollow the Dream Home MovementFacebookInstagramWebFollow Carl and Jo VioletaFacebookInstagramWebGuest bioClaudia and her husband Pete have renovated small properties right through to large scale projects. Several years ago they bought a run-down 1960's weatherboard house (purchased for $460K) and ended up completing a major renovation ($75K), creating a beautiful sought after home ... on a tight budget! They set the suburb record for a property price of $1.035 million (2017)!They're currently renovating a 1960's brick house to sell.Both Pete and Claudia have a real hands-on DIY approach when it comes to renovating, focusing on achieving that ‘WOW’ factor ... thinking bigger, outside-the-box, and never afraid to take a risk.Claudia created The Renovate Avenue to share her knowledge, and inspire others to climb the property market via the renovation avenue, building a financially stable future to retire earlier (and do what you love).Transcript(00:00):Welcome to the dream home movement. This is your weekly dose of home and property inspiration, bringing you clever tips and advice from the very best experts and real life reno stories with your host Jo Violeta(00:22):We are talking about setting a budget for your renovation and this is part two of our series with Claudia Brdar from The Renovate Avenue. Now Claudia, I think you'll recognise her voice and name because she's been on the show a few times, but just to remind you just in case you're a new listener, Claudia is a renovation and home-style specialist on any budget and she's the founder of the DIY Renovation Academy of which I am honoured to be a student. I am learning so much and what I'm learning in the course is how to succeed with my renovation and if you want to check out the course, if you want to learn how to succeed with your renovation, then I highly recommend checking it out. Claudia, welcome back to the studio. It's lovely to have you here.(01:18):Thank you so much, Jo. I've got to say you're a great student to have on board at the DIY Renovation Academy. Thank you so much for the feedback that you're offering and I'm glad to hear that you're enjoying it. I'm enjoying it so much. So every question I feel like I've ever had about renovations, home improvement style, like it's all being answered in a great, like a great amount of detail, but not so much that it's not accessible or overwhelming. It's awesome. It's just the right balance. So yeah, it's really, really good. And the little Facebook community that you've got rockin' on there is, is awesome as well. Aimee's part of the community we had Aimee on. Aimee's one of Claudia students. You might remember Aimee from a past episode. Aimee is the founder of Tiny Stays, so she actually builds tiny houses and then people can go and stay in them,uthrough Airbnb and they're just beautiful.(02:17):But we're not talking tiny houses today. We're talking budgets and numbers, which is equally as exciting, but it's super important. So let's start with the why, Claudia. Why is it important to set a budget for your renovation? Well, firstly, once you know exactly what budget you have to work with, you want to make sure you're meeting that budget. You're not blowing your budget. So that is why it's so important to plan out exactly what your renovation will entail, what you'll need to spend money on so you don't blow out your budget. And I also want to mention as well, when you're working at your budget, always allow 10 to 20% because nine times out of 10, to be absolutely honest, your budget will blow out. For some reason. There may be some unforeseen issues that you will only come across a once you know, this things such as termites that you only get to see once you pull out the, put the plaster, the walls, you'll get to see termites, hopefully not.(03:20):But the, and there's things like molding and stuff that you need to fix. So these sorts of things and issues come up. Once you get stuck into your Reno, you may be like halfway through and you're like, Oh no, there's, there's this issue that we've come across and we're going to need to put money towards that. So like I said, 10 to 20% on your buffer is really important when working at your budget's so important and you want to stay on track and check in with your budget regularly to absolutely. I agree. Carl, my husband Carl so he presents our finance segment,uand he helps people organise home loans and urefinances for their renovations and that sort of thing. But he always recommends if you're going to be organising some money for your renovation, that you do need to factor in that buffer because you just can't, you can't, you can plan and we're all for planning, but there are some things that you just can't predict, like as you said, the termites or renovating your bathroom and pulling out a wall and then realising that there's mould there and will, or one of my friends recently that they had like a drip in their bathroom and they had only recently had it renovated like a few years ago.(04:36):And they discovered that their, all, their plumbing had not been installed correctly and it just all needs to be redone, which has happens. Super expensive. So I think, yeah, that buffer is so very important. And also say, you know, how last last episode when we had you on we were talking about setting your goals, so the wife, your renovation. So if the wife, your renovation is to make profit. Yep. Your budget needs to fit in. Yeah. We've actually made exactly profit. So we agree. Setting your budget is super important. And having that buffer that, how do we actually go about setting up a budget, particularly for beginners. We've never done anything like this before. Know exactly what work needs to be undertaken. So know exactly what you're going to need to do. Write it all down, write everything down. I'm talking from you know, painting to the knobs on your doors and you know, front door, whatever.(05:39):Just write it all down, everything you need to change and update, write it down and then start researching what all the costs are going to be. So, and I'm talking even even door knobs, like kitchen cabinet handles can cost from $10 to 80 bucks. So start researching, go out there, you know, go to your Bunnings store, go to Reece, Tradelink or wherever you want to go to source your products and start getting an idea of what things are going to cost you and write it all down and know exactly what you can splurge on. And you know, you got to understand that there was a client recently that I dealt with and she picked a stone bath. It was like $10,000, and didn't really take into consideration that the $10,000 was going to blow out her budget. She just loved this stone bath and who doesn't, you know, the stone bath's absolutely amazing, but they're gorgeous.(06:34):Be realistic, be absolutely, really stick. If it's not within your budget and it's gonna throw it all out please just take any consideration that that $10,000 bath is going to eat into your vanity, your shower and, and the rest of this stuff. So just really be you know, keep that in mind. Be realistic with what you're splurging on and what you can't splurge on. Okay? So if you see something that you have to have, then you need to make adjustments elsewhere. Yeah, yeah, yeah, that's right. If you really want to go for $10,000 stone bath, then it's most likely your vanity will be of a lesser quality if it's not gonna fit into your budget. So just be realistic shop around. There's sales happening all the time too, and you can get stuff, you don't have to pay full price for everything these days.(07:20):There's sales happening all the time. So just really get out there, shop around and do your research. And where do you set up your, your budget. So do you set it up in a spreadsheet or is there a special app or Excel? So I go into Excel and make a spreadsheet. There's a spreadsheet on my course but it's a spreadsheet which shows your low range costs, mid range cost and then high end range costs. And it gives you a sort of estimate and rough pricing on what things will cost from your bathroom, your kitchen plumbing costs and things like that. So you can really work out on Excel. So just, and like I said, with your list of everything that you need to implement, so all the work that you need to do, write every single thing down and then, you know, exactly what needs to be done and what price goes against it as well.(08:13):What you can spend against it. But using Excel is really, really helpful. I think just recording everything is you know, and just checking in with it regularly to make sure that you're on track with your budget too. I think that's really key. Checking in regularly. And I love that at that spreadsheet that you've set up because it also on the spreadsheet, Claudia also showed you what can be DIY and what must not be DIY, but you need to get a trade in force. It's important to when you're setting up your budget to be clear on what you can do yourself. And you do need to invest in a professional. Yeah, definitely, definitely to do. And where I've saved money, for example, my husband and I, Pete, where we've saved money with DIY is painting. I know it's hard work and it takes time, but it's going to save you thousands of dollars, do it yourself.(09:05):And if you're not sure, ask, go to your paint shop, ask, ask the people that work there or go on YouTube. There's so many different videos on how to paint effectively, do a good job. And not leave streaks all over the place. And there's also other things you can DIY such as the outside you know, you landscaping or if it, you know, you want to paint the outside of your house, that's things you can do yourself as well. Don't do plumbing yourself if you're not a qualified plumber. Don't do electrical work if you're not an electrician. And those sorts of things, leave that to the qualified tradies and the stuff that you can, DIY is more the painting or if it's cosmetic renovations you can do yourself. But there's ways you can save money on your budget too and take off thousands of dollars there. How do you, we spoke about setting a budget because it can help to make sure that their renovation is actually profitable. If that's your goal, how do you figure out whether your renovation will be profitable? Like is there a formula or, yeah, there is. There's a renovation formula which will help you work out whether you're going to make a profit return on, on sales. So there's a few things I'm going to go through it. Jo and lucky that I am lucky that there is actually a formula that would have been a little bit.(10:26):No, I kind of knew there was, there's a formula that I usually work out when I'm looking at a property and I and Pete and I are considering renovating, we'll work out exactly what the sale price is and what the potential resale price could be. So what you want to work out is your potential sale price. So like I said in the previous episode, do your research on the property market, suburb due diligence as well and from your potential sale price work out minus your purchase price, then minus your renovation costs. So ensure all your budget and financial finances are in place. Sorry. Then you've got to minus your hold costs, your fees, your duties, costs, solicitor, agents, marketing costs as well. So minus that as well. And then what that will equal is your potential return. So what you expect the sale price to be achieved.(11:29):So again, it's your potential sale price. Start with that minus your purchase price. Then minus your renovation costs minus your fees. So your solicitor fees, agent fees and that should equal your potential return. So what you expect the sell price to be achieved and you need to work out whether that's going to be beneficial to you, whether that end result will be beneficial from that, this formula will give you a much better idea of what your potential outcome could be. So that really helps me work out. Whether the property I'm looking at could be a good investment or not. Oh, that's really smart. Especially that, that you mentioned also factor in the agent fees and that the legal fees like the conveyancer and all that sort of thing. Because I don't think people factor that in. They're just like, okay, I bought this house for 500 I reckon I can renovate it and sell it for 700 the rhino is going to cost me a hundred grand, I'm going to make a hundred grand profit.(12:37):Yes. No you're not. No, because there's other expenses involved. And then I suppose, I suppose when you're making that decision, you're looking at why don't you take away all those expenses, you look at what you're left with and then I guess it's a case of, well, is that worth my time? That's right. Exactly. I so agree. I so agree. And the tears and the late nights and the, you know, exactly giving up my weekends. So yeah. And then there's also capital gains tax, which is another one. So if you've bought a property, and this will vary between each state. So just check it out. And I think only with listeners a year in Victoria, is that right? Ah, we actually, we, so the live show, if you're listening on 98.7 RPP FM that goes through, yeah, just in Victoria. So I'm wanting to push that through to Cranbourne but it also streams live in the RPP app that's worldwide.(13:30):And then the podcast worldwide audience, like everyone in the United States, we have lots of listeners there, [inaudible], Malaysia, all over the place. So I think that's a really good point though, that look, this is going to vary depending on where you live. Yes. And Claudia and I live in Victoria and so a lot of the information that we give could be specific to that's right. Yeah. To our location. Exactly. But you know, this is general advice, general information, so yeah, yeah, yeah. You want to check with whatever laws and regulations apply to wherever you live. Yes, of course. Of course. So check your capital gains tax and what that is for your state because it does vary. And in the past for us, it's been if you've renovated and you sell the property within 12 months, you'll get slapped with a tax fee.(14:27):So please check that out depending on where you're living and speak to an expert about that too. So that's another one. Yeah. So that would be your accountant. And I think a lot of people when they're renovating or they're buying properties, they just don't think to speak to their, to an accountant. But an accountant is a really important part of your, of your team. Yes, exactly. Yeah, I agree. And I'm just source information from the people around you to people that have done it before as well. So if you've got friends and family and neighbours that have done renovations speak to them, the more knowledge you have, the better. So knowledge is power and I believe that yeah, the, the, the more things that you research and you have an understanding of the more that you will hopefully have a successful outcome.(15:15):Yeah. Make some informed decisions. Yes. People, the one informed decision. Okay. So let's say we've done, we've, we've set our budget, we've done all our research, we're making informed decisions and all of that good stuff. But we start to realise, even though we've got the buffer and everything that we're starting to go over our budget, what do we do? Do we just stop and just so like I said before, you need to track your budget regularly, so to make sure that there's no nasty surprises that you're running on track and everything's going well. If for some reason you blow out of budget, it means that you may need to cut back on some things that you had ideally planned from the start. Maybe that stone boxbath is not going to happen. Maybe that marble bench top is not going to happen.(16:06):So just cutting back on some things I think can, you know, like there's different bench tops these days that can cost thousands of dollars and you know what, there's laminate bench tops out there that look fantastic and can take thousands of dollars off your budget. So just cutting back on some things and some things that you maybe thought you were going to splurge on from the start. Maybe, maybe that's not going to happen now if you've, if you've exploded and you know, your budget's not running on track anymore than just really think about cutting back on some things and some changes are gonna have to happen, I guess, which sounds sad, but it can still be a great result. Yeah. Yeah, it really can. So you're just having a look to say where you can make some adjustments. It's just like of your family budget as well. You're just always reviewing and that's right. And adjusting. That's right. It's like cutting back on Foxtel when you have to.(17:03):So today we have covered in this episode we've covered the budget, which is so crucial. Next time Claudia comes into the studio, which is in a month's time, we are going to talk about how to select a property to buy and renovate. So how to research neighborhoods, what you're actually looking for in that, that property, all of Claudia's insider hints and tips. Claudia, thank you so much for coming into the studio tonight. And if people want to get more information on how to set the budget for their renovation or planning their renovation in general, how can they do that? So I am on Instagram and Facebook under the renovate Avenue. And I also have my online course, which I've created from my and the mistakes I've made The DIY Renovation Academy which will give you a renovation plan to take action and ready to go. So I've implemented that which is called the DIY renovation Academy. So if you need some more information, please just get in touch. You're happy for people to DMU and stuff on Instagram, Facebook, email me or you can message Jo and Jo will get me to contact you.(18:14):Thanks for joining us on the dream home movement. Be sure to come over and say hi on Facebook and Instagram. I hope that your dream home projects are going well and I look forward to chatting with you again next week.

Have you heard the saying – ‘there’s an app for that’?Well when it comes to home improvements, home styling and renovations, the saying is very true.Whether you’re building a new home, planning your garden, looking to extend or are just not sure which cushions will suit your current furniture, there’s an app for that.In fact, there are THOUSANDS of apps for that.So, to reduce the overwhelm, I’ve done the hard work for you and found the best home improvement apps.In this episode, I share my favourite handy apps and online tools for homeowners.Here’s a link to my blog post with a list of all the apps and links to download them:https://violetafinance.com.au/best-home-improvement-apps/**This episode of the Dream Home Movement was recorded live at the RPPFM**Follow the Dream Home MovementFacebookInstagramFollow Carl and Jo VioletaFacebookInstagramWeb

Claudia from The Renovate Avenue takes us right back to the very start of the home renovation process, goal setting and figuring out the WHY for your renovation.We cover:Why is it important to establish your goals for your renovation before you get started?What are some examples of goals you could have for your reno?How do we decide on our goals (what do we need to consider when setting goals)?Once we’ve set our big overarching goal, how do we break the project into manageable chunks (set mini goals)?This episode launches a very special DIY renovation series.⠀Claudia from @therenovateavenue and Founder of the DIY Renovation Academy will join us once a month on the show to take you through EVERYTHING you need to know to DIY your reno.⠀⠀This is like a little sneak peek into her super popular DIY Renovation Academy course.⠀⠀This series is exclusively for Dream Home Movement listeners.⠀Finance Segment – What is equity and how can we use it?This Finance Segment is presented by Carl Violeta - Violeta Finance**This episode of the Dream Home Movement was recorded live at the RPPFM**Follow the Claudia and The Renovate AvenueFacebookInstagramWebsiteFollow the Dream Home MovementFacebookInstagramFollow Carl and Jo VioletaFacebookInstagramWebGuest bioClaudia and her husband Pete have renovated small properties right through to large scale projects. Several years ago they bought a run-down 1960's weatherboard house (purchased for $460K) and ended up completing a major renovation ($75K), creating a beautiful sought after home ... on a tight budget! They set the suburb record for a property price of $1.035 million (2017)!They're currently renovating a 1960's brick house to sell.Both Pete and Claudia have a real hands-on DIY approach when it comes to renovating, focusing on achieving that ‘WOW’ factor ... thinking bigger, outside-the-box, and never afraid to take a risk.Claudia created The Renovate Avenue to share her knowledge, and inspire others to climb the property market via the renovation avenue, building a financially stable future to retire earlier (and do what you love).

Mia and Simon from Mornington Peninsula Reno Life are in the midst of a MAJOR property renovation.They found a property in an amazing location on a beautiful piece of land, but the home on the property wasn't right for their needs. So, they're creating they're using the shell of that house to create their dream home.On top of all of this hard work, they have a couple of kids in tow (2 under 5).Luckily Sime is a chippie so they have his skill and expertise on their side.Discover how they're managing their renovation, the biggest challenges they're facing tips for other families who are renovating and they're vision for their dream home.Plus where to draw inspiration for your renovations.Finance Segment – Why buying an investment property might be more attainable than you thinkMindset - So many people dream of buying an investment property but think it's out of their reach. Carl explains why they might be wrongThis Finance Segment is presented by Carl Violeta - Violeta FinanceDownload the Property Investment for Beginners Checklist**This episode of the Dream Home Movement was recorded live at the RPPFM**Follow the Mornington Peninsula Reno LifeInstagramFollow the Dream Home MovementFacebookInstagramWebFollow Carl and Jo VioletaFacebookInstagramWeb

Getting the colours right in you home is essential. In this episode Colour and Design Consultant Melinda Stead from Colour Designs explains:Why is it important to get the right paint colour to suit your space?What elements can affect the way colour can look in your home?What are some tips for choosing the right colours for your home?Annnnnd very importantly - How do you choose the right white? Because they’re all different right?...Melinda, from Colour Designs has over 10 years of industry knowledge creating window and floor layouts for some of Australia’s largest furniture companies.Finance Segment – Why your Mortgage Broker or bank keeps asking for additional documents for your home loan applicationThis Finance Segment is presented by Carl Violeta - Violeta FinanceProperty Geek-out– House hunting tipsThe Property Geek-out is presented Tara Vandeligt – Founder of Building Dreams. Mornington Peninsula**This episode of the Dream Home Movement was recorded live at the RPPFM**Follow the Colour DesignsFacebookInstagramWebFollow the Dream Home MovementFacebookInstagramFollow Carl & Jo VioletaFacebookInstagramWebFollow Tara Vandeligt FacebookInstagramJoin the conversation in the Building Dreams. Mornington Peninsula Facebook Group

Season 3 of the Dream Home Movement is rolling out very soon.The variety of guests is just awesome this season.We're covering so many different topics, including:easy, fun and affordable ways to decorate your kids' bedrooms,juicy real-life reno storiesrenovating a commercial property,how to select the right paint,swimming pools,repurposing salvaged materials, andso much more.This season we're launching an exclusive mini-series within season three of the podcast with Claudia from The Renovate Avenue. The mini-series will take you through everything you need to know to do a DIY renovation from the very start to the very end.I can't wait to share season three with you, I reckon you're going to love it.Thank you so much if you've been here from the very beginning and to new listeners, welcome on board.Now there is a bit of a change in season three; I'm solo hosting the show.My previous co-host Tara has moved on and launched her own business Building Dreams Group. She still wanted to be involved in the show but wasn't able to commit to continuing co-hosting the show.So Tara will still host the property geek-out segment.And of course, we've got Carl coming back, as always to do our property finance segment.So let's do this. It's launching soon.If you haven't subscribed yet, please make sure you hit subscribe, so you don't miss out on episode one of season three of the Dream Home Movement.

We dive into the behind the scenes realities of a full kitchen renovation. Learn kitchen reno tips and mistakes to avoid.Our guest Kate Toon renovated her kitchen, and the results are stunningly gorgeous. In fact, it would be fair to say that Kate’s kitchen is Nigella Lawson worthy.However, the process wasn’t quite so glamourous.Kate shares why she renovated her kitchen, what the process involved, and what she learned from the process.Plus, find out why every kitchen needs a #PoshBinIf you’re thinking of embarking on a kitchen renovation this is a must listen.If you’ve already completed a kitchen renovation, Kate knows your pain, tune in for a totally relatable giggle.Finance Segment – Why you need to get your mortgage sorted BEFORE you bid at an auctionFinance Segment is presented by Carl Violeta - Violeta FinanceProperty Geek-Out – Property market updateProperty Geek-Out is presented by Tara Vandeligt – Founder of Building Dreams. Mornington Peninsula**This episode of the Dream Home Movement was recorded live at the RPPFM**Follow Kate ToonFacebookInstagramWebFollow the Dream Home MovementFacebookInstagramWebFollow Carl & Jo VioletaFacebookInstagramWeb Follow Tara Vandeligt FacebookInstagramJoin the conversation in the Building Dreams. Mornington Peninsula Facebook GroupGuest BioAbout Kate ToonKate Toon is an award-winning SEO copywriter and SEO consultant with almost two decades of experience in all things advertising, digital and writing. Originally from the UK but now based just outside Sydney.Kate is also the founder of The Clever Copywriting School and The Recipe for SEO Success eCourse, the co-host on the Hot Copy Podcast and the host of The Recipe for SEO Success podcast.

We turn the spotlight on our co-host Tara Vandeligt of Building Dreams. Mornington Peninsula, and discuss the lessons she’s learnt from managing her own renovation, subdivision and new build projects, and pick up her practical tips to keep your projects moving.Finance Segment - Credit crunch - it's become harder to secure finance, find out why and what you can do about it.Presented by Carl Violeta Founder and Finance/Mortgage Broker from Violeta Finance**This episode of the Dream Home Movement was recorded live at the RPPFM in October 2018**Follow the Dream Home MovementFacebookInstagramFollow Tara Vandeligt FacebookInstagramWebJoin the conversation in the Building Dreams. Mornington Peninsula Facebook GroupFollow Carl & Jo VioletaFacebookInstagramWebFollow Janice Dunn Estate AgentsFacebookInstagramWeb

Morgan and Kendall are the owners of The Rolling Runway in Athens, Georgia. In this episode, we discuss how to start a business with a partner, why they decided on an airstream, and the benefits of having an online store. PODCAST PLAYER iTunes // Stitcher // YouTube // RSS // Episode Archive IN THIS EPISODE […] The post 080: Opening a Fashion Truck With a Partner + The Benefits of a DIY Renovation appeared first on Start a Fashion Truck.

We interview our special guest Jarrad Kind of Jrking Homes about the latest trends in custom builds on the Mornington Peninsula.We explore what a custom build is, how to get started building your dream home and how to build a beautiful unique home within budget.Plus, meet your hosts Tara Vandeligt from Building Dreams. Mornington Peninsula and Jo Violeta from Violeta Finance.Property Nerd Tara shares her DIY Renovation tips, plus one of the most important features you should look for when buying property.Numbers Nerd Jo explains the importance of understanding your budget when building and share some of her embarrassing gardening blunders.This episode of the Dream Home Movement was recorded LIVE in the RPPFM studios.