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How To Renovate Your Home on a Budget: 5 Top Tips

Discover our top tips for renovating your home on a budget. Learn how to achieve a stylish home without breaking the bank.

A woman painting her wall.

Renovating your home can be exciting but also expensive. However, with careful planning, you can transform your space without breaking the bank. In this article, we will explore some tips on how to renovate your home on a budget, focusing on different areas, such as the kitchen, bathroom, garden, and bedroom…

How much does it cost to renovate a house?

Before we begin, it is important to understand just how costly home renovations can be. Checkatrade estimates that a full renovation of a house in the UK will cost £107,350 on average, which may not be accessible to everybody. However, there are many things you can do to breathe new life into your home on a budget.

Our Expert's comment on why you should have a home renovation budget:

Financial Expert Andrew Hagger.

Setting a well-defined budget is fundamental to any successful house renovation. Begin by thoroughly assessing the scope of your renovation project and determining your priorities. Next, research the current market rates for materials, labour, and any required professional services.

Remember, a well-planned budget is not only about cost-cutting but also about allocating funds effectively to achieve your desired outcomes. By maintaining a clear budgetary focus, you can make informed decisions, avoid overspending, and complete your home renovation project within your financial means.

— Andrew Hagger, at Consolidation Expert.

1: Planning and Budgeting

Set a Realistic Budget and Stick to It

The key to renovating your home on the cheap is making sure that you start with a solid plan and a realistic budget. Consider all the areas of your home you’d like to make improvements to and prioritise them based on importance. Once you’ve done this, you can determine a budget for each room.

Research Home Renovation Loans

If you have bigger projects you’d like to undertake, there are options for financial assistance which could help your vision come to life. However, it is important to be cautious when taking out any form of credit, as your credit score can be negatively impacted if you miss payments. If you’re already dealing with debt, there may be better options than this one, and following the other tips in this article may be more useful.

If you’re in debt, we may be able to help you. At Consolidation Expert, we work with a panel of lenders to offer consolidation loans that could combine all your debts into one loan with an affordable monthly payment – our lenders consider a range of credit scores.

Representative 14.8% APR

We are a broker, not a lender.

Representative Example: Borrowing £15,000 over 60 months, repaying £355.28 per month, total repayable £21,316.57.

Total cost of credit £6,316.57.

Interest rate 14.8% (variable).

The lenders on our panel offer loans for 12-360 months, with rates from 4.7% APR to 42.6% APR.

The Representative Example is based on all loans paid out by lenders between 1st Jan 2022 and 31st Dec 2022.

2: Smart Kitchen Renovation Ideas

Repaint your cabinets

The kitchen is often the heart of the home, so it’s understandable to want it to look the part. Repainting your kitchen cabinets can give the room a new lease of life without the hefty price tag that comes with replacing them. If you’re feeling really creative, you could even change the hardware on your cupboards to give them a fresh, updated look.

Affordable options to update your countertops

Another cost-effective option is to explore affordable alternatives for updating your countertops, such as laminate decals. This can provide a stylish and durable surface without breaking your budget. A lower-effort option would be to get some glass countertop protectors, which can instantly change the look of your kitchen.

3: Transforming Bathrooms on a Budget

Lino floor transformation

Renovating your bathroom can quickly become expensive, but luckily there are ways to achieve a stunning new look without overspending. Lino is a quick and affordable way to update the flooring, which can be laid right over existing tiles. It is easy to do it yourself, so you won’t have to pay anyone to install it, and it comes in a variety of styles and colours to suit your taste.

Refurbish your bath or shower

Instead of replacing your bath or shower entirely, getting creative and refurbishing them will be better for your wallet. You could do this by changing the tiling or redoing the grout to give it a clean, fresh look for a fraction of the cost of a new bath or shower.

4: Budget Ideas for Your Garden

Make your own herb garden

Even if you’re on a tight budget, your garden still deserves some love! If you have an outdoor space, you could start your own herb or vegetable garden, which spices up your garden and saves you money on groceries at the same time. If you don’t have a garden, this could also be done on a smaller scale on a balcony or kitchen windowsill.

Create a focal point with DIY projects

DIY can also get you a long way when it comes to transforming your garden. There are countless affordable ways you can add personality and style to your outdoor space, from building a decorative trellis with recycled wood to repurposing old items as garden ornaments.

5: Budget-Friendly Bedroom Décor

Wallpaper feature wall

A feature wall can be a great way to make a big impact in your bedroom without committing to wallpapering the entire room. This makes it much more affordable, as you will be paying a fraction of the price. You could even do this with paint instead of wallpaper, and there are endless colours and patterns to choose from.

Upcycle Furniture

Additionally, upcycling furniture is a fantastic way to save money while adding a unique touch to your bedroom. With a fresh coat of paint and some creativity, you can transform old pieces into stylish and personalised cheap home décor that fits your budget.

Renovating your home on a budget is achievable with the right planning and a sprinkle of creativity. By following these five top tips, you could revitalise your home without breaking the bank.


  • Planning and Budgeting: Set a realistic budget and explore financial assistance options.
  • Smart Kitchen Renovation Ideas: Repaint cabinets and consider affordable countertop alternatives.
  • Transforming Bathrooms on a Budget: Explore cost-effective flooring options and refurbish existing fixtures.
  • Budget Ideas for Your Garden: Create your own herb garden and add DIY focal points.
  • Budget-Friendly Bedroom Décor: Add a wallpaper feature wall and upcycle furniture.

Remember, if you’re struggling with your finances, Consolidation Expert could help. If you have multiple high-interest debts, you could combine them into one loan with an affordable monthly payment with a consolidation loan.

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