Planning to have a baby? Should you be extending?

Planning to have a baby? Should you be extending?

author: Sarah Symons

By Sarah Symons


If you’re planning your first, second, third (we could keep going) child, and are worried that you don’t have enough space in your home to cope with another baby, you are not alone.

Many parents-to-be around the UK are facing the same predicament.

You may be wondering whether now might be the time to move to a bigger house with an extra bedroom, but if you love your current home, this might not seem ideal. You might also have to pay a premium to gain an extra bedroom in your area, so it may work out cheaper to repurpose a room you hardly ever use, convert your garage or build an extension.

As well as giving your family more space to grow, giving yourself an extra bedroom could increase the value of your home, which may be of benefit long term should you choose to sell.

Repurposing a room

Recent research by Nationwide* has shown that repurposing a room and turning it into a bedroom can, on average, add just over 4% to the value of a home when changing a 2 bed to a 3 bed. Changing a 3 bed to a 4 bed has less of an impact, but still increases the value by 2.5%.

If you have a study or dining room you rarely use then changing it into a bedroom could be a good solution and cost very little. Many parents admit that they wouldn’t feel comfortable having a small child sleeping on a different level but wouldn’t have an issue with an older child/teenager doing so. Maybe repurposing a room is something you could consider?

Even a tiny room could be transformed into a baby’s room as long as it can fit a cot – you could always store the baby’s clothes in your wardrobes if there’s no room for storage.

The Ocean credit card could help you to afford changes to your home providing you make at least the minimum repayment.

Converting or extending

If you use all your rooms, or space is already at a premium in your home, you may wish to consider converting your garage or loft, or adding an extension in order to create an extra bedroom.

According to Nationwide, adding a bedroom in this way can on average increase the value of a 2 bed home changing to a 3 bed by almost 11%. Converting a 3 bed to a 4 bed increases the value on average by 9%.

When you are working out whether to go for this type of home improvement you need to think about how much it will cost to add the bedroom. On average a loft conversion costs between £20,000 and £30,000.** How will you fund it? Will you use savings, credit cards or a loan?

You may wish to consider whether you’d get the money back if you sold in the future, knowing the ceiling price of houses on your street might help you do this. If you are in your “forever home” you may not be majorly concerned about this.

Apply for a Mortgage

Top tip:

If you are extending over a garage you may wish to consider converting the garage too, as that could give you additional living space downstairs for a playroom or family living room. You will need to speak to an expert to see if this is viable.

If you are considering this type of home improvement, it could be wise to speak to a few experienced builders in your local area to get an idea of the cost and timescales involved. You may also benefit from walking around your local area and noting homes which have had conversions/extensions. You could then approach the owners and ask for advice or any recommendations. 



Disclaimer: All information and links are correct at the time of publishing.

author: Sarah Symons

By Sarah Symons

Planning to have a baby? Should you be extending? Planning to have a baby? Should you be extending?