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Applying for a mortgage? Your property’s kerb appeal could make a difference. Lenders and valuers often consider how well a home is maintained when assessing its value. The good news? You don’t need a huge budget, just a few smart changes can make a difference.
What is kerb appeal?
Kerb appeal is all about how inviting your home looks from the street. Picture a potential buyer arriving for a viewing, what’s their first impression as they stand outside?
The condition of your brickwork, the tidiness of your front garden, and even the look of your front door all contribute to that initial wow factor.
Why kerb appeal matters for mortgage applications
Mortgage lenders often send a valuer to assess your property. A well-maintained exterior signals care and stability, which can support a higher valuation.
Five easy kerb appeal tips to boost property value
1. Refresh your front door
Your front door sets the tone. A fresh coat of paint in a neutral or modern shade can instantly elevate your home’s look. Upgrade door hardware for a sleek finish.
2. Tidy up the garden
First impressions count. Mow the lawn, trim hedges and add potted plants or seasonal flowers. A neat garden suggests a well-cared-for property.
3. Clean and repair pathways
Dirty or cracked paths can drag down your home’s appeal. Power-wash driveways and replace broken paving stones for a clean, safe entrance.
4. Update house numbers and lighting
Clear, stylish house numbers and outdoor lighting improve both aesthetics and security. Solar lights can be relatively affordable and eco-friendly.
5. Declutter the exterior
Remove old bins, broken furniture, and unused garden tools. A clutter-free exterior creates a sense of space and order.
Quick kerb appeal checklist
- Paint front door
- Trim garden
- Clean driveway
- Upgrade lighting
- Remove clutter
FAQs
Q: Does kerb appeal really affect mortgage approval?
Yes, valuers consider property condition when assessing value, which can influence your mortgage offer.
Q: How much should I spend on kerb appeal improvements?
Most changes cost under £150 paint, plants and cleaning supplies go a long way.
Q: Can kerb appeal help sell my home faster?
It could do as a well-presented exterior attracts buyers and may lead to quicker sales.
A great kerb appeal doesn’t just make your home more attractive to potential buyers, it can also have a positive impact on your finances. As Daniel Mumford, Managing Director at Grange Mortgage and Protection Services Limited, explains:
“A great kerb appeal not only makes your house more enticing to prospective purchasers if you’re looking to sell, but could also increase the value of your home. If you’re considering re-mortgaging, this added value could mean you have more equity and may qualify for cheaper interest rates going forward. This could equate to hundreds of pounds in savings over several years.”
For more information on the Police Mutual Fee-Free mortgage advice service, provided by Grange Mortgage & Protection Services Ltd click here.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.