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In a nutshell, a mortgage loan is for the acquisition of an asset, so lenders won’t tend to give you anything else in a mortgage that is going to cover your home renovation costs. When you are applying for your mortgage, your provider will examine the price of your new household. For example, if you’re planning to buy a property for £200,000, but you need another £50,000 to help improve it, you’ll find that your lender might turn you down.

Essentially, with any mortgage loans that you take out on your possessions, the bank or creditor theoretically owns your home till you’ve entirely paid off your loan, which is why it is very unlikely that you will get extra funds from them. There are some mortgage providers who will be willing to add on some building costs, but it is entirely up to you whether to choose it or not.

With most mortgages, banks and other lenders will usually give you a maximum of 95% of what you purchased your property for. That means, that even if you contemplate the household has the probability to be valued at so much more, you’ll have to find an alternative way of paying for the developments you have in attention. So, if the accumulation of extra funds on to your mortgage loan is out of the question, you’ll need to find additional ways of paying for the home developments.

It is well and good if you have the cash saved up, or else, you can explore other payment options which your bank or lender may be able to help you with. There are several methods by which you can collect the cost to pay for the improvements, from personal loans to credit cards or even overdrafts, there are tons of ways to lending money. Keep in mind these are all forms of debt so keep an eye out for the interest rates when you are repaying.

Before the commencement of any project, it’s always best to get an estimation of the cost. However, determining the cost of an external solid wall insulation is not the easiest of tasks as it relies on varying components such as the insulation materials to be used, labour cost and installation as well as the type of decorative finish to be incorporated. And depending on your choice of insulation material, some may need some adhesives while others may require some fixings which also contributes to the differences in price. As a result, the determination of the material cost alone can be tricky and even more so when various materials cover varying areas.

With that in mind, the cost of external solid wall insulation generally ranges between £80 to £100 per square metre2. As a result, a small flat can cost from £6000 to £9000 whereas a large detached house can have a price ranging between £21000 to £23000. To earn back your investment in terms of energy bill savings can take a couple of years, but it’s surely worth the try as there are several other benefits associated with installing an external solid wall insulation system. What’s more? Another huge factor that can influence the cost of your system is also the amount of work that’s required, how easy it is to be accessed by the installers and lots more

If you’re looking to cut down on the cost of your external solid wall insulation, then the best time for an installation might just be when you’re having another decorating or building project done such as fitting a new roof, window painting, installation of solar PV panels and more. This way, you’ll be able to spread the cost and have a greater value for each penny expended.

If you’re about to start your house extension project and wondering how long it’ll take to complete, you’re not alone! This is one of the most common questions that’s asked by homeowners in the UK and across the globe. However, there’s no single precise answer for this as there are multiple factors that’ll affect the length of time it’ll take to complete your home extension. These factors include the size of the construction work as well as whether you’re planning to live in the house after completion or otherwise.

For a single extension, the length of time it’ll take to complete the home extension is normally up to 3 months. So let’s break this down:

As you would have expected, the first step to be taken is the preparation of the site. You start by digging out the footing and preparing the foundation which should take about 2 weeks. This is then followed by the damp course installation as well as the fitting of any drains needed around the extension which will also take a further 2 weeks.

The 5th week will be for the construction of the external walls as well as putting the blockwork in place for the provision of the cavity wall insulation. A further 2 weeks after this, will be dedicated to the installation of the roof structure and the internal walls.

It’s at this junction that you’ll call on your weather proof installer to fit in your uPVC windows and doors. Once done, the gas fitters and electricians will have to be on site to connect power to your new extension building. Subsequently, this will be followed by internal wall plastering as well as breaking through your main house. Once the plaster is dried, decorations completed and all the required furniture and units installed, the extension is ready for use.

Some individuals who have been in the construction department for many years may not be qualified, that is, they may not have undergone an apprenticeship and/or trade certificate courses, but they might still be very skilled at their work. However, anybody can pick up a sledgehammer and demand themselves a builder lacking any skills or training. The wise thing would be to ask the builder coming to your house about what qualifications they have and what training they have undergone.

Licensing of building practitioners

You can now check if your builder or tradesperson is a licensed building practitioner by using an electronic public register which has a record of every registered builder. Being licensed provides you with an assurance that the builder who is about to do your work has proven his shill to the government and earned his right to be a practitioner. If you wish for certain important building and design work on your home it is imperative that you hire a licensed practitioner, the act is very common when you compare the scenario with when you have to call a plumber or an electrician regarding any work.

In order to become a builder in the UK, you must complete an apprenticeship or an NVQ. NVQ is another popular route to becoming a builder. You can also get your NVQ even when you are working as an apprentice. You can also make it based on any recognised overseas qualification.

All associates maintain a Code of Practice and Conduct which sets the standards for all stages of the building procedure. The Code requires builders to:

• Submit quotes on projects for which they have time.

• Securing the contract with a sufficient insurance cover.

• Maintain honesty and integrity at all times.

• Obey the law and industry standards of conduct.

All members of the construction association must also follow a code of conduct. As a consumer, if you think your builder has breached the Code of Conduct or the Code of Ethics, you can file a written against him or her.

How Much Plasterboard Do I Need?

Although many people especially contractors have a tough time estimating the number of drywall or plasterboard needed to complete a project, it’s a rather simple task if all factors are taken into consideration. If you’re able to follow the same procedures taken by professionals to count dry wall sheets, you’ll be in the right direction. Let’s have a look at the procedures to follow!

lTake Square Footage Measurement

• Measure the square footage of the area where the plasterboard will be fitted.

• Multiply the height by the width of each wall or ceiling area.

• Add all quantities to obtain a total square-foot amount.

lCalculate Drywall Sheets

• To calculate the number of drywall or plasterboard sheet is very simple once you’ve gotten the total square footage.

• To get started, simply divide the total square footage of area by 32 (that’s if you are using a 4 by 8 sheets) or you can also make use of 48 to make the division (only if you’re making use of the 4 by 12 sheets).

• The answer you get after the division will give you the full number of plasterboard sheets that’s required to complete the project.

We’d recommend you include an extra 10 to 15 percent of whatever you calculate to take care of the possible odd cuts and wastages. This implies that if your total area is 1600 square feet while incorporating 4 by 8 sheets, simply divide 1600 by 32 which equals 50 sheets, now take 10% of 50 which equals 5, then add back the 5 extra to the 50 sheets earlier calculated to get 55 sheets. If you wish to estimate the cost, simply multiply the number of sheets gotten by the price per sheet. Do not forget to include delivery charges and local taxes.

Well the reality is, sometimes, neighbours just don’t get along. With several individuals living in close proximity, it’s little surprise they tend to get on one another’s nerves from time to time. However, there’s a difference between having a tiff and being able to transform your house the way you want without having to obtain your neighbour’s approval.

The short and simple answer to this question is, not necessarily. However, you must first educate yourself by thinking about your extension and how it affects the houses around you. We’d strongly recommend you talk proposals through with your neighbour so as to avoid possible conflicts later. There are a number of reasons why your neighbour can protest to your new home extension plans. Let’s take a look!

• In the event whereby your new extension is blocking their view or providing an unwanted shade on their property. Here, they have a legitimate reason to protest as no one would want their once sunny garden suddenly covered or plummet into shade.
• In the event where it leads to a loss of privacy. For instance, if your new extension possesses a window which overlooks the neighbour’s property in any way. This is likely to be taken as an invasion of privacy and that has a little to no chance of being a welcomed idea.
• If it’s a major project and going to take a lot of weeks before completion. The noise generated, especially when your neighbours are enjoying your summer holidays or weekends, can make their gardens not as relaxing as it used to be.

How To Lay Loft Boards

Do you need more storage space in your home or property? If you live in a tiny space especially where extensions can’t be made sideways, why not look to the topmost area of your home and consider boarding out your loft to make it usable?

Boarding your loft can make for a fairly easy DIY project but like every other home improvement tasks, it requires some specific skill sets as well as knowledge for a successful construction. Therefore, we’d recommend you hire the services of a reliable professional in order to guarantee the best possible outcome, especially if you lack proper training or experience that’ll help you avoid some costly mistakes. Here, we’ll give you a good insight into the loft board laying procedures.

• Get The Right Tools & Equipment

The materials and supplies you’ll need to lay loft boards include loft boards, screws, tape measure and pencil, drill, hammer, saw, protective gear such as gloves and dust mask.

• Work Out The Area

Measure up the area you need the boards to cover. The standard loft features two different sizes (both are 18mm thick) which include 2400mm x 600mm and 1220mm x 320mm. You should ensure that the board you opt for fits through the loft hatch perfectly.

• Start Laying

Once you’re done working out the area, the next step is to put on your protective gear and start putting the boards in place. You should lay the boards in a staggered pattern so as to give a better strength. While doing this, watch out for any wire running through your loft so they don’t get trapped, you should also cut the boards for easy access to the light fittings’ top.

• Make It Permanent

Upon the successful placement of the boards in a way that offer a safe area to store things and stand on, you’ll have to screw them in place. Start by drilling 2 or 5 holes along the edge of individual boards in such a way that lines up with the centre of the joist below. Once done, then you can fix them in place with screws.

Do I Need Planning Permission For A Loft Room?

The answer to this question is maybe. Generally, loft rooms are covered under “Permitted Development which means you won’t need to apply for a planning permission to build a loft room. This is like an advance planning permission provided by local authorities to allow some particular building works to be done such as loft conversions, rear extensions and more. When you’re covered by a “Permitted Development, you’re given the free range to oversee your home’s development without much interference from the regulations or the council. However, for permitted development to apply, there are some specific criteria that must be met. Therefore, if your loft room does not meet the following requirements given below, then you must complete a planning application before proceeding.

• In a terraced house, the converted loft space must not be more than 40 cubic metres.

• In a detached building or semi detached house, the converted loft space must not be more than 50 cubic metres.

• The existing roof slope at the front of the house must cover the extension made.

• The extension should not increase the height of the roof in any way.

• Verandas, balconies and any other structures of this nature must not be included in the extension’s plan.

• The side facing window openings should be at a minimum of 1.7 metres above the ground. The windows must be obscured as well.

• The roof extension should be set back as far as practically possible. It should be at a minimum of 20cm from the current eaves.

• The roof extension should not overhang the house’s roof or it’s wall.

• The materials to be incorporated must be the same or at least similar to what you already have on the house’s exterior.