How much does a kitchen renovation cost?

Planning a new kitchen is exciting, but when you start looking at costs, it can feel overwhelming. Whether you want a complete makeover or just a few updates, the price can vary a lot based on your choices. This guide explains what to expect and how a home improvement loan can help make it possible, without the long wait to save up.

What is a kitchen renovation?

A kitchen renovation is when you change your kitchen to make it better. You may want more storage, modern appliances, or a new layout that makes it easier for your family to move around.

Some people paint the cupboards or change the floor. Others start fresh with brand-new units and designs. Whether it’s a small update or a makeover, it’s all about creating a space that feels just right.

How much does a kitchen renovation cost in the UK?

In the UK, a basic kitchen renovation typically starts at around £5,000. This might include keeping the layout as it is and using standard cabinets and fittings. A mid-range renovation could cost between £10,000 and £25,000, with more choice in finishes, worktops, and appliances.

High-end kitchens can exceed £25,000. They use top-quality materials and include extras like underfloor heating or smart technology.

These figures include things like materials, fitting costs, and appliances. Of course, your quote will depend on your kitchen’s size and what you’d like to achieve. It’s always worth setting a clear budget from the start to avoid surprise costs later on.

Why do kitchen renovation costs vary?

There’s no single price tag for a kitchen renovation because every kitchen and every family is different. Total costs depend on the size of the space, the materials you choose, and the work that needs doing. A simple update, like changing cabinet doors or adding new lighting, might be quite affordable. But if you're moving appliances, replacing worktops, or changing the layout, it can become more expensive.

Also, professional labour, such as plumbers or electricians, will add to the price. However, they make sure everything works safely and properly. Even the finishing touches, like tiles and handles, can make a difference to both the cost and the final look.

How can I finance my kitchen with a home improvement loan?

Let’s discuss how to pay for your kitchen renovation. Saving up is great, but not everyone has thousands of pounds ready to spend. That’s where a home improvement loan can help. With a home improvement loan, you don’t have to wait. You can start planning your renovation now.

Secured home improvement loan

A secured loan is backed by something valuable you own—usually your home. As lenders can take fewer risks, you can usually borrow more money than unsecured loans. Your loan can be at lower interest rates and with longer loan terms too. This can be helpful if you're planning a full kitchen refit.

You might be able to borrow even if your credit score is low through a bad credit secured loan. However, one important thing to know is that if you fall behind on repayments, your home could be repossessed. That’s why it’s important to borrow carefully and only what you can afford. To learn more, read our guide on the pros and cons of secured loans.

Unsecured home improvement loan

An unsecured personal loan doesn’t use your home as security. It’s often used for smaller projects and is based more on your income, credit history, and ability to repay. You might pay a bit more in interest than secured loans, but it can still be a useful way to get started quickly.

You can borrow enough to cover the full cost of your renovation or use the loan alongside savings. Either way, you’ll have a clear budget and a practical way to pay it back over time. Having funds available from the start gives you flexibility. It lets you plan confidently and follow a clear timeline.

What does my kitchen renovation budget cover?

A kitchen renovation budget is usually split between different areas. A good chunk will go towards cabinets and units, followed by appliances such as cookers, fridges, and dishwashers. Countertops and floors consume a portion of the budget, particularly with choices like solid wood or stone.

Then there are the people who make it all happen—kitchen fitters, electricians, and plumbers. You should consider the smaller bits, like taps, lights, and splashbacks. They may seem small, but they still add to the final total.

Labour costs alone can consume 25% of your budget or more, especially for tasks like rewiring, plumbing, and fitting. It’s not just about the materials—it’s about bringing everything together with care and expertise.

Is it the right time to renovate my kitchen?

If your kitchen feels cramped, outdated, or hard to clean, it might be time for a change. Maybe you’ve just moved in and want to make the space your own. Or maybe your growing family needs more room and better storage. A kitchen that works well can make everyday life easier, from cooking meals to helping with homework at the table.

It can also add real value to your home, especially if you're thinking about selling in the future. A modern, well-designed kitchen is often high on buyers’ wish lists. To explore more, read our guide on which home improvements can add value to your home.

How can I save on my kitchen renovation?

Even if you’re planning a change, there are ways to keep costs under control and save money. You might reuse existing units and just replace the doors. Painting cabinets or changing handles can give your kitchen a fresh look without the need for a full refit.

Choosing durable but affordable materials, like laminate worktops or vinyl flooring, can stretch your budget further. And if you’re handy, you could take on small jobs yourself—just leave the tricky stuff like electrics and plumbing to the pros.

Getting clear quotes, comparing prices, and sticking to a plan can stop things from going over budget. It’s also a good idea to leave a little room in your budget for surprises. Sometimes small issues, like old wiring or hidden pipework, appear once work begins. Planning helps avoid delays and extra stress. To learn more, read our guide: How can I plan a successful home renovation on a budget?

Summary

Your kitchen is more than a place to cook. A well-designed kitchen brings comfort, style, and even value to your home.

If the cost feels like a hurdle, remember you don’t have to face it alone. At Central Trust, we help homeowners like you. Our home improvement loans give you the flexibility to upgrade your kitchen on your terms, without delay. Call us free 0800 980 6273, or fill out our quick enquiry form and we’ll call you back when it suits you.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON YOUR HOME, THE LENDER MAY REPOSSESS IT.