Create A Backyard Paradise With Landscaping!

With people spending more time than ever at home, it’s no surprise that home makeovers are a hot topic! And what better way to enhance your home than with new landscaping? Royal Credit Union is here to help finance your landscaping makeover!

Landscaping Pays Off Now And In The Future

Redoing your yard can be a lot of work, but you’ll get to enjoy the changes you make for years. And if you’re thinking of selling your home soon, a great-looking outdoor space could offer a big return on your investment. Besides potentially boosting your home’s appraised value, landscaping can add major curb appeal. Landscaping and garden spaces are some of the first things people notice during a home showing. Well-kept landscaping also gives potential buyers confidence that you’ve taken good care of your home.

Our Top Landscaping Ideas - These trending landscape ideas are our favorites… for now!

 

Day-To-Night: Patio With Seating And Fire Bowl

Is the patio the perfect anytime space? We think so! Comfy seating options are a patio must-have. Add in a fire bowl and you’ll look for any reason to spend an evening outside. There’s a reason that patios and fire pits have been favorite landscaping features for decades!

 

Traditional: Stone Landscaping Edging And Plant Beds

Put the finishing touches on any property with planter beds and classic stone edging. Creating a balanced palette of plants that will bloom through the season is easy, even for a DIYer, but trust a pro to make your landscaping pop with beautifully coordinated colors and textures

Photo of rocks and plants.

Garden Getaway: Landscaping To Prioritize Your Privacy

The perfect backyard escape is an enchanting landscape upgrade! These inviting gardens give you a place to unwind solo or enjoy together time. Most importantly, they create a natural border that separates your space from the world – keeping stress out and the good vibes in.

Photo of landscaping

 

Landscaping Loans And Financing

When it comes to turning your backyard dreams into reality, the expenses can add up fast. Royal Credit Union has a variety of landscaping loan and financing choices available. These options let you break big landscaping expenses into monthly payments. You can also spread landscaping costs over a long period of time at a low interest rate. That way, you can enjoy all the benefits of your new landscaping while keeping your budget on track.

One of the best landscape financing options is a home equity line of credit or HELOC. HELOCs let you borrow against the equity in your home. Your equity is the difference between what your house is worth and how much you owe on your mortgage. Because it’s a line of credit, you can borrow from a HELOC in small amounts as you complete your landscaping work. This means you’ll pay interest only on the amount you borrow. You can also make interest-only HELOC payments during the draw period and spread the total expense over several years during the repayment period. A home equity line of credit an attractive choice for large landscaping expenses. Get started with a HELOC today.

If you have a smaller backyard project in mind, another good landscape financing option is a low-interest credit card like the Royal Credit Union Platinum Rewards Visa®. Credit card rates likely won’t be quite as low as a HELOC, but a credit card isn’t tied to your home. Like a HELOC, credit cards offer flexible financing to do landscaping projects little by little or all at once. You do get some extra perks compared to a HELOC, too – Royal’s credit card offers no-fee balance transfers from other credit cards and rewards points that can be redeemed for statement credits or gift cards. Get started with the Royal credit card today.

There are other ways to finance landscaping, like a cash-out refinance or a personal loan, but these options don’t offer the same flexibility as a HELOC or credit card. Remember that our financing experts are always happy to discuss your options. We can lay out the pros and cons of a loan or line of credit for you and give advice for your specific situation or landscaping project. Connect with our mortgage team today.