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Raising Money For Home Improvements

There are number of finance options available that can help you raise money for home improvements. Personal loans, homeowner loans or

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There are number of finance options available that can help you raise money for home improvements. Personal loans, homeowner loans or remortgaging, are all ways people can use to fund your major project like a kitchen make-over, a garage or that loft conversion that has to be done before the baby arrives.

Loft Conversion

Adding a loft conversion can be an excellent way of adding some extra room to your property, this is a particular popular way of extending your property in city locations where spzce is at a premium. When converting your loft there are a number of costs, the first stage is to get approved for planning permision,in October 2011 the goverment changed out regulations that made getting permision for both loft conversions and extensions easier saving people up to 1,000 in costs, it is impportant to research this properly as if you do need permission this could result in higher cost or even making you remove your loft conversion. The building costs of adding a loft conversion can varry greatly depending on location, size and existing condition of your loft, typically cost begin at 20,000 and goes up to 40,000 it is important to get quotes from a number of reputable builders and get a detailed specification to ensure no hidden costs.

Landscape Gardening

Your garden is an extension of your property and if you are lucky enough to have a decent sized garden then having it look attractive can really make the summer much more enjoyable, if you have the time then you are able to save lots of money by doing it yourself, saving you the cost of labour as you will only need to by plants, garden features and possibly pay for rental of machinery. Alternativly if you havn`t got the time or the green fingures there are trained proffesionals offering landscape gardening with costs of ranging depending on the amount of work required, the size of garden and the amount of garden features you are wanting to add to your garden, for a very good job totally remodelling your garden costs can vary from 2,000 up to 10,000 it is important to get quotes from various landscape gardeners and set down the requirements in detail.

Conservatory

A conservatory can add a doorway to your garden allowing you to sit and view your garden even when it is cold and wet, adding a conservatory can help add value to your property, the cost of a conservatory ranges from 15,000 up to 35,000 depending on size etc, many conservatory companies do offer finance but it may be worth arranging a loan independitly as you may receive a lower rate.

Remortgaging to finance Home Improvements Project

Using your mortgage to raise money is a common action performed to raise money and release equity from your home, things to consider are you need a certain amount of equity in your home and the amount you are able to borrow will depend on your loan to value, please visit our LTV calculator to see what you loan to value is on your current property. Another thing to consider is your current mortgages terms and conditions, if your mortgage has early repayment costs or other penalties this may affect the cost effectivness of remortgaging, an alternative to remortgaging is a secured loan (second mortgage) whitch also allows you to arrange a larger amount.

Secured Loans

Used to raise larger amounts you can raise from 5,000 up to 100,000 using a secured loan, this allows you to release equity from your home without altering your current mortgage, for more information on secured loans visit our secured homeowner loans page that contains detailed information on secured loans.

Personal Loans

Ideal for your smaller home improvement projects unsecured personal loans are used to raise smaller amounts, usually between 1,000 up to 15,000, personal loans have a much easier application process allowing you to get approved and given your money much faster than a secured loan. Please visit the personal loans section for more information on the different the personal loan providers.