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What is Loft Conversion & How Much Does a Loft Conversion Cost?

Are you struggling with space in your current home?

If yes, you are not alone. Most of us find ourselves running out of space as our lives evolve and our needs change. Perhaps you have kids who are now grown up, and they need more space. Maybe you are looking for more entertainment space or even host game nights for friends. It also could be that you have developed a new hobby requiring more space. Any of these situations could arise.

So, what’s the solution?

You might consider a loft conversion.

What is a Loft Conversion?

It is a renovation of an existing attic, high ceiling space, or other small empty space into usable space. A loft conversion is a common way to upgrade a house, especially if the home needs expansion. Loft conversions often result in an extra bedroom, a wardrobe, a storage space, and a home gym – endless possibilities. Depending on your ability, needs, and budget, you could do the conversion yourself or hire a professional.

How Much Does a Loft Conversion Cost?

The cost of a loft conversion is based on multiple factors, including:

The type of space you are converting.

The kind of loft conversion you are going for.

Whether doing it yourself or hiring a professional to do the job.

The kind of materials used in the loft extension.

A small loft conversion usually costs around £5,000 to £7,000, and this cost includes:

Removing all of the old floorboards and installing new ones with insulation.

The cost of new windows, doors, and flooring.

On the other hand, if you are looking for a full-blown loft conversion, it can cost between £10,000 and £75,000; you will need to hire a professional contractor with experience working with loft spaces. This type of loft conversion will include the costs for:

An architect drawing up plans for your new space so that it meets all local building regulations.

The cost of the furniture or other decor items you want to be included in your new space.

A professional builder will work on your space and prepare it for you.

The materials which the builder for your loft conversion requires.

Everything needed for the renovation, such as removal of existing fixtures and flooring, electrical work and plumbing, HVAC installation, and more!

NOTEThe costs shared above are just to give you a basic idea – the final price will depend on your chosen materials and the labour cost.

Get your loft conversion loan at the lowest interest rates.

Types of Loft Conversions and Average Cost

Dormer Loft Conversion

A dormer loft conversion involves the addition of a dormer, a box-shaped structure, as an extension to your space. Dormers can be added to the top of a house or added to one or more sides. The average price of a dormer loft conversion is around the £45,000 mark.

There are several reasons why you might want to add this extra space. One reason is that you want more light in your home, and another reason is that you want more storage space.

A dormer loft conversion can be used as an additional small bedroom for an existing home, or it can be used as an extension. The main benefit of this type of loft conversion is that it gives you extra living space without having to move walls or ceilings around.

To make sure that your dormer loft conversion works well, you should get professional advice from an expert contractor who knows how to design and build a dormer.

Mansard Loft Conversion

A Mansard loft conversion involves taking the attic space of a house and converting it into another living area. This can be done by replacing the original roof with a new one. This will then allow you to install any additional floors or rooms that you want on your property. The average cost for a Mansard loft conversion is around £57,500.

The design of the roof is key to making your Mansard loft conversion successful. The most common types of Mansard conversions are those with gable and gambrel roofs, giving you an extra floor while maintaining an existing roof structure.

Mansard conversions are also known as “”French”” or “”side-by-side”” lofts. French lofts are built on two levels, with the main level below ground and an upper level above ground. The main level is typically used for sleeping space, while the upper level may contain storage or entertainment areas. A side-by-side loft has only one level but is still considered a Mansard Loft Conversion because it is built onto an existing structure initially built as a single-story home.

Hip to a Gable Loft Conversion

Hip-to-a-gable loft conversion is a relatively cheap and easy way to turn a loft into additional usable space. This type of conversion is more common in the UK than in the US but can be done in either country. The average cost for a hip to a gable loft conversion is £34,000.

The hip is the part of your loft that juts out from the wall (you may also see it referred to as a “bay window”). The gable is the ridge of your roof, which runs perpendicular to your walls. Loft conversions usually involve cutting out a portion of one or both elements to create an open space above the original roof line.

This conversion provides an extra room above your existing roof area, which can be used for anything from a spare bedroom or office to a storage area for extra belongings or home gym equipment.

Roof Light Loft Conversion

Roof light loft conversions are generally done to convert a loft into a bedroom or utility area rather than an entire home. The cost of a roof light loft conversion depends on how much floor space you need, how many rooms you want to add, and what materials need to be used in your construction project. The average cost of a Roof Light Loft Conversion is £20,000 to £49,000.

This type of loft conversion has become more common as people have realized that converting their attic into a bedroom or utility area can help save money and make living space more efficient.

L-shaped Loft Conversions

An L-shaped loft conversion is one of the most popular types of loft conversions. It involves removing a wall between two rooms, creating an L-shaped space.

The average cost for this type of remodelling is around £55,000 to £75,000 and will take approximately three or four days to complete.

Modular Loft Conversion

Modular loft conversions are a way to add rooms to an existing home by replacing the existing loft with a new prefabricated roof structure. This new roof structure is craned into position and can be done quickly and easily. On average, a typical UK loft conversion will cost around £40,000.

Modular loft conversions are becoming increasingly popular as people realize that it is possible to convert their loft without demolishing their home to create a new room.

The benefits of modular loft conversion include:

  • A quick and simple way to create your own self-contained living space without having to buy all new furniture or fixtures from scratch.
  • You can save money by not having to pay for expensive furniture or fixtures, sometimes costing as much as £3,000+!
  • Modular lofts can be designed around your existing furniture and other belongings, `so that you won’t have any issues moving into your new home.

Bungalow Loft Conversion

A bungalow loft conversion is when the space underneath a bungalow’s roof is transformed into a habitable space. This space can be large, substantially more than the footprint of the bungalow itself, effectively doubling the property’s living area. Partition walls are built to create rooms; a staircase connecting the loft to the rest of the house is also installed. Windows can either be roof lights, casement windows or French doors—depending on which type of conversion it is—or a combination of all three.

A basic 40 bungalow loft conversion can cost between £40,000-£50,000, while a high-end, premium finish of the basic sizing can be as high as £70,000-£90,000.

Velux Loft Conversion

A Velux loft conversion uses the space underneath your rafters, so no roof extensions or dormers are required. You can fit Velux windows or roof lights into the ceiling, meaning that these types of loft conversions are naturally light and bright. Centre pivot and top-hung windows both do this, with centre pivot windows spinning in the frame to allow for ventilation and top-hung windows hinging open from the top of the frame. For a conversion including a Velux window, you can expect to pay between £20,000 to £49,000.

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What Does a Loft Conversion Involve?

Design and Architectural Cost

The design and architectural cost are the most important aspect of a loft conversion. Many different designs, styles and layouts can be used to create a beautiful space. The design of your loft is an important part of the overall look of your home. It’s important to choose a design that suits your style and taste but also one that will fit in with the rest of your property. The architectural costs usually include Consultants, Builders and Estimates.

Changing the Roof Structure and Floor Support

Loft Conversions involve changing the roof structure and floor support to create a loft. Here’s what happens when the changes are being made:

  • The Roof Structure
    The roof structure is changed by removing the existing roof and replacing it with new materials such as felt or skylight panels. The existing roof could be made from timber shingles (shingle), slate tiles or even corrugated metal sheets – this depends on what type of property you are working on and how much work is involved in removing old material so that new ones can be installed.
  • The Floor Support Structure
    The floor support structure is changed by removing the existing floorboards and posts and then replacing these with new ones made from wood or metal.

Loft Conversion Stairs

Loft Conversion Stairs is a process that involves installing new stairs and bannisters for a loft conversion. The biggest challenge with loft conversions is the staircases themselves, as they need to be built in such a way that they can take the weight of the loft’s occupants.

The cost of building a loft conversion staircase is dependent on the style of stairs and whether you want them to be hand-railed or not. The construction process varies depending on whether you choose a traditional or modern style staircase.

Building Windows and Attracting Natural Light

One of the first things you’ll need to do is remove all the walls to create an open-plan layout. This will allow you to maximize the amount of natural light that enters your loft space, which is essential for a healthy environment. If you’re going for a designer look, then opt for double-glazed windows that don’t let any heat or cold escape. You might also want to consider adding some feature walls so that there’s some separation between rooms and areas within your loft conversion.

Upgrading Your Loft for Fire Safety

Fire safety is the first thing to consider when considering a loft conversion. An electrical fault is the main cause of fire in a loft, so you must check with your insurance company before starting work. If you’re replacing the wiring or making any alterations to your loft, ensure that a professional electrician and not yourself do these.

A new fuse box will also be required to fit the new electrics into your loft and any other electrical changes that need to be made. These can be expensive and may require additional fees from the council if planning permission has been granted for your conversion project.

Loft Conversion Insulation

Your loft conversion should have a solid insulation base to keep the heat in and the cold out. This is a key part of any loft conversion, as it will make it much easier to manage your heating bills and keep your home warm and cosy during the winter months.

Lighting Your Converted Loft

The lighting in your loft will be a key feature and can make or break the space. Luckily, it’s easy to add the right kind of lighting to create the perfect ambience.

Adding fixtures is easy when you have a converted loft conversion. Just remember that installing lights in a loft is not like installing them in an attic or basement. You have less room to work with and must consider how much light you want.


An open loft conversion will require ventilation of the roof space, and any other rooms or area within your property that may be situated under it. This can be done by installing new ventilation and extraction systems or by exposing the roof space to the outside air via a pitched roof or gable end.

The type of construction you choose depends on whether you want to keep your existing structure in place or if it needs to be demolished and rebuilt elsewhere.


The plumbing work is involved in the loft conversion. You can do this in many different ways, but the most popular way is to go with a new installation. It involves installing new piping and drains in your loft, which you want to be sure about before you start.

You will also need to get new appliances installed in the loft. This includes the water heater and all the plumbing for cooking and other essential functions. You may even have to install new electrical wiring if you don’t have any yet.

If you want to make sure everything goes smoothly, then you must hire an expert who knows what they are doing regarding loft conversions.

Electric Work

When you get a Loft Conversion done, taking care of the electrics becomes important. The electrician will need to install a dedicated circuit for your loft conversion, a new fuse box and maybe a new switch. You may also need to rewire your lights for the new loft conversion.

When the electricity is turned off and on again, you can use your new loft conversion at home.

How Can I Save Money When Converting My Loft?

The following are some tips to help you save money when converting your loft:

Look at the cost of materials. Some materials are cheaper than others, so shop around and compare prices.

Compare prices from different suppliers. Prices can vary depending on where you buy from, so compare costs between different suppliers before committing to a supplier for future work.

Make sure it’s feasible for your budget and lifestyle by considering whether you have the space for a larger loft conversion or whether it’s practical to buy a smaller one that suits your needs better.

Ensure that your old furniture is removed from the loft before any work begins. This will help ensure that nothing is damaged or lost in the process.

How to Finance a Loft Conversion?

1: Overdraft

Overdrafts are a useful way of financing your loft conversion. In fact, most lenders will offer you an overdraft facility if you can show that the project is likely to take longer than expected.

Overdrafts are usually arranged through your bank or building society. They’re designed to address cash flow issues and allow you to carry out the work on time, but there’s no need for you to borrow more than you can reasonably afford.

You’ll need to give a deposit for the overdraft in advance, together with proof that you can repay it. You’ll also need a commitment from your builder or contractor that they’ll be able to complete the work by the agreed date.

2: Loft Conversion Loans

Loft conversion loans are a great way to finance your loft conversion. These types of loans are available from online lenders, and can be used in combination with other forms of financing, such as a personal loan or mortgage.

Loans for loft conversions vary in terms of interest rates and terms. Some lenders offer fixed monthly repayments, while others offer variable repayments based on the amount of money you borrow.

If you want to know more about these types of loans, click here to compare them easily.

3: Credit Cards

If you have a small amount of money to spend on your loft conversion and want to finance it, then it is possible to use a credit card.

Credit cards are available in different types of credit limits and charges. You can choose the credit limit that suits your needs and budget. The best thing about this is that if you do not pay the entire amount within the time limit, then no interest will be charged on the remaining balance. However, if this happens, then there will be late payment fees added onto the remaining balance as well.

Suppose you have good credit history and a steady income. In that case, using a personal loan may be better than using a credit card because they are offered by banks that offer personal loans with flexible terms and conditions.

How much can I borrow with a Loft Conversion Loan?

Loft Conversion loan calculator

What is the purpose of your loan ?
How much do you wish to borrow?
What repayment term would you like to choose ?

Representative Example

Loan Amount


Loan Term

3 Years

Total repayment


Monthly repayment





41% p.a (fixed)

*The rate you get will depend on your individual, financial circumstances. Late repayment can cause you serious money problems. For more information, go to MONEYADVICESERVICE.ORG.UK.

Is Loft Conversion the Best Choice for Me?

A loft conversion is the best choice for many people, but not all. It’s important to consider the pros and cons before making a decision.

Pros of Loft Conversion:

You can create your ideal living space – from a studio apartment to a full-fledged home, with endless possibilities. It’s also possible to create any size of space you want, from small to large.

You can save money – Loft conversions are cheaper than other types of homes because they use less materials and do not require expensive structural modifications.

Cons of Loft Conversion:

You must have enough space for the new loft – if you don’t have enough room for it in your current home, then you may want to rent out parts of your house so that you can remodel and still live there. If you sell your current home or rent out one or more rooms, it will cost more money than simply moving into a new loft.

How Long Does a Loft Conversion take?

The amount of time to build a loft conversion depends on many factors, including the size of your loft and the materials used.

Planning your own loft conversion can take a few months or even years to design and build the loft. However, if you’re hiring a professional builder, there are no rules for how long the project will take.

Loft conversions generally take a year to complete. It is more than enough time for you to organize your finances before starting construction.

While most builders prefer to complete projects within six months, they are also happy to work with clients who want more time or need more space than they have available.

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Is building regulations approval needed for a loft conversion?

If you want to convert your loft into usable space, you can apply for building regulations approval.. Builders must ensure that the loft conversion complies with all the relevant building regulations.

How much value does a loft conversion add?

A loft conversion can add up to 10.8% value to your property once completed. Therefore, getting it done would be a fantastic idea. 

Do I have enough space for a loft conversion?

A contractor can tell you how close the ceiling should be to the floor. An architect can then draw up some plans for you to consider. As a rule of thumb, you’ll need at least 2.2 metres from the bottom of the ridge timber to the top of the ceiling joist to convert the space into a loft. But if you’re in doubt, have someone take a look at the space for you to help you decide.

What's the cheapest type of loft conversion?

Roof light conversion is the cheapest type of Loft Conversion you can go for because there is no change to the original shape of your roof. Depending on the size and windows you go for, this conversion can cost you around £20,000 to £49,000.

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