Homeowners have helped to add value to the market by spending an estimated £58 billion on improvements last year - yielding a potential profit of £27.6 billion. Properties in the Midlands have experienced the biggest increase in value as a result of home improvements with a predicted growth of £20.1 billion. Home improvements have helped to add £85.6 billion to the value of Britain’s housing stock, according to Direct Line Loans. Meanwhile, the North East saw the smallest predicted rise in pro When you're on the look out for a new home, you need cash. A lot of it. Most homes today have down payments that are more than what the buyer can afford right then and there. The solution for this? A mortgage.