When should I home or house renovate, design ?

Well I suggest just as soon as you are ready. Why the hurry to start work on home renovating ? Well close to 85% of the homes in Melbourne required for the next 25 years have already been built. Given Melbourne is such a large city with so many homes on large blocks, subdivision and retrofitting like renovating / addition will be huge!
Given the decline in government welfare support, such as the aged pension and other benefits.  Only about 10 % of Australians retire on a comfortable living standard. Only 1% percent retire onto a very good living standards. We are all supposed to have made excellent provisioning  through the Super Guarantee Levy. But this takes no account of erratic and casual wages jobs: let alone the self employed.
In the past, investors might have relied on the  sharemarket or fixed interest investments. But given the great volatility of shares and the harsh tax treatment on fixed interest incomes:Investors need both higher and more secure returns.
The expected slower growth of USA and Europe for the next ten years means many investors will be looking for high returns elsewhere.
But isn t China, India, Brazil, Russia and Asia going to rescue world growth and boost Australia ? Answer, well who knows?, but we dont have to gamble on vicarious success.
I am certainly looking to buy, renovate/ upgrade/ addition a home. One can start on your private home. If you can upgrade and revalue your home dramatically : you will have the equity profit to proceed with an investment home. Create your own deal with a good profit margin.
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