Adam Smith | First-Time Buyer Mortgages on Instagram: "Not every renovation adds value and some can actually work against you when a lender values the property. If you’re a first-time buyer in the UK (or planning to sell later), these are the upgrades that can reduce appeal, down-value the home, or complicate your mortgage 👇 ◆ Converting the garage UK buyers and surveyors still count garages as valuable storage or parking. Removing it can negatively affect valuation. ◆ Removing the only bath Ho