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It can be very hurtful when you’re looking to get a house and then identifies one that’s almost perfect, but that one thing that’s lacking is significant enough to prevent you from making an offer. For instance, you may like neighbourhood, the lot’s size, the number of bedroom and lots more. However, the only thing that’s holding you from making an offer is the outdated kitchen. This is the point where you wonder whether a mortgage can include the cost of renovation. In this article, we’re going to give you a good insight into this and more. Let’s have a look!

One of the major things your lender will put into consideration when you apply for a mortgage is the price of the property in question. For instance, so you’ve found your “almost perfect home for let’s say £400,000 and the cost of your intended renovation work runs up to about £150,000. In this event, you’re definitely going to find lenders who wouldn’t be too keen to let go of their cash. And that’s mainly due to the fact that lenders are only able to afford you, at best, 95 percent of the purchasing price. In other words, if you really want the house, you’ll have to finance it yourself no matter how much potential you think the house possesses.

This, however, does not mean that you can’t find some mortgage lenders who’ll allow for building costs. They exist, but this will mostly take place when the work is complete and the property is revalued. You may also be lucky enough to get a purchase plus improvements mortgage which allows you to renovate now and pay off the renovations over time at a better interest rate than other loan types.

When Does A Loft Become A Habitable Room?

When a loft is being converted to functional space, there are a multiple options it can offer. It’s not uncommon that at the conversion of this space, many household may not have a specific plan on how it’s going to be used. However, they know later on an actual need might arise, perhaps as you start working from home, developing other hobbies that requires an extra space or the family grows.

The loft can easily be converted into a game room, study room, playroom or even a household’s “breathing space etc. However, when the family grows and you wish to make use of the space on the top of your home as an extra bedroom, there are many factors to consider. The fact is, just because there’s enough space to fit a bed, doesn’t make it habitable. For a loft to become habitable, it must be built specifically for the purpose of being a sleeping area and must also comply with the relevant building regulations. It’s as a result of this, many property sale particulars include “potential third bedroom, subject to regulations statement written on it as well as the boarded and insulated loft space’s dimensions.

Loft conversions building regulations are set in such a way to ensure that adequate attention is given to both safety and structural elements to build a new space that’s fit for undetermined household use. These regulations are established minimum requirements to guarantee the following:

• The new floor and ceiling’s structural integrity.

• The existing roof and party wall modification’s structural stability.

• Safety during fire incidents plus an escape route.

• An appropriate stairway access.

• The proposed changes’ structural suitability to the external environment in association with the local area as well as any unique factors specific to the property.

There are so many benefits that comes with building a porch in your home premises. It’s an extra space where a lot can be achieved such as drying a dripping wet dog, taking off your dirty shoes or boot and lots more. So if you’re considering to construct a porch, it’s definitely going to be a wise decision. However, before you get started, there’s a need to determine if you’ll need planning permission for a porch. It’s important to take note that planning laws are dynamic and can be updated at any point, so be sure only to use trusted sources only as your guide. If you’re the homeowner or landlord, it’s entirely your responsibility to obtain the right approval for any development project you wish to carry out within your premises.

A Porch can not be termed as an extension and neither is it a conservatory, they’re basically built to the home’s front covering the main entrance using a stone base or a brick. As a result, a porch does not need planning permission due to the fact that it’s covered by the permitted development rights if the specific guidelines for porches are complied with. Below are the instances where you WILL need planning permission for a porch.

✓ If the floor space is more than 3sqm (the wall inclusive).

✓ The highest point has a height of more than 3 metres.

✓ If the porch is situated within 2 metres of a boundary directly facing on to the road.

You may need planning permission if the house is a listed building, designated area or falls under an Article 4 Direction.

In order to build a porch without planning permission, you need to consider all the criteria stated above. You can also visit the Planning Portal website to get more detailed information before getting started.

Many types of loft are suitable for a loft conversion. In general, you will need at least 2.3 metres of headroom in your existing loft. This is to make sure there is enough headroom after the conversion. Speak to a conversion specialist about the probability and possibility of doing this in your house.

This is a type of loft conversion that extends your roof on the sloping side. It is a great option to go for especially where a hipped roof effectively makes the usable floor area a lot smaller which can be a tricky affair when it comes to putting in a new staircase. Here, the roof is extended from the current ridge in such a way that it effectively fills the gap between them. As a result, this turns the hip (in a hipped roof) into a gable to create space in your roof for a loft conversion - hence the name “hip to gable.

The new gable can be done in whatever way that suits both your taste as well as your property. You can make the new gable construction in woods and then tiled to match your existing roof while you can also go for other options such as brick block pebbledash or rendering. You are also free to fit in a new window into the loft conversion end so as to allow for natural light into the loft space.

A hip to gable loft conversion is mostly found on both semi detached and end terrace buildings, particularly those constructed in the 1930s. Overall, this type of loft conversion is particularly ideal for homes that features a hipped roof and with a sloping roof at the side of the property. Some detached properties can also possess a hipped roof on the side - and as such, a double hip to gable loft conversion can also be deal as it’ll create more loft space for usage. If your home fits into the bill, then you should be aware that once the project is completed, you’ll have plenty of usable space available to both you and your loved ones.

Generally, a paved driveway is always subjected to regular usage and yours isn’t likely to be an exception, otherwise you won’t be here. Regular usage automatically necessitates regular maintenance of the driveway in order to extend its lifespan, make your property safer and add more value to it. This maintenance will involve a frequent inspection of the paved driveway so as to identify and repair divots, cracks as well as rutting. Paved driveways usually have a lifespan ranging between 15 to 20 years, but this can only be guaranteed when backed by regular maintenance activities. Failure to provide your paved driveway with a regular maintenance will lead to a rapid deterioration within just a couple of years after installation.

The issues commonly faced by paved driveways is usually different based on several factors such as the weather, your location, your property’s sub base as well as some other elements. The ability to identify the problems and solve or repair them on time is key to success while it’s also save you some time and money. In this article we’re going to look at how to go about do-it-yourself tasks that involves minor cracks. More intense damages are advised to be handled only by professionals.

✓ Prepare the area. Clear the debris, weed the plants or vegetation (if any).

✓ Use a strong spray from a garden hose to wash clean the cracks

✓ In the event whereby the crack is deep, simply fill it until it reach about a quarter inch of the surface with sand.

✓ Tamp down the sand to make it more compact.

✓ Apply a patching compound to the surface of the cracked paved driveway.

✓ Leave it for some time to cure.

✓ Once cured, you can then apply your sealant.

When it comes to house renovation costs, nothing is certain. As a rule of thumb, you should always expect the unexpected. Unforeseen circumstances (mostly unfavourable) can crop up from anywhere, at any time, greatly affecting the cost of the project. However, if you’ve completed proper planning and done your due diligence on your property before commencement, there’s absolutely no reason why you can’t put the works on budget.

The cost of a house renovation project depends on a lot of variables. These variables include the type of property you’re undertaking as well as the amount and complexity of the entire project. What’s more? Whether you decide to do some of the work yourself or wish to hire quality tradespeople to cover the entire project will also tell on the cost of the home renovation.

In the event whereby you wish to completely gut your property and begin from square one, here are some of the cost you’re most likely going to incur:

✓ Planning applications and building controls

✓ Architect’s design and specifications

✓ Contractors and build costs

✓ Snags as well as unforeseen problems

What will be the biggest cost, which will be determined by the amount of work you need done, is most likely going to be the structural and building work, which can reach up to tens of thousands of pounds.

Asides from material and labour, the administrative costs is another important cost you’ll need to factor in. The first thing here is usually insurance, this is because all regular building insurance policies does not cover large scale renovation projects. So if what you’re planning is a huge structural change to your property, then it’s more likely that it won’t be covered by your buildings insurance policy. In this event, you’ll have to take out a specialist renovation insurance.

With the prices of buying a house skyrocketing, many of us are tempted to building our own house. This is sometimes an excellent choice, but you will first need to understand the costs of building a house from scratch. As per a general estimate, the cost of self-build ranges between £300 per m2 to £3,000 per m2.

As you can see, this is quite a variation in price from lowest to highest. Location is a prime factor in determining the costs. Building a house in London and the South is more expensive compared to other regions. Aside from location, several other factors make up the price.

Self-manage with subcontractors

You hire professionals directly like builders and carpenters. You also buy all the materials yourself allowing you to get the best prices.

Hiring a main contractor with other subcontractors

You will first need a main contractor who will help to create the watertight structure for your house. For the rest of the work, try hiring out subcontractors. Make sure that you buy all the materials yourself to get the best price.

External cladding materials

If you are looking to install other external material other than brick, you will also need to factor in the cost for the same.

Here are some example prices:

• Render on blockwork costs around £25 per m²

• Timber cladding is around £25 per m²

• Hand¬made all-weather tiling costs around £54 per m²

• Rubble walling or flint is around £90 per m²

• Reconstituted stone costs about £48 per m²

• Natural stone is about £75 per m²

Make sure to include these costs when coming up with the estimate.

Roofing materials

Non-standard roofing materials tend to add more to the cost and therefore you will also need to account in for this factor.

Here are some examples:

Welsh slate – £60 per m²

Second-hand slates – £35 per m²

Handmade clay tiles – £65 per m²

Reed thatch – £80/m²

If you choose to add any unique material to your roofing, be sure that you remember to factor in its cost.