Should You Pick A Contractor or Interior Designer For Your Home Renovation In Singapore?

When you begin your home renovation journey the choice can be. overwhelming. At this stage, you don’t know what you don’t know. This guide is intended to help you on your journey and whether an Interior Designer (ID) or a Contractor best fits your needs, budget and can bring your vision to life. There are many elements that drive up or down the cost of renovation, hiring the right skills for your vision, is critical to ensure that you don’t go over your budget.

Home renovation is not cheap.

Let’s be clear, renovating your home is a time-intensive and costly undertaking. According to renovation portal Qanvast, the average 4-room HDB BTO flat renovation is estimated to cost about $43,000 to $45,000 in 2020. Making over a resale flat is more extensive (and therefore expensive), and is expected to cost $45,000 to $52,000.

Here is where things get interesting. The typical Singaporean makes around $4,563 a month. After CPF, this comes to about $3,650. Assuming you save 20% of this (an average savings amount), you would stash away $730 a month. Let’s further assume that your significant other does the same so you are putting away almost $1500 dollars a month towards your renovation.

Breaking this down, if the average 4-room HDB BTO flat renovation is estimated to be $43,000, you would need to save for a whopping 28.6 months or put it another way over 2 years (2 years and 4 months to be exact). And this is if you come in on the average side of the estimates, you never know when your renovation costs will be higher due to unforeseen circumstances.

Some people believe that hiring contractors rather than an ID will save them some money when doing the renovation. Let’s investigate further.

Interior Designer or Contractor, what’s the difference?

Simply put, when we say Interior Designer in Singapore it is someone who coordinates and manages your renovation project. They conceptualise design ideas specific to your lifestyle, oversee the entire project (including sourcing for and liaising with contractors), and go furniture and material shopping with you to ensure a harmonious theme throughout the house.

A contractor, by contrast, is only responsible for executing the renovation work you request (e.g. demolishing, hacking, tiling). They do not offer design advice – and typically only give their input or advice in on matters relating to the structural integrity of your home.

Depending on your requirements and. what you want them to. do, your contractor may need to outsource the work to subcontractors (e.g. electricians, plumbers, and painters). Bear in mind you will typically l need to liaise with these subcontractors also.

There is no one size fits all approach.

First things first, not every homeowner is suitable to go down the DIY Contractor route. Whilst it can save money to hire Contractors, Interior Designers bring a lot of benefits to a project, so don’t dismiss this out of hand. There are no hard and fast rules, you need to do what makes the most sense for your project. Having said that, there are some tips on how to find the right Interior Designer that may help you to narrow down your options.

If you prioritise design and convenience, consider an interior designer.

If your priorities are design and service, then you would be better off considering using an Interior Designer, commonly referred to as an ID. Typically Interior Designers provide a design plan before any works start. These can include floor plans and 3D rendering. This makes. it easier for you to visualise the finished state of your home. It also means that you can make. changes whilst the design is still on paper (as it were) rather than being midway through the project and deciding to move a feature wall.

Interior Designers also take on the task of liaising with Contractors and any Subcontractors. This saves you time and also the hassle of overseeing every Contractor. The other major advantage of an ID is that they know the sequence or order that the works come in handing over this project and timeline management can be a relief for homeowners to save their own time and stress levels. You will of course need to pay more for the services of an Interior Designer, however, one question to ask yourself, would the money saved by not engaging an interior designer to be worth my own time saved?

The good news is that not all Interior Design firms charge the same, some will work on a percentage basis, some will work on a per hour basis and some will charge a flat fee. Its up to you, as the homeowner, to work out how much of your budget you can spend to engage with an Interior Design firm. There are always certain qualities that you should prioritise when looking for your Interior Designers such as reliability, experience and dedication.

If you prioritise cost savings and know what you want, consider hiring Contractors.

Have you sat down and looked at your budget and can’t justify any additional expenditure on Interior Design? Or perhaps you already know what your vision is and how you want your home to function and look like?

Outsourcing to Contractors is an option to consider. Contractors, in general, don’t offer additional services such as 3D rendering which allows you to visualise the end product, however, more and more are offering this to compete with ID”s and win over homeowners. There are also multiple apps and websites available now FOR EXAMPLE which will allow you as a homeowner to plan out your space, add your furniture and even change the textiles with the plan so you can visualise what your home will look like like when completed.

Going without an Interior Designer may seem daunting, however, if you know what you already want, then hiring Contractors to execute can be a great option. One consideration to keep in mind is that coordinating Contractors and Subcontractors can take. up a lot of your time. You may need to visit the site more often or have to spend time. coordinating between Contractors.

So what to choose?

In the end, only you can make that decision. There are pros and cons to both approaches. The budget will factor heavily but also, whether you want to undertake the project yourself. Be mindful that no matter which approach you take, project costs can creep up, unforeseen circumstances will happen and ultimately what you have in your mind or on paper, may not be the same as the finished product.

It is ultimately not “just a BTO, resale flat or condo”, this is your home and your money.

What you need to do before getting your BTO keys.

Waiting for your BTO keys? Imagining the view from your new home is just one thing to do whilst waiting

Your BTO timeline and checklist.

You have gone through all the stress of choosing your BTO, what type of flat, what location you want, how many rooms, layout, financing and now all you have to do is wait to get your keys right? 

Well not quite. One of the common questions asked by BTO owners is when they should start to engage with potential Interior Designers or Contractors, what are the renovation process and the timeline they need to follow? Fret not, we are here to help. 

As soon as you decide on your BTO. 

Think you don't need to do anything once you have gone through the purchasing process? We would suggest otherwise. Now is the best time for you to start researching, this is one common area where homeowners wish they had spent more time.

Design and Style.

Let’s face it, this is your home, you are investing a large amount of your hard-earned cash into it. You want it to be uniquely yours, work for your family’s needs and also be able to accommodate if your family grows in the future. The options available to you in terms of style and design are seemingly endless. Should you keep that wall or knock it and create an open plan living/ kitchen space? Is your dream to have a walk-in wardrobe but you're not sure if it's practical? 

By this point, you should have your floor plan and dimensions, this is the best time to start researching. Whether you use an online platform like Pinterest to gather together some of your favourite styles or prefer to read magazines and keep pages for inspiration, you should prioritise this time to do your research. Too often, people assume that their interior designer will do all the heavy lifting and present to them a design immediately that works for them. That is rarely the case. 

Start to pull together images of what you like. You can sort these by room such as master bedroom, home office, kitchen, dining space etc. You could also sort these by themes such as Industrial, Scandinavian, Art Deco, Bohemian etc. 

Pinterest Boards are a great way to save images that inspire you

Whilst this process can seem daunting at first, you should start to see patterns emerge by what you are drawn to. You may start and really focus on Scandinavian style but as you research further, you may realise that that style doesn't work for what functionality you want your space to have.

Let’s not forget about your partner in this process, as you go through this process you will realise that there are things that you are simply not on the same page about. You may want a decadent escape from the world master bathroom, whereas your partner prefers a more minimalist approach. 

Budgeting.

So how large should your BTO renovation budget actually be? Well, that depends on how much you have to hand in and what your overall vision is. For new 4-room flats, renovation costs now range from $43,000 - $45,000 as compared to an average price of $42,600 in 2019. Meanwhile, the cost of renovating a new 5-room flat now starts from $45,000. This should give you a guide on where to start. With the effects of the pandemic, renovation costs can continue to rise so now is the right time to ensure that you are saving enough to complete your renovation when the time comes.

Keep in mind that even if you decide to do the minimum before you move into your BTo, you’ll need to install lights, paint the walls, do your flooring, toilets, kitchen and window grilles/blinds/curtains. On top of this, you will need to purchase furniture, appliances and other necessities for your home. Still, sounds like a lot? The silver lining is that for BTO’s, they are cheaper to renovate than resale HDB as there is less hacking. 

Financing.

There are many options to finance your BTO renovation, pick the one or combination that works for you

Most people finance these huge renovation packages with a renovation loan which is sometimes called a reno loan for short. A reno loan is different to a personal loan, the interest rates tend to be somewhat lower. As the name suggests, is a loan facility available solely to refresh your home, be it for new furniture or fixtures, fresh lighting, a major remodelling or perhaps even extensive repairs. All of this costs money – and sometimes, a lot of it! You should note that renovation loads are capped at $30,000, or 6 months of your income (whichever is lower). You can also consider a personal loan to finance your renovation, allowing you to borrow a larger amount. 

Another option is to start saving now. This can reduce the amount of the loan that you need to take out or allow you to do more. 

3-4 months before collecting your keys.

Shortlisting. 

Meeting potential partners will narrow down who you work with

By this stage, if you have been doing your homework, you should have a better idea of what you actually need in your home and what are the additional wants for your home. It's important to distinguish between what is a Need and what is a Want. This will differ for each home. For some, having a large functional kitchen that can accommodate a lot of heavy cooking is a need. It is non-negotiable and necessary. For others having a bathtub in the master bathroom is nice to have, it would be great if it could work within the space and budget, therefore making this a want. 

Now is the time to start to meet with potential Interior Designers, commonly called ID’s or Contractors. There are many differences and pros and cons when deciding between an Interior Designer or a Contractor so do your research carefully.

Meeting potential ID’s or Contractors.

Use this time to meet up with those IDs and/ or Contractors on your shortlist. Have your questions ready, be prepared for these meetings. This will make it far more productive for you. 

1 -2 months before collecting your keys. 
Selecting your ID or Contractor.

You should now be in the position of being able to sign on the dotted line with your ID or Contractor(s). This is now the time to focus on confirming the design details, payment terms and renovation timelines. 

Keys collection day.

The big day is finally here, you can relax, right? Sadly not, this is just another step (albeit a really happy one) on a long journey. 

Check for Defects.

When you go to the site, make sure to bring along the defects list provided by HDB and a lock to secure your home. If you have an ID or a Contractor, it's worth inviting them to come along with you to help you to check everything and also they can take measurements. 

Spend time going through your home and note any defects or issues. Make sure that there are no hollow tiles by tapping on them using a coin. Check that electrical sockets are working properly (you can plug in your phone charger). Use a spirit level to check that all windows and doors are aligned correctly. It's also a great idea to take photographs on your phone to document any issues you may have.