Common home repairs and maintenance tasks you shouldn’t ignore

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As essential as it is to maintain your home, you may find that these tasks get put aside when life becomes busy. What may seem like a simple maintenance task can quickly become an expensive repair if ignored. That’s why it’s vital that you stay on top of your home’s maintenance.

We’re here to help you tick off all of your tasks, so you can go back to enjoying your home, worry-free. Simply speak to a handyperson today to get started.

What are the most common home repairs?

Unfortunately, things sometimes break or stop working as efficiently. It’s important to have them inspected by a professional as soon as possible. They can identify problems early on and prevent you from spending more money in the future. The home maintenance tasks that homeowners are most frequently faced with are:

  1. Plumbing problems, which can range from running toilets, clogged drains, leaky faucets, and broken pipes
  2. Roof repairs, such as missing or damaged tiles, roof leaks, or issues with guttering
  3. Electrical issues, including faulty wiring, switches and outlets malfunctioning, and problems with circuit breakers
  4. Heating and air conditioning maintenance and repair, including getting your boiler serviced
  5. Wall repairs, especially for peeling paint or cracks and holes
  6. Appliance repairs, such as for a dishwasher, dryer, oven, refrigerator, or washing machine
  7. Window damage that can result in air leaks, condensation, broken glass or damaged seals
  8. Garden landscaping maintenance, vital to ensuring your patio or deck doesn’t break, and that your trees or shrubs don’t grow out of hand or cause structural damage
  9. Regularly test and replace broken smoke detectors, carbon monoxide detectors and burglar alarms. Find out more by reading our FAQs on smoke detectors. If you start to notice faults or signs of wear, speak to a skilled tradesperson in your local area to ensure everything is running smoothly.

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What happens if I don’t do my home maintenance checks?

Picture of a window with failed window glazing, causing condensation build up

There are a range of different consequences that can occur if you neglect to carry out the necessary home repairs and maintenance jobs. These include:

Minor issues escalating into bigger problems over time

  • , eventually costing you more in repairs. An example of this would be a small leak that, when ignored, causes water and structural damage, leading to an expensive repair job.Safety hazards associated with ignoring maintenance tasks
  • like electrical wiring which can cause fires, HVAC systems which can lead to poor air quality, or a carbon monoxide leak from an old or broken detector.Avoiding maintenance and home repair jobs can also decrease your property’s value
  • due to visible neglect.Lower energy efficiency
  • can also be a consequence of poor home maintenance, as systems might be working harder or less efficiently, leading to higher utility bills as well. For example, your home’s insulation might be compromised by an air leak in a window.General neglect can also lead you to not notice new entry points
  • that can result in pest infestations, such as insects or mice.Your home will slowly deteriorate if you don’t regularly look after it, giving it an untidy look that will age your property beyond its years. To avoid costly repairs and health risks, speak to a skilled tradesperson in your area today to get started on those maintenance tasks you’ve been putting off!

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How much should I set aside for home repairs?

Generally speaking, it’s a good idea to set aside roughly between 1% and 3% of your home’s value annually for home repairs and general maintenance. You will maintain the value of your home. So, if your home was valued at PS250,000, you should budget for roughly between PS2,500 and PS7,500 for annual repairs.

However, this is just a rough guide, as older properties may need more costly or frequent maintenance. London and the South East have higher labour costs, so where you live will also affect your budget. You should have an emergency fund for any repairs that may be needed in the future. Prioritize setting aside money for these tasks. Focus on:

Gas appliances

, like your boiler and cooker (these should be checked annually by a Gas Safe registered engineer)

  • Electrics, which should comply with current electrical safety standards (like the Electrical Installation Condition Report)
  • Fire safety, such as regularly testing fire alarms, fire extinguishers and emergency lighting
  • Health and safety during building works to ensure a safe working environment for all contractors. There is a possibility that your home was constructed before 2000. You can get a:
  • Home Improvement Loan – these loans are designed specifically for home renovations and repairs
Picture of a smoke alarm

Secured Homeowner Loan

– also known as a second charge mortgage, this loan allows you to borrow against your home’s equity, allowing you to use the funds for repairs

  1. Personal Loans – you could also take out a personal loan and use it for home repair (these often don’t require collateral, but have You could get a:
  2. Home Improvement Loan – these are designed specifically for home repairs and renovations
  3. Secured Homeowner Loan – also known as a second charge mortgage, this loan allows you to borrow against your home’s equity, allowing you to use the funds for repairs
  4. Personal Loans – you could also take out a personal loan and use it for home repairs (these often don’t require collateral, but they do tend to have higher interest rates)

Re-mortgage your home

– if your repairs are extensive and urgent, you might want to consider re-mortgaging your property

Whether or not you should consider a loan for home repairs depends on a few factors, including how urgent and necessary the repairs are in order to ensure the safety and structural integrity of your property.

Think about the cost of the loan (including interest rates, repayment terms, fees) and analyse these against the benefits of completing the repairs you need.

Lastly, make sure you consider alternative funding sources, such as those outlined below. If you’re not sure, we recommended you consult with a financial advisor or loan specialist first.

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How can I get money for home repairs?

As well as applying for a loan, you might also want to consider checking whether or not you are eligible for any grants or schemes. You could, for example, look into:

These grants are available to help you cover the costs of repairs. What should I do if my budget is tight? Firstly, prioritise the most urgent repairs, allocating funds to essential repairs first and postponing anything non-essential for the time being.

Research grants and assistance programmes led by the government and your local authority, as well as looking into charitable organisations that might be offering financial assistance for home repairs. Look into local initiatives and resources to assist with home repairs. (Community Development Agencies, Housing Associations, Local Organisations, Religious Institutions, etc.)

If you have the skills and time, you could try DIY or reach out to others in your community.