I'm not sure what's the market for renovation loans. I haven't gotten to that stage yet ): I'm also not sure how much more furnishing you need, so my words may not apply: For myself, I plan to move some stuff from my current house to my new house in the future. For example, both my and my husband's house have quite a lot of spare drinkware, so we will bring them over. I also plan to not have furniture which we will not use e.g. cut the sofa and coffee table and just have a dining set. It's a reasonable plan for us because our future living room and dining area will be quite small. Again, not sure if it applies to you. All these savings add up. Plus, save resources (earth too?) by reducing and reusing. There was an article I read (I forgot where...) which encouraged people not to furnish the entire house all at once but to do it slowly and maybe never fully furnish the house. One reason was to allow space for new things to be introduced over time. Another is to help with cash flow. The article (or was it another article?) also encouraged people not to buy entire furniture sets and fill up the house totally. As for renovation, I am not sure how much renovation I want, but elaborate renovations make me wonder how easy it is to clean the house (I do not plan to hire housekeepers). Stuff which I feel are worth renovating for are ceilings, kitchen, wardrobes. I never gave a thought about the bathroom because I opted for HDB's fitting. Last but not least, I have a friend who DIY-ed parts of his home. He gets to save up plus have a novel experience. "Why hire people to do (insert not-so-complicated task) and you go to the gym to work out when you can just DIY and get the workout done at the same time?"