When you need a home office, a workout space, or a quiet place to relax, a garden room can give you just that. But building one isn’t cheap.
That’s where garden room financing comes in. Instead of paying everything up-front, you can spread the cost through manageable monthly instalments.
Several issues may arise during planning or construction that professional contractors can address or prevent. Some common issues are:
The cost of a garden room depends on the size, materials used, and the features you choose:
Here are some of the most common ways to finance your garden room in the UK:
Personal loans are unsecured loans that let you borrow a fixed amount and repay it over time.
A secured loan may offer lower interest rates. But be careful, if you miss payments, your home could be at risk, as a secured loan gives the lender the right to repossess your home following continued non-payment.
Some garden room contractors partner with lenders and may offer promotions, like a 0% introductory rate.
Note: Credit is subject to status, and lenders will carry out an affordability assessment to check your eligibility for a loan.
Financing a garden room comes with some real advantages:
There’s no need to wait until you’ve saved enough. Financing lets you get started now.
Paying in instalments helps you manage your monthly budget more effectively.
Those financing the project may be more likely to add extras like bifold doors, better insulation, or even a built-in bathroom.
A high-quality garden room adds usable square metres, and that can appeal to buyers down the line.
Many use personal loans, secured loans, or financing plans offered by garden room contractors. Compare rates and terms to find what fits your budget.
While financing may be available, approval is not guaranteed. To find out if you qualify, you will need to apply with a financial institution.
You may save on labour by building the garden room yourself, but you’ll need tools, supplies, time, and know-how.
If your garden room is under 2.5 metres tall and doesn’t take up more than 50% of your garden space, you can usually build it without planning permission, assuming it’s not being used as a main living space.
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