To Alter or not to Alter?
June 26, 2011
To alter or not to alter, that is the question. Turn on the television or the radio and we are constantly reminded that the economy is in recession and we can expect or prolonged period of downturn. For mere mortals like myself, I cannot question this nor do I really wish to do so. Whilst the economy may be in a state of flux, the pressures of family and work life remain the same. For many of us, the economic downturn will impact on both work and family lives. Small businesses for example are beginning to shun rented accommodation in favour of setting up office at home. Families grow up or indeed children are returning to the nest- all of which puts pressure on the home.
With the housing market stagnant and pressure for additional living space growing, we are all beginning to seriously focus on the opportunities that our present home can offer. As history has shown, improving our homes will not only add to our quality of life, it will add value to the house and ultimately, make it easier to sell.
We all have our ideas as to how best to improve our property be it through decoration or alteration. If you do decide to go down the alteration route, I would strongly suggest you begin by exploring all the options available to you before you fully commit to one particular proposal. For example, on practicality grounds, your proposal may simply not work or indeed be too costly requiring additional steel work or radical alterations to your roof structure. Therefore, before you get your heart and mind firmly set on any scheme, I would strongly recommend you discuss your proposal with an architect or designer. After all, it is their job to come up with imaginative solutions and in doing so, provide you with an estimate as to the anticipated costs of any proposal. Whatever you decide to do, if you fund your alteration work by borrowing more – either by way of a loan or remortgaging, please ensure that you can comfortably afford the repayments in the event that interest rates do rise.
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