Summer is the perfect time to tackle those home improvements you have been putting off. But instead of just ticking off a list of repairs, why not focus on the projects that can actually add value to your property?
Whether you are planning to sell soon or simply want to enhance your living space, these simple updates could increase your home’s appeal and potentially boost its value by thousands of pounds.
Freshen Up the Exterior with a Coat of Paint
The outside of your home is the first thing anyone sees, and a tidy, well-maintained exterior makes a lasting impression. Painting your front door, window frames or external woodwork can dramatically improve kerb appeal. According to several property experts, a smart and clean-looking exterior could add £15,000 to a home’s value, depending on the scale of the work and the existing condition of the property1.
These types of jobs are ideal for summer, as dry, warm days help paint and treatments to set properly. They are also low-cost, often requiring little more than a weekend of effort and a few cans of quality paint. If you are repainting near open walls, fences or doors, remember to check that fire alarms remain active and that you are not doing anything that might affect your home insurance without informing your provider.
Tidy Up Your Patio or Decking Area
Outdoor spaces are a big selling point, especially during the summer. Cleaning up your patio or refreshing your decking can make your garden far more usable and attractive. Tasks like replacing broken slabs, power-washing surfaces, sanding and re-staining decking, or adding simple lighting features can transform a tired space into a relaxing retreat.
Well-maintained gardens can contribute as much as 5% to a property’s sale value1. For a home valued at £300,000, that could mean a potential boost of £15,000 . Before carrying out any electrical work outdoors, always use a qualified professional and check that your home insurance policy covers outdoor fixtures.
Add Loft Insulation for Year-Round Savings
Loft insulation might not be the most glamorous summer project, but it is one of the most cost-effective. Adding or upgrading insulation can help reduce heat loss during winter and keep your home cooler in the summer. Studies suggest that homeowners can save up to £790 a year on their energy bills after insulating a poorly insulated loft2.
Although the cost of professional insulation varies depending on the size and accessibility of the space, it is an investment that can pay for itself within a few years. Summer is an ideal time to get this work done because loft spaces are dry and easier to access when temperatures are higher.
Install a Smart Thermostat
Smart thermostats are becoming increasingly popular among homeowners looking to manage their heating more efficiently. These devices allow you to control your home’s temperature remotely and can adjust automatically to your habits. Some models can even detect when windows are left open and respond accordingly.
The cost of a smart thermostat device typically ranges from £110 to £300, and installation may cost a further £70 to £150 depending on the complexity of your heating system. Homeowners often save between 10%-15% a year on energy bills, and smart technology can add up to 2% to 5% of the property’s value3.
If you are considering installing a smart thermostat, make sure your boiler is compatible and use a certified engineer. You should also let your home insurer know about the upgrade, as it may affect your policy.
Before You Begin: Safety and Financial Considerations
Before starting any improvement project, test your smoke alarms and check that you are not invalidating your insurance policy. This is particularly important if you are doing DIY or using external tradespeople. If you are planning structural work, installing new wiring or making major upgrades, you may also need to notify your local authority or mortgage provider.
This is where your mortgage adviser can help. If you are making significant changes to your home, it is always best to check whether this will affect your mortgage terms, your insurance cover or your overall protection. An adviser can guide you on whether you need additional cover, whether a valuation will be affected, or whether now might be a good time to review your mortgage deal in light of your investment in the property.
The Bottom Line
July is a great time to invest in your home. From painting and patios to insulation and smart tech, there are projects that suit every budget and can boost the comfort, energy efficiency and value of your property. Just remember to plan carefully, stay safe, and always speak to your mortgage adviser before making any big decisions that could affect your finances or your cover.
Sources:
- The Sun (2025). 7 easy and cheap home improvements that could add £75,000 to your home… Available at: https://www.thesun.co.uk/money/33358192/easy-cheap-cost-effective-home-improvements/ [Accessed 24 Jun. 2025].
- EDF. (2024). Home Insulation Installs | Loft & Cavity Wall Insulation | EDF. Available at: https://www.edfenergy.com/heating/insulation#footnote-energy-saving-trust-home-insulation-costs [Accessed 24 Jun. 2025].
- Homeadviceguide (2021). Understanding Smart Thermostat Installation Cost: A Complete Guide. Available at: https://www.homeadviceguide.com/smart-thermostat-installation-cost/ [Accessed 24 Jun. 2025].
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