Add value to your home, without planning permission

For many homeowners, a property isn’t just a place to live - it’s one of your most valuable assets. And when it comes to building wealth through property, the right improvements can do far more than enhance comfort or curb appeal - they can make a real difference to your home’s market value.

But not every upgrade offers the same return and understanding what you can (and can’t) do without planning permission can be tricky. That’s why we’ve teamed up with our partners at Pure Property Finance to explore the home improvements most likely to deliver a strong return under permitted development rights.

Whether you’re looking to sell or simply future-proof your investment, this guide outlines five high-impact home improvements that could add real value - without the need to apply for planning permission.

What are permitted development rights?

Permitted development rights allow you to carry out certain types of work without needing to submit a planning application. They stem from a general planning permission granted by the government, provided your project meets specific limits and conditions.

These requirements vary depending on the nature of the development and usually define how and where work can be carried out. Some larger projects - such as significant extensions - may still require a prior approval application, which lets your local authority review the proposal without the complexity or cost of a full planning process.

Before starting any work, it’s always best to check that your plans comply. That’s where our Planning Guidance Service can help. Our team of expert planners can offer tailored advice and support to help you move forward with confidence.

So, what are the top five value-adding improvements suggested by our finance partners at Pure?

1. Extend to add square footage 

According to Pure, extra space is consistently one of the top drivers of property value. Increasing your home’s footprint can add tens - and in some cases hundreds - of thousands of pounds to its worth, particularly in high-demand areas.

Some extension projects can be carried out under permitted development rights, while others will require a planning application.

For example:

• Double-storey rear extensions and single-storey side extensions usually fall under permitted development.

• Double-storey side extensions and wraparound extensions will require planning permission.

Finance insight: 
Funding larger extensions can be achieved through second charge loans, remortgaging, or development finance for more complex projects. Many homeowners also use bridging loans to fund works before refinancing post-completion, when the new value has been realised. 

‍2. Convert existing space 

Loft, garage, and basement conversions often yield high returns because they add usable space without major structural change. A well-designed loft conversion can add up to 20% to your home’s value, especially if it includes an en-suite bedroom. 

Finance insight: 
Because these improvements are often cheaper than extensions but still add significant value, they’re a popular choice for equity release-based lending, ideal if you’ve owned your home for several years and want to unlock value without selling. 

3. Upgrade the kitchen and bathrooms 

Buyers and valuers look closely at kitchens and bathrooms. Modern, well-planned upgrades can transform the appeal and functionality of your home, and while they may not add square footage, they can push your home into a higher price bracket. 

Finance Insight: 
If you're planning multiple upgrades at once, bundling the cost into a single home improvement loan or secured loan can help you spread the investment, often with better terms than using savings or credit cards. 

4. Enhance energy efficiency 

Green upgrades are no longer just good practice, they’re increasingly expected. Improving insulation, replacing windows, installing a heat pump, or adding solar panels can raise your EPC rating and appeal to eco-conscious buyers. 

Finance insight: 
Pure help homeowners access funding tailored for sustainability improvements, some of which come with preferential rates. These upgrades can also support future remortgaging by improving lender perception of long-term affordability and value. 

5. Boost kerb appeal and outdoor space 

First impressions matter. Landscaping the garden, upgrading the driveway, or adding outdoor living features (like a garden room or patio) can tip the balance for buyers - and often come with lower upfront costs compared to internal works. 

Finance insight: 
Outdoor upgrades are ideal for shorter-term or smaller finance packages, particularly when timed with other improvement works. Pure often structure these as part of a broader project finance plan to make budgeting more efficient. 

Final thought: don’t just plan for value, plan your finance too 

The right improvements can deliver excellent returns for when you do come to sell, but only when managed properly. Aside from planning, one of the most overlooked parts of any project is how it’s funded, and it can make a real difference to both short-term cashflow and long-term gain. 

Whether you're renovating to sell, extend, or simply improve your home life, Pure are here to help you choose the right finance solution to suit your goals. 

Explore your funding options with a broker who understands property, and how to make it work harder for you – visit Pure.

Want to know whether your project needs planning permission or what specific rules apply? Our Planning Guidance Service provides quick, tailored advice for your project.