In the future - Tax relief

Sometimes the rules are not that easy to interpret -and they can seem unfair. For example, if you had the bad luck to inherit an antediluvian system of radiators and a clanking, clapped-out boiler,

1 Examples of improvements that will qualify for tax relief

(a) Home extensions and loft conversions.

(b) Central heating installations (excluding portable radiators and night storage heaters).

(c) The installation of double glazing, even though it may be in a detachable form.

(d) The insulation of a roof or walls.

(e) Installation of bathrooms and other plumbing.

(f) Kitchen units, e.g. sink units, which are affixed to and become part of the building. In practice, a range of matching units only some of which qualify may be treated as qualifying as a whole (other than cookers, refrigerators and similar appliances).

(g) Connection to main drainage.

(h) Garages, garden sheds, greenhouses.

(i) The construction or landscaping of gardens.

(j) Swimming-pools.

(k) Construction of property, e.g. conversion into flats.

The above list is not exhaustive. In particular, expenditure on a number of smaller items may be met by a combined loan qualifying for relief, e.g. improvements under the Clean Air Act, fire precaution works, installation of water heating and ring mains electricity and the concreting or other improvements of driveways or paths.

In the future - Staying put - and improving, avoiding excess stamp duty

Moving, even within fairly modest price ranges, is likely to add up to a fair sum: probably in the region of 12000 to 13000 (or more) if you're making a move in the 130000 to 150000 bracket.

It is not surprising that taking this expense into account, especially in a situation where mortgages are hard to get, many people choose instead simply to stay put and improve their existing place the moving fees and devoting the cash to installing central heating, for example.

Major improvements example adding a third storey in the loft or building an extension at ground level likely to require approval from the requisite authorities and outside finance.

Planning permission

The Department of the Environment produce a useful leaflet . . .... see: In the future - Staying put - and improving, avoiding excess stamp duty

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