Renovation for First-Time Homeowners: What You Need to Know

Congratulations on your new home! Renovating for the first time is an exciting milestone, but it can also feel overwhelming. With so many decisions to make, costs to manage, and potential pitfalls, it’s easy to get lost in the process. This guide will walk you through the key things to take note of when renovating, ensuring a smooth and stress-free experience.

1. Find a Verified Interior Designer (ID)

The right Interior Designer (ID) can make or break your renovation experience. Here’s how to ensure you’re hiring a trustworthy professional:

Key Points to Look For:

• Accreditations: Check if they are accredited by CaseTrust, HDB-licensed, or belong to industry bodies like the Singapore Renovation Contractors and Material Suppliers Association (RCMA).
• Portfolio & Reviews: Look at past projects and reviews from real homeowners on platforms like Hometrust and Qanvast.
• Transparency: A good ID will provide a detailed breakdown of costs, materials, and timelines upfront.

Red Flags to Avoid:

• Too-Good-To-Be-True Prices: If an ID offers an extremely cheap package, chances are they might be cutting corners or using low-quality materials.
• Pushy Sales Tactics: Be wary of IDs who pressure you into signing a contract on the spot.
• Lack of Written Agreements: Everything should be documented, from materials to costs and project timelines.

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2. The HomePay Checklist: Planning Your Renovation Wisely

Using a checklist helps you stay on top of things and avoid unnecessary stress. Here’s what you should consider:

Pre-Renovation:

• Set a realistic budget (including a buffer for unexpected costs).
• Finalise your renovation scope (e.g. full reno vs. minor upgrades).
• Research and shortlist reputable IDs.
• Apply for necessary permits (especially for HDB flats).

During Renovation:

• Track progress and ensure work aligns with the agreed design.
• Keep records of payments and receipts.
• Communicate regularly with your ID.

Post-Renovation:

• Conduct a final inspection before making the last payment.
• Check for defects and request touch-ups if needed.
• Clean and prepare your home for move-in.

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3. Secure Your Payments with Escrow

One of the biggest renovation nightmares is when an ID disappears with your money before completing the work. Avoid this risk by using HomePay, Singapore’s first renovation payment platform.

How Escrow Protects You:

• Your renovation funds are held securely and only released to the ID upon completion of each milestone.
• If your ID goes out of business, HomeProtect ensures another accredited ID takes over your project.
• You get full transparency and peace of mind throughout the renovation journey.

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4. Paying with a Credit Card to Earn Miles

Did you know you can maximise your renovation payments by using a credit card? HomePay, as well as some IDs allow you to pay via credit card, giving you the opportunity to earn miles, cashback, or reward points. However, do check for additional fees that might be charged for credit card payments.

Pro Tip:

• Consider using a card with high rewards on big purchases (e.g. Citi Prestige, DBS Altitude, or AMEX KrisFlyer cards).
• Use a card that offers an interest-free installment plan if your ID supports it.

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5. What to Expect: Renovation Timeline & Key Phases

A typical renovation takes about 6 to 12 weeks, depending on the extent of work. Here’s a breakdown of what roughly happens. Take note that every ID works differently, and may not follow the timeline below exactly.

Week 1-2: Planning & Permits

• Finalise design & materials
• Apply for necessary permits (HDB approval if applicable)

Week 3-6: Structural & Wet Works

• Hacking (if required)
• Plumbing & electrical work
• Flooring installation

Week 7-10: Carpentry & Fixtures

• Custom-built carpentry work (cabinets, wardrobes, etc.)
• Painting & ceiling works
• Lighting & electrical fittings installation

Week 11-12: Final Touch-Ups & Cleaning

• Quality checks & rectifications
• Deep cleaning before move-in

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Additional Considerations for First-Time Homeowners

Lifestyle & Practicality

• Think about your daily routine—do you need more storage, an open kitchen, or a study space?
• Prioritise functionality over aesthetics; a home should be liveable, not just Instagram-worthy.

Future-Proofing Your Home

• If you plan to start a family, consider child-proof features.
• Choose durable materials that will last, even if they cost a bit more upfront.

Be Prepared for Unexpected Costs

• Renovations rarely go exactly as planned. Set aside at least 10-20% extra in your budget for surprises.

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Ready to Renovate? Get Started with HomePay to Protect Your Renovation Funds Today!

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Renovating your first home doesn’t have to be a stressful experience. The key is to make informed decisions, protect your funds, and plan effectively. Remember, a well-planned renovation not only makes your home beautiful but also enhances your quality of life for years to come.

Take the time to research, ask questions, and don’t rush into decisions. Investing in quality materials and experienced professionals will pay off in the long run, giving you a home that’s both functional and stylish. Most importantly, enjoy the journey— renovations don’t happen that often, so this is your chance to create a space that truly reflects you.

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