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What type of loans can you use to fund your addition or extension?

If you are building an addition or extension on your home you may find yourself needing to arrange finance to pay for the build. We can help you secure the appropriate finance for your build.

Refinance your current mortgage

To pay for your addition or extension you can opt to refinance your existing mortgage. This means that you will use the equity in your home to obtain a loan for a higher amount than what you currently owe to finance your addition or extension project.

The new loan will replace your old loan and you can choose to stay with your existing finance provider or move to a new finance provider. Refinancing has several advantages for homeowners with substantial equity in their homes.

First, it may allow you to obtain lower interest rates without changing your monthly mortgage payment or adding on a new payment.

Second, some lenders “may approve a loan based on the estimated value of your home once the addition is completed,” which is convenient for projects that require a large amount of money, such as a second story addition or ground floor extension.

Take out a Construction Loan

A construction home loan is a type of home loan designed for people who are building a new home, a first floor addition, ground floor extension or doing large scale renovations. It has a different loan structure to home loans designed for people buying an established or existing home.

A construction loan most commonly has a progressive drawdown. That is, you receive instalments of the loan amount at various stages of construction, rather than receiving it all at once at the start. You generally only pay interest on the amount that is drawn down, as opposed to on the whole loan amount.

A number of lenders offer construction loans that are interest-only during the construction period and then revert to a standard principal and interest loan.

Of course, a construction loan is just one potential source of funding for your project. The Federal Government recently unveiled its HomeBuilder scheme, which will give eligible homebuyers and existing owners grants of $25,000 to help them construct or substantially renovate their home. Strict eligibility criteria apply– for example, you’ll need to meet an income test, and be building a new home that’s worth less than $750,000 or a renovation that will cost at least $150,000. For more information visit our blog post here.

We can connect you with our finance specialist to discuss how to get started today.


Renovation Package



Thinking of renovating your bathroom and kitchen and revamping your floor?

We have put together the perfect renovation package for you!

We are experienced renovation experts who project manage your home renovation package from start to finish and deliver your project on time and to budget.  You also deal directly with us throughout, which means no sales reps or chasing tradespeople. 

Our Renovation Package includes:

  • 1 x bathroom – Semi-frameless shower screen & $6K to spend at Beaumont Tiles
  • 1 x kitchen – Polyurethane cabinetry, 40mm stone benchtop, glass splashback and soft close drawers, $5K to spend at Winning Appliances
  • Flooring – Hybrid engineered timber flooring to living, dining, hall up to 50m2
  • Includes: electrical, plumbing, plastering, demolition, waste, project management
  • Offer valid to May 1st

Our response to COVID-19 – Coronavirus

The 32 Degrees Building Team acknowledge that we have a duty to provide a safe workplace without risks to the health and safety of our team and our clients.

This includes managing the risk of exposure to the coronavirus, COVID-19 and reducing any impact this may have to our clients, team members and contractors.

We are still conducting business as usual and welcome you to contact us about your build. As a response to the current situation we have implemented the following:

Onsite Consultations
For your reassurance, our builder Alistair will be following strict hygiene protocols when attending onsite consultations. He will refrain from contact and maintain distancing where possible. He carries hand sanitiser and disinfectant wipes with him in the car to use before and after each consult. Alistair has also not been overseas in the last 14 days and has not been into contact with anyone that has tested positive with Coronavirus.

Virtual Consultations
For those clients who are looking to build a second storey addition or have plans for an upcoming building project for quoting however you or a family member are unwell, you are self-isolating and/or would prefer to maintain social distancing from our builder, we are offering 20-30 min virtual video consultations*. Alistair can do a virtual walkthrough with you in your home to ascertain the scope and conduct a consultation with you remotely, addressing all of your questions, providing a quotation to you via email in 2-3 business days.

*virtual consultations are not available for extensions that do not have plans already drawn/prepared as an onsite consultation is required for these.

Onsite Team
All of our onsite team have been provided with sanitiser and disinfectant wipes that will be used throughout the day and at the end of each day. Where possible our team members will work in the same groups to minimise the risk of exposure to our members if one person was to become infected. We are also practising distancing by limiting face to face contact with clients and refraining from any contact with each other. If any member of our team displays symptoms, they are being sent home until clearance is provided.

As new information becomes available, we are keeping our team well informed so they can respond swiftly and appropriately. While the circumstances continue to change and we modify our operations as necessary, we thank you for your patience and cooperation. As new developments occur, be assured we are committed to taking care of our clients and team members.

Live the life of Luxury with a Resort Styled Retreat

The Perfect Parents or Teenagers Retreat from $175K

Looking for a dedicated area for you to escape the daily grind and kick back and relax? Our Resort Style Retreat Package is tailored to providing the extra space and lifestyle you are looking for.

Retreat Package from $175K

40m2 Second Storey Addition
1 open plan bedroom with integrated living area
1 large ensuite

This exclusive package is available for a limited time only. Take advantage of low-interest rates, increase the value of your home and get that extra room for your family.

Terms and Conditions:

Build cost only, based on a 40m2 addition. Plans and Council approval excluded – these are estimated at $15K.
A full quotation can be only be provided following an onsite consultation with the builder to undertake an assessment and determine suitability.

Family Value Package

Build a second storey addition from only $239K!

We have the perfect Family Value Package for you. Get the extra room and lifestyle you and your family have been looking for. This second storey addition package is packed with value and designer inclusions with plenty of additional room for you and your growing family.

Premium Family Value Package
70m2 Second Storey Addition
3 bedrooms with BIR’s
1 bathroom
1 living area

80m2 Second Storey Addition
1 master bedroom with ensuite & WIR
2 bedrooms with BIR’s
1 bathroom
1 living area
ONLY $239K! ONLY $269K!

This exclusive package is available for a limited time only.

Take advantage of the low-interest rates and maximise the value of your home by investing in the extra room for your family today.

Terms and Conditions: Build cost only, based on a 70m2 or 80m2 addition. Plans and Council approval excluded – these are estimated at $15K.
A full quotation can be only be provided following an onsite consultation with the builder to undertake an assessment and determine suitability.

That’s a wrap for 2019


Our team has officially wrapped up things for 2019! Here is an overview of our year!

Our office is now closed until 14th January 2020.

We wish everyone a safe and Merry Christmas and a Happy New Year!

You can still contact us on our website during the break and we will be in touch when we return. For any enquiries please fill out the form below.

Nailstrip Cladding


Some of our team were over at Belimbla Park recently installing the nailstrip metal wall cladding on stage 1 of the parapet of the ground floor extension.

Here are several benefits of using this material for your wall cladding: 
– It’s quick and simple to install, with no clips or special seam tools required
– It achieves an architectural facade with no visible fixings and has a modern clean style compared to traditional cladding
– You can get custom widths for your individual design style
AND our favourite;
– It requires minimal maintenance compared to other cladding materials, such as rendered brick and timber!

This look is definitely the new trend that we are seeing coming in across our builds, with our client in Rozelle also opting for this cladding! Want to know how to incorporate it into in your build either as a feature or across your home? – just ask us!

Connecting Families

Second storey additions, parents retreats, ground floor extensions, large scale renovations, granny flats, knockdown rebuilds – this is what we do and we LOVE it!

Did you know that a part of our job is also specialising in connecting families by creating additional, practical well thought out living spaces for families that are growing, those that are looking to move back in and those that require looking after.

Often we are contacted about creating more space for growing families, a great option to consider in this case is a parents retreat, teenagers retreat and retirees retreat through the addition of a second storey.

Parents Retreat: A parents retreat is the addition of a master bedroom, ensuite and walk-in wardrobe. The aim is to create a luxurious space where relaxation and privacy are the priority.

Teenagers Retreat: A teenagers retreat creates a space with additional bedrooms, a bathroom and living space creating a sanctuary away from the parents.

Retirees Retreat: A retirees retreat creates a space tailored to the more mature audience, they often include the addition of a bedroom, ensuite, wardrobe and a living area with a wet bar. They can be fitted out with features that can assist with ease of accessibility including wider entryways, stairlifts, a lift, even floors throughout and even a wet bar to maintain their independence.

If you are planning a build, talk to our team. We want to be a part of your building journey and make it a stressfree and enjoyable build, so much so that at the end of it, you will say to us that you would do it all again!

How Colonial Interior Styling Can Bring Your Home To Life

How Colonial Interior Styling Can Bring Your Home To Life

Every country has a colonisation era worth remembering, which also merged the art and design influences of various cultures. In the United States, Colonial decorating style reflects the era that started with the arrival of Christopher Columbus and ended around 1763 before the Revolutionary Period. Furniture style is simple, sturdy, and unique, as practiced by the famous Colonial furniture designers Chippendale and Hepplewhite.

The characteristics of colonial interior styling can bring your home back to life in so many ways. Learn more by reading below.

Revive Your Home With the Hamptons Style

It’s rejuvenating to bring Hamptons Style into your home, giving a new direction to the look and feel of your living space. From the traditional white and blue color palette as inspired by the sea, other colors can make your living room far richer. For example, you can use chocolate brown tones, warm gold, lavender tones, teal shades, and creamy beige.

Gone are the days when this style is best carried out with bold blues against white. Embrace a more contemporary Hamptons Style by striking a perfect balance of yin and yang and using contrasting colors while achieving a serene and calm ambiance. Achieve the Hamptons interior style by checking our expert tips for Colonial styling.

Here are some tips and tricks to implement the Hamptons Style to bring your home to life:

  • Play with Textures: Introduce rough materials, such as warm metals and aged brass for great tactile quality. You can combine it with your soft furnishings for more layered aesthetics.
  • Strike a Perfect Balance of Materials: You can always work with marble, wood, and other materials with the Hamptons style. Think about attaining a good balance between light and dark, soft and hard, and smooth and rough. Incorporate geometric panels, glass tables, and marble benchtop.
  • Try New Patterns: New patterns are very interesting. By working with geometric designs or shapes, you can give a space a more masculine, formal, and structured vibe. Try using geometric shapes in the bathroom, and it will surely make your home more lively. Invest in geo-shaped rug patterns to create an interesting focal point in your living room.
  • Balance the Design Elements: When you already have geometric patterns, you can lighten them with softer prints, like florals or block colors. Art deco patterns can be seen on cushion covers, which look sublime.
Revive Your Home With the Hamptons Style
Revive Your Home With the Hamptons Style

Decorate Your Home Following the British Colonial Style

In the late 1800s, the British Colonial interior decorating style was created. This period started when British people went to live in Asia, Africa, India, and the Caribbean, adapting refined British interior design to the available materials and climate where they moved.

The architecture of a British colonial style home has high ceilings. It allows the heat to rise and keep the rooms and a bit cooler for a more energy-saving home. The ceilings and floors were made of wood with oversized ceiling fans. Also, light is allowed to enter with large windows, giving your home more space to breathe for a livelier look.

Here are some tips and tricks to add British Colonial interior style to your home:

  • Add dark mahogany furniture for a more formal look. If you want a casual look, choose bamboo, rattan, or wicker furniture materials.
  • Choose pillowcases and curtains made of cotton or linen with animal or botanical prints as accents.
  • Don’t forget to place oriental rugs to depict the British colonial style best.
  • For artwork, go for those with a botanical theme because British families were very interested in studying botany at that time.
  • Hang ornate mirrors with the finest details on the wall.
  • For accessories, display beautiful crystal, silver items, fine china, Asian white and blue porcelain, animal horns, pineapple symbols, tortoise shells, seashells, maps, telescopes, and hurricane lamps. Avoid palm tree and monkey prints.

Patronise the American Colonial Interior Styling

When it comes to American Colonial interiors, the rooms are spacious and light with soft, muted colors and clean lines. Also, you’ll notice wide baseboards, white ivory ceilings, and intricately-designed crown moldings. Wood plays a crucial role in an American Colonial style’s design elements.

Here are some tips and tricks to design your home with the American Colonial interior styling:

  • The floors are typically made of mahogany, cherry, or walnut wood.
  • Handmade wooden furniture is preferred. Pine, maple, or birch furniture pieces have simple designs.
  • Light fixtures include cast-iron lamps and ornate chandeliers.


With the many decorating styles to choose from, Colonial style will never fade. The most appreciated furniture pieces came from the Colonial era when different countries or races merged and shared design ideas. Strength, durability, and passion in the construction of Colonial furniture pieces is evident. Indeed, the Colonial interior style can bring your home back to life, reminiscing and learning from the stories of the past.

**SPECIAL OFFER** See the plans for your addition come to life

The feedback that we receive from every client that we meet seems to be that they don’t want their extension or addition to look like an “add on” or a “box on the top”. 

We agree! The idea of constructing a second storey addition or ground floor extension on your home is to have it tie seamlessly into your existing home, so that it looks like it was always meant to be there.

We understand how hard it can be to visualise how your potential new second storey addition or ground floor extension will look on your existing home let alone having to make decisions to pick colours that will work together.

Let us take the stress of the design stage of your project away for you and provide you with an external colour selection schedule valued at over $500 for FREE! This offer applies to any of our new clients that enter into the planning stage with us (excludes the Smart Design Starter Package offer).



Get Your Guide Price

We will arrange for you to meet with our colour consultant during the design phase of your build to receive a FREE external colour palette with BONUS external 3D visual rendering so that you can see how your new addition can seamlessly tie into your existing home!

Already have plans?

We can still provide you with 3D external rendering and colour palette service if you are able to provide us with a copy of your digital plans – ask us how!

If existing plans are supplied to us we can also provide this service, fees will apply.

Want to know more? Give our team in the office a call on 02 4647 2324 or contact us.

*T’s and C’s apply – Offer is valid for new clients only, who are entering into the planning stage and sign a preliminary agreement with us that includes the design of architectural plans. If you have existing plans we can still provide this service although fees will apply.