Determine the right borrowing solution for your home renovations - large or small

Here's some smart solutions for home renovations

Your home is your most important investment, so are any renovations you do to it. Sometimes when you think you need a change, the best decision you can make is to stay right where you are, and add to the value of your home.

Scotiabank offers a number of financing options to choose from. The cost of your renovations can help determine which option is best for you. Begin by figuring out how much money you need and when you need it. Do you need it all up front or at stages as the job progresses?

There are several choices available depending on the size of your home renovation:o Casho Scotiabank VISAo ScotiaLine VISA* / ScotiaLine Personal Line of Credito Mortgage refinancing

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(<$5,000) ($5,000 - $20,000) (>$20,000)For small to medium range renovation jobs, a ScotiaLine VISA account is an invaluable home renovation financing tool. It provides the high limit and low rate of a line of credit, the convenience of both cheque and no-fee VISA card access, and flexible repayment options with no pre-payment penalties. Ideal for renovations -- you decide when and how much you want to borrow, and there's only one monthly statement to manage.

ScotiaLine VISA

For larger renovation projects, discuss the value of refinancing your mortgage. This solution can help you find the money for extensive renovations at veryfavourable terms.

These products are also available through the ScotiaTotal Equity Plan, a package of borrowing solutions based on the equity in your home. You can use up to 90% of your home equity to make renovations at lowinterest rates, secured by the market value of your home. And of course, as your equity grows, so does your ability to access further credit.

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ScotiaStar Network - Moving, Renovating, or Decorating?

Whether you are buying a new home or are renovating or decorating your current home, the ScotiaStar Network program can help. Simply enroll in the ScotiaStar Network program and use your Scotiabank VISA or ScotiaLine VISA card at house and home and other Partners to get automatically rewarded. Over 300 of our more than 350 Scotia Partners offer 10 times the rewards or a 10% rebate on your total purchases, including taxes (or tips), even when you buyitems on sale.

With the ScotiaStar Network, rewards add up quickly, and we keep track of them for you. They'll show up automatically on your monthly VISA statement and there are no special cards to carry, no coupons, and no hassles.Ask a Scotiabank representative in your local branch or visit www.scotiastar.com for more details and to enroll.