AIBU to take out a loan to put in a conservatory?

[Mirrorwriting]

We are first time buyers and have just exchanged contracts. Would it be unreasonable to take out a loan to put in a conservatory as soon as we move in?

It at all if you can comfortably afford it. Personally I’d wait and see what your needs are. Leaving it a while may make you think about a permanent structure instead. Though I’m an avid hater of conservatories and would rip one done If I bought a house with one.

Not*

If you do get it, borrow the money for proper conservatory blinds. They’ll add a couple of grand to the bill but the room will be usable all year round and it will look much nicer than makeshift.

What is the difference between a conservatory and an orangery

An orangery is what snobs call a conservatory.

Absolutely love my conservatory! Floor to ceiling glass out to the garden with huge French doors. North facing so not to hot in the summer. Glass roof but I have blinds for when it is really bright. In the winter it soon heats up sufficiently if I open the double doors into the house.

BUT I wouldn’t have borrowed money to pay for it. Mind you, We’ve never borrowed for anything other than the mortgage and one car loan when our car “blew up” and it was essential for DH to get to work. We tend to save up if there is something we want.

An orangery is what snobs call a conservatory

No, they aren’t the same thing.

I would consider an extension to the rear of the property. They add more space and profit to the property.

PILs extended their kitchen to the side with a half brick half conservatory extension, took the existing wall out replaced with large breakfast bar including sink and storage so you can easily sit and chat even when someone is cooking etc. It has underfloor heating and very good triple glazing
it is the room they use most now, but I think mainly because it's an extension of the kitchen and is a comfortable temperature all year round. See how it goes first, we bought our current house two years ago and add we've renovated other things have cropped up that were unexpected expenses, best to get everything else done, see how your finances fall and if you have a fixed rate term on your mortgage when it comes to an end if your house has increased in value you might be able to release some equity to extend nicely, rather than bunging up a cheap conservatory you'll come to hate or not use.

Not read all posts. I think conservatories can be nice if its of a high standard. Personally I hate the one that came with our house. What I can advise is that I totally regret getting at £20,000 home imorovement loan when we bought our house. It limited our options when our mortgage deal expired and whilst we've added some good improvements - wood floors, log burner (did pay for our wedding too!) I regret not using it to replace the bathroom which I hate! Definitely spend some time in your home for a year or so before making any big decisions.