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To decide if loaning for remodelling is sensible or not, you need to take into account the month-to-month budget, the return on the task and the size of the job. Are you able to make a new month-to-month payment on a loan? Will the project you plan to carry out increase the value of the house, so that you can take a new assessment? How long does this remodelling take? If you have excellent financial resources and the job you are planning will increase the value of the house, the additional financing costs may deserve it. If your house remains in bad condition, it can be challenging to increase the mortgage to manage to renovate. A customer loan can then give you a couple of kroner that you need, and then you can go to the bank afterwards to lower the rate of interest on the mortgage.