Embarking on a garden room project is exciting, but the question of finance can make some people hesitate. Luckily, there are a variety of options out there to help people fund their new garden space – whatever you intend to use it for.

Tre3dom designs and builds contemporary, adaptable treehouses and garden pods with the finest British materials and an impeccable standard of finish. We also offer a range of treehouse consultancy services, helping more and more people discover the value our spaces can add to their homes and their businesses.

In this blog, we help you kickstart your garden room project by outlining the finance options available.

Garden Room Cost

Garden room costs vary dramatically across the market and depending on the specifications you decide to go for. Size, interior finish and the materials used will all play a part in the final price. It’s important to consider your garden room an investment, and as such choosing a supplier and manufacturer who can provide the highest quality of finish is important. A poor quality garden room – whether it’s a treehouse, a pod, or something else – won’t reward you with the same ROI. More than that, a purpose built garden room may be more expensive than a pre-made option, but the final result will be totally bespoke to your space. You also need to bear in mind that if planning permission is required, there will be additional costs to cover during the application process.

If you want to gain a more accurate understanding of what one of our stunning treehouses or garden pods will cost, talk to our friendly team today!

Do You Need Planning Permission for a Treehouse in the UK? >

Is a Garden Room a Good Investment?

A garden room is definitely a good investment, adding value to your property and even generating income if you decide to use it as an Airbnb, holiday let, or HQ for your side hustle. If you turn your garden room into glamping accommodation, you may be able to generate around £150-£350 per night according to current market performance. As a result, you could expect a ROI of 30-50% depending on time of year and the specification of the garden room. For a better idea of your potential returns, yield and payback, click here!

Will a Garden Room Add Value to My House?

If you invest in a high quality garden room you have certainly added something valuable to your home – something for you to spend time in, enjoy, and even use for a commercial or creative venture. When it comes to selling your property, your new garden room may even have an impact on the property’s market value. Depending on the size, specification and build quality, most experts say a quality garden structure can increase house value by around 1.5%. Essentially, it’s a home extension, and anything that increases a property’s liveable space is inevitably going to add value. More than that, a garden room may become a real USP for future buyers.

How to Fund Your Garden Room


Of course, if you have the capacity to do so, using your savings to fund your garden room is a great option. We have already discussed the value garden rooms can add to your property; as investments go, it’s a good one! The benefit of using your savings is that you won’t have to deal with the sometimes complicated process of applying for a loan or grant. Instead, you can get started right away – speeding up the creation of your garden paradise!

Financing Plan

Many suppliers and manufacturers of garden rooms offer financing plans to help people spread the costs over several months. These plans can allow people get their garden room project started without having to make a more expensive one-off investment – something that can prove a barrier.

If you want to find out more about the financing options we offer at Tre3dom, don’t hesitate to get in touch with our team of garden room experts!

Add to Mortgage

A route many people choose to go down when it comes to financing their garden room or office is to add it to their mortgage. This spreads the cost over the length of your existing mortgage term, minimising the impact that your new garden room will have on your finances. Effectively, this is a house extension, so adding the cost to your mortgage can make a lot of sense.

It’s important to note, however, that you will be charged interest on the price of your garden room. If you have bad credit or an adverse financial history, high mortgage interest rates can make your garden paradise quite pricey over time! If you’re considering doing this, it might be worth liaising with a mortgage broker who can advise you on the best option.

Personal or Small Business Loan

Another possibility could be taking out a personal or small business loan to cover the costs of your new space. This means your new garden room can still be paid for upfront but the costs you face will be spread over the course of your agreed repayment term. It’s important to do plenty of research before choosing this option, as interest rates can vary dramatically across the market. You need to make sure the repayments are achievable for you alongside other monthly expenses – there’s no point having a garden paradise but feeling too stressed about your finances to enjoy it!


If you intend to use your garden room as an office or other commercial space, there are a range of grants you could consider applying for. The UK government often dedicates funding to support emerging rural businesses and help farms diversify their income and promote tourism.

There are also options out there for community projects and charities – if your garden room is going to be a hub for the local area or a base for your charitable endeavours, this could be something to look into.

Finally, the Arts Council provides grants to creative businesses, individual practitioners, as well as community and culture organisations to make the arts more accessible. If your garden room is going to be the base for a project that engages people in England with creativity and culture, you could see if they will stump up the cash!

Our treehouses make stunning garden rooms, perfectly suited to a variety of endeavours! From artist studios to slick home offices to glamping business HQs, they make great additions to any space – explore our range here!


You could also look to generate the money for your garden room project through fundraising. If you intend to use the room as an office for your charity project, or even a local hub for the community, this could be a great route to consider. You could complete sponsored challenges or offer rewards for supporters. Even if you have commercial plans for your space, rather than charitable ones, you could crowdfund your start-up costs with the help of interested parties – people who may become your customers when the project is complete!

Tax Incentives

A final thing to consider only really applies if you want to use your garden room as an office. Whether you are self-employed or employed by a business, you may be able to get tax deductions on your garden room. Generally, the office itself and the structure wouldn’t count as an allowable expense, but any other costs related to wiring, plumbing, fixture and fittings, and insulation could benefit from tax relief. To iron out all the details of this plan, it’s important to enlist the services of a tax advisor or accountant to ensure everything is correct and you understand the implications.

To find out more about funding your garden room, why not download our financing guide?

Specialist Guidance for Treehouse & Garden Room Financing

If you’re ready to make your garden room dreams a reality, our team of consultants are here to show you the way. We’ll explain the finance options available to you and explain more about how we create our spectacular, multi-purpose pods and treehouses.

Contact us today to begin the journey!

See more: Finance for Glamping Treehouses – How to Finance a Treehouse Glamping Business