. From a logistical point of view it makes sense to consider the option of building into the loft now, before your house is completed. This is because not all lofts are suitable for conversion, such as those with a low pitch, and may require
substantial alterations. To make sure you have the option to build into the space, you need to consider, amongst other things, allowing for enough headroom in the loft area (whether you intend to build into the roof space now or later), the right access to the new storey and windows. From a purely financial point of view it makes more sense to build into the loft area when you are building the whole house. Not only will your build costs be cheaper but you will also be able to claim back the VAT on the costs providing it is part of a new build. You won’t be able to reclaim any tax you incur if the building work is for the loft conversion on an existing house. However, if you are on a tight budget and can’t afford the extra needed for the loft space right now, you could build what you can of the main structure, including the insulation, and finish the rest of the work later. This way you could save the costs, for example, of the windows, staircase to the loft, interior walls and interior fi nishes. At the very least you should ensure that the foundations of the house will be able to take this extra storey, it will be much cheaper to do this now than after the whole house is completed. If you can’t afford to incorporate any of the build costs right now, consider re-mortgaging the house later on completion. The house should be worth more then and you could release some capital to build into the roof space. As a guide a modest loft conversion can cost between £15,000-£20,000. Whatever option you choose – whether to build now or later – you will need to get approval from your local Building Control Officer to use the loft as a living space, rather than storage space. You will most probably need planning permission from your local council too, particularly if you are considering incorporating changes to already approved house plans or are wanting to introduce dormer windows to the front of the house.