Upgrading your home is a great way to add value and give you that new home feeling without all the hassle of a move. Rusco Industries Calgary Ltd. has become an award winning company in the category of Calgary home improvement through winning a Consumers Choice Award. Winning this award proves that they are here to meet all your exterior renovation needs. The company offers a full line of products as well as services to ensure the job is done to your satisfaction.

In business in the city since 1953, it is no surprise to their satisfied customers that Rusco Industries Calgary Ltd. has won the Consumers Choice Award for best Calgary home improvement company. While specializing in replacement windows, the company has also expanded into doors, siding and building beautiful sunrooms that can extend your living space for year round enjoyment. While style is always a big part of the products Rusco Industries Calgary Ltd. offers they are also very conscious of energy saving products as well. With a full line of energy saving windows and doors as well as siding to lower heating and cooling costs, this company really does have it all when it comes to exterior renovations. The sunrooms, which can be designed as a home office space or a beautiful retreat to enjoy the seasons, are a valuable addition to any home. With staff that can help with design, material selection and working within your budget a sunroom is a great way to upgrade your home and really expand your living space. All work on renovations completed through Rusco Industries Calgary Ltd. is planned to your satisfaction and full and accurate estimates are provided before the job begins.

As a complete consumer based award, the Consumers Choice Award is a true community based recognition for an outstanding business. Designed to allow the customers to determine the annual winner, the Consumers Choice Award is a mark of a great company to do business with. Only available in Canada and the United States the Consumers Choice Award has become a standard for businesses in each of the possible categories. In categories such as Calgary home improvement the competition is fierce, so winning this award is an accomplishment. With the Consumers Choice Award for Calgary home improvement Rusco Industries Calgary Ltd. now sets the standard for other companies to follow within the city.

Rusco Industries Calgary Ltd, voted best Calgary home improvement company, provides a wide range of exterior renovations from patios and sunroom additions through to doors, window and siding to upgrade your home. The company is located at #3 1430 40 Ave. N.E, Calgary, Alberta, T2E 6L1. They can also be reached by phone at 403-250-9951.

Home Improvements Funding
Loans designed for home improvement are a hassle free way of adding value to your home. A home improvement loan is a secured loan and is usually an extension of your existing mortgage. As the loan is secured against your property lower interest rates can be made available. Some lenders will produce a loan plan to arrange installments to reflect when the various stages of your home improvements are carried out.

Instant Decision Loans
Ideal for people that need a decision quickly and need additional finance fast.

Instant decision loans are a stress free solution when you require financial help immediately. Whether you are looking for £1,000 or £75,000 an instant quote can be provided. Not all lenders will provide instant decisions, especially if you have a bad credit history. Always enquire if you are unsure if you are eligible.

Flexible Loans
The term ‘flexible’ can be applied to a range of loan plans like secured loans, long term loans, self certification loans and negative equity loans. Flexible loans are designed to ensure monthly repayments are manageable and can be both secured and unsecured, although interest rates will vary considerably. Some flexible loan plans can offer an option of early repayment; individual agreements are made between the lender and borrower.

When trying to renovate such rooms as the kitchen or the bathroom the appliances alone take a lot of money. The work that needs to be done is usually beneath the skills that most of us have and that is why it is a good idea to finance your remodelling using a home improvement loan. These are unsecured or secured loans that have a fairly low interest rate and a short loan time.

All this means that you can expect to be paying back the full amount with interests in five to ten years maximum. Depending on the amount you need, this will usually come up with an interest rate of 5-7% which is the lowest end you can find for home improvement finance.

Since home improvement loans are so popular there is quite a lot of competition between the lenders, and you can easily haggle off one or two percent of interests.

Normally even the best home improvement loans are taken as unsecured loans, but you can also use your home equity to finance your remodelling. This means using the real market value of your house and deducting the amount that you still have a mortgage on. The amount that remains is your equity and that is the amount you can take a new loan against. Usually with home equity loans your interest rates are going to be much lower than with unsecured loans. You can be lucky and go as low as 2-3% interest.

Home Improvement Loans can provide the funding and flexibility you need to increase the value of your greatest asset, your home. If you currently own your home, either outright or with a mortgage payment, you may be able to receive a secured home owner loan.

There are two primary types of home improvement loans – secured loans and unsecured loans. Secured loans are those in which your home or property acts as collateral for the loan, whereas an unsecured loan has nothing but your credit record to back the loan. Because your property will act as a backup for the loan, there is less risk to the lender that you will repay the loan. Because of the decreased risk the lenders are able to offer much better terms, such as lower interest rates, longer repayment periods, and larger loan amounts.

If you have poor or below average credit, secured home improvement loans can still be an option unlike unsecured loans.

Because the lender has the equity in your house to back you, you are still generally able to retain a secured loan.

How to Find the Best Home Improvement Loan Rates

There are numerous lending companies that offer secured home improvement loans and there are a few tips that can lead to finding the best loan. The number one thing you can do to find the best rate is be sure to compare rates from as many companies as possible. Most of this can be done online, but there are still two ways to go about this.

One way, is to go to the websites of each of the major lenders and fill out an application. The only downside to this is that the process can be very time consuming. You are required to fill out a detailed application on each lender’s site over and over again.

Each company will then get back to you with several quotes for different terms so you will be contacted over and over again by lenders.

On the other hand, there is a much easier alternative that few know about. You can use what is called a loan broker. A loan broker works with all the top lenders and provides the same quotes that you would receive from them individually. They will search through hundreds of different lenders and loan products to find you the best loan. Here’s the best part, you only need to enter you information once and only one company will contact you with the results. The amount of time and hassle saved is immeasurable.

So what do these loan brokers cost. Well, most cost absolutely nothing. A good service will be 100% free because they receive their earnings from the lenders not you. Also, be sure that the loan broker you use offers no obligation quotes so that you are not locked in to using them.

Home improvement can be a fun and exciting process, if you can find the funding to carry it out. It’s worth the time doing your research to find the best loan at the best rate. Doing so can save you thousands over the life of the loan.

“Home improvements, their costs and their resultant profits are not a precise science. For this reason, it’s hard to specifically quantify what works and what doesn’t. For example, laminate flooring has undergone a popularity nosedive due to the market being flooded by so many photographic plastic options.”

McAllister continues with:

“Their cheapness has created a stigma – and even expensive options have become tarred with the same brush. When replacement costs start ticking away in buyers’ heads you don’t need to be Carol Vorderman to understand that offers will be reduced.”

DIY projects that increase the value of a home

To raise the value of a house, you need to carry out DIY home improvement projects that will definitely withstand the test of time.

For example, if you do have laminate flooring you can install vintage wooden doors.

To install wooden doors, you would need a screwdriver, a pair of thick gloves, 4-inch door-frame screws and a hammer. To remove the door from the frame, simply unscrew the hinges from the door frame.

Get that old door off

Once the hinges come off, slowly ease the door from frame itself, taking care not to damage the edges. You would want to of course, preserve the old door for use later on. Home values go up when front doors are beautiful- so choose the replacement door properly.

Another interesting DIY home improvement project that can raise the value of your home is replacing worn out bathroom tiles.

If the tiles are more than a decade old and you plan on selling within the next few months, now would be the opportune time to replace the tiles.

Replacing worn out tiles

The replacement of worn out bathroom tiles is a bit more difficult than the first project, Of course, the tiles in the bathroom can no longer be recovered completely intact, so make sure you can dispose of the broken tiles immediately afterward.

Designer tiles can be put in place of the old ones. Designer tiles employ a variety of new colors and textures that will naturally emphasize the dimensions of the bathroom.

For this project you would need a few sacks for tile disposal, a large chisel or a crow bar and a mallet or an equivalent. If possible, work the tiles when they are wet as this reduces friction and lessens dust clouds during working. Drive the crowbar against the underside of the tiles and slowly work around the tiles.

Ease the tiles off the floor, making sure that none are left behind. Smooth white cement may be used to install the new designer tiles after the bathroom floor has been re-leveled.

Justin Ray, an interior designer for the TV show How Not to Decorate warns people:

“A bad DIY project will always detract from the resale value. Anything that looks unprofessional, such as a badly-fitted kitchen or uneven plastering, will get buyers wondering.”