Alterations
An alteration is something that affects the structure of your home but may not change the value of your home. Examples of alterations include:

• Changing the layout inside your home (e.g. removing walls)
• Changing front doors/windows

Improvements
Improvements are changes that should increase the value of your home. Examples of improvements include:

• Loft conversions
• Gas central heating
• Double glazing
• Extensions of conservatories

You must have our written permission before you make any improvements or alterations to your home. You may also need permission of:

• Your mortgagee (any bank or building society which has lent you the money to buy your home)
• The planning department of your local council
• The building control department of your local council