Loft Conversions

 by Bigger Homes

Rising Cost of Moving House — Why it’s Better to Extend Your Home

 

An unfortunate fact of life in the UK is that it’s getting more and more expensive to move house every year. From taxes and duties to the simple logistics of getting all your belongings from one place to another, there are plenty of hidden fees to trip you up if you’re not careful. Here is a partial list of things to look out for…

 

Stamp duty

 

Assuming you’re not a first time buyer, you’ll be paying a percentage in stamp duty on your new home, starting at a value of £125,000 in England, Wales and Northern Ireland, or £145,000 if you’re in Scotland.

 

Valuation fee

 

This is charged by a mortgage broker before they assess how much they can lend you, and it can be anything up to £1,500, depending on the value of your property.

Legal fees

 

There’s a lot of paperwork involved in moving home, and you’ll need the services of a solicitor to ensure everything is in order. This can run you up to a maximum of £1,500.

 

Mortgage arrangement fee

 

This is a common charge in the process of getting your mortgage sorted. Expect to pay around £1,000 for the privilege, and if you’re unlucky, maybe even £2,000.

Land registry fee

 

In order to update the Government Land Registry and solidify your status as the new legal owner of your property, you’ll need to get this sorted. It can cost up to £1,000, depending on the value of your property.

 

Insurance

 

It’s important to get everything insured in case the worst should happen, but this will run you up a significant bill.

Estate agency fees

 

Selling one place to move into another? Well, you’ll be paying commission to your estate agent, potentially to the tune of more than £2,000.

 

New phone line/broadband

 

Got internet in the new place? Costs of installing a new line can go up to £75 or so.

Moving paraphernalia

 

You’ll be surprised how many things you realise you don’t have once you start the process of moving. Boxes? Bubble wrap? ‘Fragile’-marked sticky tape? It does add up! Then you’ve got to make sure you’ve got a way to transport it all, whether you’re driving it yourself or paying someone else to do it.

 

Maintenance and repairs

 

Unless your new home is brand-new, right off the shelf, then it’s an unfortunate fact that you’re likely going to have to do a little maintenance on it. Possibly more than you think — it’s estimated that the average repair bill for new homeowners is around £5,750!

 

VAT

 

Yeah… more bad news, we’re afraid. Lots of these costs are also going to have VAT slapped on top of them, at 20% of the cost.

 

If all this has got you a little alarmed, don’t panic. Moving home isn’t always the best solution, and if you’re finding the whole idea a little bit daunting, it may be best to explore other options. Are you planning on moving because you need more space, or you don’t like the look of your current home? Well, you can fix that without having to leave! Extending your home is a great way not only to improve its value, but also to make it a more pleasant place to live, spend time and make memories with your family. Give us a call today, and see what we can do to help keep you in your home and save you a thick bundle of cash.

 

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 by Bigger Homes

Why the trend of extensions and loft conversions is BOOMING in Essex and Hertfordshire

Extending living spaces. Adding new rooms. Converting cramped old lofts into wonderful, sunlit attic rooms. There’s no doubt about it – the trend of extensions and of conversions is booming in Essex and Hertfordshire. More and more people are getting planning permission to turn their home into the dream space they always wanted — but why is this? Let’s take a look.

Moving house is getting more expensive

 

There are dozens of unexpected hidden costs involved in moving house that are just waiting to leap up and bite you. From legal fees to mortgage broker fees to the simple cost of getting all your possessions boxed up and in a van, moving house is a virtual minefield of ways to unexpectedly empty your wallet. And this is without even going into the uncertainty of the housing market and how changeable it can be. Many people believe home extensions are expensive but compared to the cost of moving house they’re a much smarter investment. We explain all in our blog 12 Myths About Property conversions

 

Finding the time

 

We’re all busier and busier these days, and moving home is a time-consuming activity before you’ve even found a house that you want to live in. With this in mind, it’s not hard to see why many people are opting to take on the comparatively easier task of remaking their current home rather than finding a new one.

 

Boost the home’s value

 

Even for those who have their heart set on moving, it still makes sense to extend. Home improvements and extensions are time-honoured way of increasing your house’s value, and if you’re nervous about putting it on the market, making it into a nicer place can assuage your fears. Be careful though — you might end up liking the new, improved home so much that you end up wanting to stay put!

 

Home improvements are getting more creative

 

Architects and designers have been coming into their own with home improvements in recent years, and there have been some amazingly inspiring projects that have completely transformed the clients’ homes. No more are builders simply sticking a boxy extra room onto a Victorian-style cottage — now you can dream up glass kitchen/diner rooms, chic loft-based living spaces, glazed walkways to connect outbuildings and more, and talented builders can make them happen! There’s never been a better time for home improvement creativity. Read our blog on 7 Smartest Ways to Spend Your Money as a Homeowner For some fresh ideas! 

We love our area… and our homes!

 

And there’s no shame in that. People grow to like where they live — they find friends, hobbies, and good schools for the kids. Uprooting your entire life to move a few miles down the road feels like a needless chore, and yet you can’t imagine living anywhere further than a few miles down the road.

 

What’s the solution? Extend, extend, extend! Bring the dream home to you and turn your existing property into the happy home you’ve always wanted. Not sure where to start? Give us a call today and tell us about your ideas — we’re betting we can turn them into reality.

 

 

 

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House
 by Bigger Homes

What planning permission do I need for a loft conversion?

So you’re thinking of having a loft conversion – great idea! Loft conversions are a great way of gaining well needed extra space without having to build an property extension. At first the amount of work may seem daunting, especially if you have never overseen a project like this before – that’s were we come in! A Bigger Home is here to do all the hard work for you. We do everything from design, planning and building control, right through to construction and completion. All you will have to concentrate on is the finishing touches to your new living space. First, lets take a few steps back and start at the beginning – planning permission. The first thing you should be thinking about, but do you even need planning permission? Well, Loft conversions are classed as permitted development and do not require planning permission, providing they meet the following conditions

 

  • Any new roofing must not exceed an additional 40 cubic metres of space on terraced houses.

 

  • Any new roofing must not exceed an additional 50 cubic metres of space on detached and semi-detached houses.

 

  • No extension must be made beyond the plane of the existing roof slope.

 

  •  No extension can be higher than the highest part of the roof.

 

  •  New roofing materials need to be like-for-like or close to original fittings.

 

  •  There must be no raised platforms or balconies.

 

  •  Side-facing windows must be set with obscured glazing and an opening 1.7-metres above the floor.

 

For listed buildings or those in conservation areas, visit planningportal.gov.uk

 

Sound interesting? Get in touch today.

 

 

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Bedroom
 by Bigger Homes

How to Solve the Biggest Problems with Loft Conversions

Loft conversions are a hugely popular type of home improvement, however there are many common issues that prospective converters can run into. Here is our guide to a few of the most common and how to solve them…

 

  1. Is the ceiling too low?

 

If you want to convert your loft full of cardboard boxes into a liveable, usable space, you’ll need to take a look at the ceiling height. This can vary dramatically from loft to loft, but as a guide, the minimum height that’s generally accepted as suitable for conversion is 2.3m. If your loft isn’t this high, then don’t worry! There are plenty of fixes, including lowering the ceiling of the room below, or removing and remodelling sections of the roof to create space. This latter solution does require planning permission, which leads us to…

 

 

  1. Do I need planning permission?

 

As you might expect, whether you need planning permission depends on what exactly your plans are. Likely, you won’t, however, if you are planning alterations to the roof then you may. Additions of up to 40 cubic metres roof space on a terraced house or 50 cubic metres on a detached house do not require permission, so unless your conversion is a majorly expansive project, you should be fine. Finalise your plans with your architect and go over all regulations before you start building.

 

 

  1. Have I thought about stair access?

 

It’s all well and good planning an elaborate new playroom for the loft, but not if you don’t think about how you and your family are actually going to get up there! It’s critical to plan with the lower floors in mind, and have a concrete idea of where the access stairs for your new conversion are going to go. This is something your building firm can help you with in the planning stages.

 

 

  1. Will there be enough natural light?

 

You want your loft conversion to be a space that’s enjoyable to be in at all times, and nothing makes a space feel cramped and unwelcoming like a lack of natural light. A rear dormer conversion is the best idea, as it generally doesn’t require planning permission, and it can transform your loft from a dark, unused room to the brightest in the house!

 

 

 

  1. Have I considered building regulations?

 

This is why it’s so critical to trust a reputable firm with your loft conversion. There are many regulations to bear in mind when you’re planning a loft conversion — accessibility of fire exits, thermal efficiency, the ceiling joists below, and more. You need to be sure that your building firm understands these regulations and can make sure your loft conversion abides by them.

 

 

 

Want to avoid these problems? Put your loft conversion in the hands of the professionals. Give us a call today and let us know what we can do for you!

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