The cheapest way to do this is with a supplementary loan. It's basically a secondary loan to your home loan, you get home loan rates and fees, which are a lot cheaper than a personal loan or credit card, but you can have a much shorter loan term. You wouldn't want to refinance the whole loan and be paying off your holiday and light fittings over 25 years, it would cost you a bucket load of interest and any benefit you get from it (i.e. the holiday and light fittings) was used up long ago.

Traveller is right though, there's usually a minimum amount for this, and depending on your bank it could be as low as $10k.