This article was published on Thu 30 Jul 2020. At the time of publishing, this article was true and accurate, however, over time this may have changed. If you have any concerns about this please contact us

Want to improve rather than move?

Thu 30 Jul 2020

Here are some top tips on planning your home improvements.

If you are thinking about making improvements to your home, take a look at our tips to help you with the planning process:

Get it right first time

Only consider carrying out the work yourself if you are confident in your DIY skills. The cost of putting right any poor workmanship can be considerable and could even make your home less attractive to future buyers.

Get Permission

If you are planning alterations or building work remember to do your homework first. Check if planning permission or building regulations are required before you start the project. Both are legal requirements and if you don’t get them before you start work you could be made to take down any building works after they have been completed. You can find out more at the Planning Portal website.

Consider the neighbours

Home improvements can sometimes cause disruption to your neighbours, let them know before you start work and keep them updated on progress. If you share a party wall you can get advice at

Don’t forget insurance

Check with your home insurance provider to see if any of the improvements you are planning affect your policy. Consider if the home improvements undertaken will increase the value of your home. If so, refer to your insurer to make sure that you update your policy so that you are fully protected.

Think energy efficiency

Cutting down your home’s energy use could have an impact on your energy efficiency and help to reduce your fuel bills. Energy efficient improvements include fitting new double glazed windows and doors, upgrading your boiler and adding insulation. You can find out more on this topic by visiting the Energy Savings Trust website.

Work out a budget

Fully plan your improvements before you start, set a budget and stick to it! Don’t risk overstretching your finances by doing too much at once. Remember to set aside money for delays or unexpected overspend.

If you are looking for help to fund your home improvements, we’ve teamed up with Salary Finance, our new partner to offer loans to the Police family.

Please note that loans are not currently available for PSNI members and their families.

To find out more and apply, click here.


Salary Finance is a trading style of Salary Finance Limited.

PMGI Limited, trading as Police Mutual, is acting as credit broker for Salary Finance Limited. Salary Finance Limited acts as credit broker exclusively for associated company Salary Finance Loans Limited, which is acting as lender for the purposes of entering into a consumer credit agreement.

Applications will be assessed to ensure the loan is appropriate and affordable for you.


PMGI Limited is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 1073408. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire WS13 6QS. Financial Services Register No. 114942.

Salary Finance Limited and Salary Finance Loans Limited are authorised and regulated by the Financial Conduct Authority (firm reference numbers: 758053 and 734585) and are registered in England & Wales (company numbers: 09677777 and 07643748) at One Hammersmith Broadway, London W6 9DL.

Type of article: Articles
Category: Owning a house

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