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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.

Are you looking to pebble dash your house? This is a cool way to add a stunning new look to your home or property while also adding to its resale value should you wish to sell later on. The list of the benefits goes on, however one thing that most home and property owners would like to know before starting such a project is exactly how long it’ll take to complete it. If you’re also having similar thoughts, then you’ve come to the right place! In this post we’re going to give you an insight into the duration of pebble dashing a house. Let’s take a look!

First and foremost, just like any other home improvement project, the duration of a house pebble dashing project is affected by a number of variables. These variables include the size of your house, the company or contractor hired and lots more. In general, a house pebble dashing project should take within the range of 3 to 14 days depending on the size of your home. It should be noted that you’ll have to pay the workers on a daily basis. Most labourers will charge within the range of £140 to about £160 per labourer per day. And you should expect to have at least 2 labourers to work on your house’s pebble dashing project per day. On the other hand, the more labourer you have working on your project, the more you’re going to pay on a daily basis but this will also significantly reduce the time frame it’ll take to get the project over the line.

For 2 metre solid fences it’s recommended to use concrete posts to support each panel. For smaller 1 metre fences or for picket fences with gaps between each timber piece you can use timber posts. A fencing contractor will be able to advise you on the best materials from the length and requirements of a new fence.

The short and simple answer to this question is yes, loft insulation does cause condensation. Over the years, problems with condensation in loft spaces have become increasingly common. While this may not be harmful in anyway, when the condensation becomes excessive it can lead to more serious issues taking root in your loft like wet rot, dry rot as well as black spot mould. Generally, the best thing to do if you’re concerned about the condensation in your loft space and that it may rapidly become a bigger problem is to get in touch with a damp specialist as soon as possible.

Even though insulating your loft space comes with a wide array of benefits like making the top floor rooms warmer, it’s however comes at the cost of making your loft or room space cooler. Condensation in lofts take place primarily due to the humid air making its way through insulation or other gaps into the loft space and touching a cooler surface which in turn results in beads of moisture on the timbers, lintels as well as the underside of the roof. This is why its always a great idea make use of thermal insulation with a vapour barrier that’s installed on the warmer side of the insulating material.

Condensation in loft is caused by excess moisture in the air and lack of adequate air ventilation. Here are some top reasons that gives rise to this in the loft:

• Extra insulation has been installed in the loft leading to a restriction on the natural air circulation in the property.
• When the storage boxes or other items that has been stockpiled in the loft blocks the roof vents.
• The release of steam and moist air into the loft space by hot water tanks.

Render serves two basic functions. One is it’s protective qualities as render acts as waterproof for the wall which enables them breathe by allowing water vapour move from the inside to the outside of the structure while also working to prevent water or rain from finding its way inside the structure. While the second function is the decorative qualities as render is able to provide the structure with a fine finish and colour to make the building a lot more appealing and correcting faults in line and level in the masonry.

If you wish to apply render on your external wall, you’d probably be wondering just how thick the render should be to perfectly serve both of functions. In this article, we’re going to take a look at just that!

For a render thickness, the British Standard Wind Driven Rain Index has come up with 4 ratings which include Sheltered, Moderate, Severe as well as Very Severe. An area with Very Severe rating include South West England. This rating implies that the thickness of the render in this area should be increased to at least 20mm for a direct one coat render applications as well as 5 to 6 external wall insulation base coat applications. And if you happen to reside within one mile of the coast, it’s strongly recommended you incorporate an extra repellent protection like Paraguard AG from Parex.

In general, render that’s prepared on site with cement and sand should be have a minimum of 20mm to 25mm thickness. Although, it should be noted that the quality of the render is based on quality of the sand incorporated, the design mix as well as being largely dependent on how good the mixing technique from the applicator is. The most common reasons why traditional renders fails is due to both poor mixing ratios and low quality materials used.

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.

There are many different types of extension. For example, you could install an orangery, flat or pitched roof extension, over-structure extension, single or double storey extension or a glass box extension. Which one of these is most suitable will depend on your existing property.