HSBC Online Banking activation

We're currently making improvements to our Online Banking service.

If you registered for Online Banking prior to the 17th December 2014 it's not possible for you to activate your existing Secure Key and you will need to re-start your registration.

If you registered for Online Banking after this date, please log on to Online Banking entering your username, memorable answer and your password, from here you will be prompted to activate your Secure Key.

We apologise for any inconvenience which this delay may cause. Once you are registered, we look forward to introducing you to Online Banking, including the exciting enhancements we're working on now.

Find out more
 

Getting a loft conversion can give you space to expand and add value to your home. So how much does a loft conversion cost, and what do you need to keep in mind?

Thinking about how to fund your loft conversion?

Is your house suitable for a loft conversion?

This is the number one thing to check before you begin. The key point is size - you don't want to end up with a room you can't stand up in. As a rule of thumb, you need at least 2.2m between the top of the roof joist (where the floor will be) and the bottom of the ridgeboard (the board running along the highest point of your roof space)1. You'll also need enough floor space - usually about 5.5 x 7.5m.2

How much does a loft conversion cost?

  • A simple loft conversion could start at around £15,000.
  • A loft conversion with added dormer windows and an en-suite could cost £35,000-£45,000
  • A loft conversion that changes the shape of your roof could cost upwards of £40,0003

These figures are just a guide. Costs will depend on the size and shape of your loft, and where you live. They also only cover the basics. You should get several quotes for your own situation before you begin work.

Who should handle my loft conversion?

It might be cheaper to do things yourself, but a loft conversion is a big job, so it's a better idea to trust the experts. You can use one or a combination of these options:

  • a specialist loft conversion company can offer you the complete package, from planning to painting and decorating
  • an architect can draw up something unique and can usually help with regulations and finding builders
  • a general builder can handle the process - but it's good to make sure they have loft conversion experience

It's all a balance of cost, creativity and simplicity - but what's most important is that your chosen contractor is reliable.

Recommendations and reviews can help guide your choice.

Do loft conversions need planning permission?

Usually, loft conversions within your existing roof space don't need planning permission, but always check. In some situations you will need permission, for example:

  • you live in a conservation area or other protected area
  • you want to raise the height of your roof or extend out to the side
  • your loft conversion is particularly large (more than 40 cubic metres of space)
  • you want clear glass side windows that will overlook your neighbours

Space for a loft conversion

You'll usually need:

  • at least 2.2m between the top of the roof joist (where the floor will be) and the bottom of the ridgeboard (the board running along the highest point of your roof space).
  • enough floor space - usually about 5.5 x 7.5m.

Building regulations for loft conversions

All loft conversions need building regulation approval. Building regulations cover things like fire safety, structural strength and insulation.

You'll need to make a building regulations application to a building control body (BCB) before you begin work, and may have to submit detailed plans. A BCB can be your local authority or a private approved inspector who will tell your local authority about the work. Your builder or architect should help you through this process.

1 http://www.centrallondonloft.co.uk/low-head-height-loft-conversions/
2 http://hoa.org.uk/advice/guides-for-homeowners/i-am-improving/loft-conversion-where-do-i-start/
3 https://www.homebuilding.co.uk/loft-conversion-beginners-guide/

Disclaimer: please remember...

We are a bank, not DIY gurus. We provide this information as a helpful guide. However, if you're thinking of getting a loft conversion, please carry out your own research and don't assume these details are 100% correct or the most up to date available.

Explore HSBC loans

Did you know...?
The National Association of Estate Agents rates a loft conversion as the home improvement that probably gives best value for money.
Back to top