Renovate Before It Costs You: Why 2025 Might Be the Most Expensive Year to Wait

You’ve got renovation dreams. A better kitchen, a sun-soaked deck, maybe that spa-like bathroom you’ve had pinned for months. But there’s one big question that keeps so many homeowners stuck:
“How do I pay for this?”

Here’s why waiting might cost you more—and how a smarter financing solution like RenoFi can help you make it happen now.

Why 2025 Is the Year to Renovate—Before It Gets More Expensive

There’s a lot happening behind the scenes that could make your renovation project more costly the longer you wait:

• 🪵 A Proposed 25% Tariff on Lumber Imports
  This is on top of the already existing 14.5% tariff on Canadian lumber, which will directly increase the cost of materials like framing, cabinetry, and decking.

• 💸 High Interest Rates Aren’t Going Away
  Loan rates remain elevated, and delays may lead to even steeper financing terms later in the year.

• 🏛️ Potential HUD Cuts Could Slow Down Loan Approvals
  If you’re relying on traditional housing programs, reduced staffing at the federal level could slow the process and make funding even harder to access.

TL;DR? Renovate now to lock in prices, materials, and financing before they climb.

How RenoFi Works—and Why It’s a Game-Changer

As a designer, I’m constantly helping clients plan beautiful spaces—but the real magic happens when you also have the right funding partner. That’s where RenoFi shines.

🔑 Here’s how it works:

• RenoFi Loans are built specifically for home renovations.

• They allow you to borrow based on your home’s future value—after your renovation is complete.

• This means you can often borrow up to 11x more than with a traditional home equity loan.

Instead of settling for less, cutting corners, or delaying the project altogether, RenoFi helps you finance the version of your space you actually want.

Why RenoFi Is Different

💼 They streamline the process:
RenoFi Advisors guide you from start to finish—helping you explore options, get pre-qualified, set up an appraisal, and match with the right lender.

🏠 They focus solely on renovations:
This isn’t a generic home loan—RenoFi was built to support projects like new decks, kitchen overhauls, bathroom additions, and more.

📈 They use your home’s after-renovation value:
That’s the magic. By basing the loan on what your home will be worth, you can afford the project you actually need.

Explore more on how RenoFi works.

Smart Renovation Ideas to Lock in This Season

Need inspo? These are the types of renovations I recommend prioritizing now—before material costs spike:

• Outdoor Spaces — decks, porches, outdoor kitchens (especially vulnerable to lumber price hikes)

• Kitchen Redesigns — with custom cabinetry and built-ins that rely heavily on wood

• Bathroom Remodels — for spa-style features like custom vanities and tile work

• Additions or Conversions — where framing, drywall, and structural materials are required

Final Thoughts from a Designer (That’s Me!)

At Living Bright Interiors, I believe your home should support your lifestyle—and reflect your personal rhythm and style. But waiting for “the right time” to renovate could mean watching the cost of your dream climb higher and higher.

With RenoFi, that dream can be funded smartly and beautifully.

Don’t wait until tariffs or rates force you to scale back. Let’s design your glow-up—and fund it the right way.

Want a consultation to map out your renovation vision?
Reach out to me at Living Bright Interiors. And don’t forget to explore your funding options through RenoFi right here.

© 2025 Living Bright Interiors. Affiliate partner with RenoFi. All opinions my own.