Advice needed re possible extension to house

Its a good idea provided you trust the builder, only pay in stages no paying the whole amount up front, dont have a cubicle shower and perhaps have one of your children with you when discussing it with the builder.

My sensible side says do it now before you need it.

My cautious side says 'what happens if I struggle to pay back the loan'

If you leave it till you need it you'll possibly qualify to get it done and paid for by the council but that isn't certain and may take time.

Definitely talk to your children to see if they would help financially IF you need it. Hopefully you won't.

IMO it's a sensible decision but there are some things to think about.

Contact your local authority planning department to see if planning permission is needed, which will be the case if the proposed extension exceeds permitted development rights.

Always erring on the side of caution, I would check this out for myself and not just take the builder's word for it, unless I knew them personally.

Don't pay the builder until the work is completed and has been signed off by a building inspector which includes paying in advance for materials.

I hope it all goes well.

Great advice everyone. Thank you so much.
You have given me food for thought 👍

How sensible is sensible though My house isn’t really ‘me friendly’ but although i m ten years older than you I ve done nothing really, if the time comes I can’t use the stairs safely I ll have a stair lift put in or I ll change my back room into my bedroom so many of these alternatives would not add to the value of the house and I might not live to use them then what a waste of money
Hiwever if you ve got it and it makes you feel better go for it
I m going to take my chances and adapt if and when it’s needed

I agree with all the above. If everything else is in place, I would go for it.
We bought this house because it has a downstairs extension which includes a loo and shower. However it is a cubicle which is now very difficult to use, so I would go for a walk- in shower.

BlueBelle, I actually think the same as you most of the time.
Who knows what will happen to us in the future 🙈

Thanks Cabbie21.
A walk in shower has been advised 💐