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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.

A dormer loft conversion is a type of loft conversion that’s built making use of a roof’s existing slope. In other words, it’s an existing roof’s extension which is constructed in such a way that allows for an additional floor as well as head room especially suitable for lofts lacking good amount of usable space. The dormer loft conversion is simply an addition to the existing roof looking much like a box-like build constructed onto a pitched roof as it creates walls that are vertical to the slope while also being 90 degrees to the floor.

This type of loft conversion is the most common amongst homeowners in the UK mainly because it represents a cost effective means through which you can add an additional usable space to your home or property. The structure extends for the slope of the existing roof and can easily be altered to suit various tastes or styles. Furthermore, if you’re looking for a type of loft conversion that aids to foster reduced disruption to work, then dormer loft conversion is also your best bet. This is due to the fact that the structure is built from a scaffolding made outside a home.

There are different types of dormer loft conversion and the one which will best suit your property will depend on the property type, be it detached, semi detached or terraced as well as the existing roof shape and size. The dormer loft conversion is a popular choice for a lot of homeowners for a variety of reasons. Let’s have a look!

✓ It’s very cost effective

✓ The dormer loft conversion does not require planning permission so far it complies with certain conditions and limitations

✓ It adds an extra headspace as well as floor space.

Insulating a cavity wall should not affect the damp proofing of the wall. All insulation approved for use in cavity walls has been tested to ensure that it does not allow damp to pass through the wall. Some walls which receive a lot of wind driven rain are unsuitable for cavity wall insulation.

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.

A barn conversion is where an agricultural building is altered to serve a different purpose. Lots of barns conversion projects involve converting an old barn into one or more homes. However, barns can also be converted into other types of commercial building, like offices.

Wall rendering is basically a process which involves the application of sand, cement or polymer covering to a home’s exterior in such a way that enhances its look while also offering an improved stability. The process is a perfect solution for several exterior concerns mainly due to the support its able to provide. It’s highly beneficial for older homes whose walls may suffer from poor quality because of wear over time, while it’s also greatly advantageous for newer homes as it increases their stability while also enhancing their visual appeal.

Knowing how to apply render is a great skill to have with your home’s upkeep in mind. The project can be done quite easily by any competent and confident DIYer. However if you lack any of those attributes, then we’d recommend you get in touch with a reliable professional for help. In this article, we’ll take you through the wall rendering process.

✓ Prepare the walls. This involves examining the wall, repairing any structural defects as well as stabilizing any movements to prevent the render finish from failing.

✓ External details. This includes the removal of bargeboards, rainwater, soil pipes, alarm boxes and all other external details.

✓ Insulation. In the event whereby external wall insulation is to be fitted, this is the stage to do so.

✓ Developing a foundation for the render to fix to. Apply a render mesh over the insulation, bedded into the first base coat layer of render.

✓ Building up the render.

✓ Render finishes. There are a wide range of colour options as well as various finishes available from very smooth to textured. However, you should note that thin coat render systems are usually designed to be self coloured.

✓ Final finishes. This involves the re-application of the external rainwater, soil pipes and the other external details.

Did you try rendering a wall but it doesn’t turn out the way you would have hoped for? Or perhaps you’ve been watching your wall render gradually deteriorate over time. Regard of your purpose, learning how to repair render cracks on wall is usually a great skill to have with your home maintenance in mind. However, whenever these crack are too large or difficult, we’d recommend you call in a reliable professional who can guarantee the best results for help. In this guide, we’re going to take you through the wall render repairing process. Let’s have a look!

No matter how solid a building material is, over time it’ll yield to the elements. When it comes to wall rendering it may be a case of too much sunshine or a costly mistake in the application process, but in truth, it cracks just because it cracks.

In order to repair render cracks, you’d have to start with a removal of damaged or cracked render. You’ll have to remove all the render or just a small section depending on the area you’re working on. If you’re able to clean all of the existing render as well as the paint over it all (both old and new), then removing a small section would work better as it makes it look neat and redone. Upon the removal of the existing render, the next important step would be to remove all loose material as well. Once done, you can then leave for up to 2 days to allow any trapped moisture to come out. Unfortunately, if the rains you’d have to wait till that dries too before you proceed.

Once dried, you can buy a pre-prepared render mix which already contains cement, lime and sand. Mix a 20kg bag with 4 litres of water (or check the product instructions and follow strictly), the mix to a fine consistency. Render is quick to dry, so you’d want to apply within 30 minutes of mixing. Make use of a trowel to apply the render on the affected spots and blend with the surrounding area.

Rendering a house’s external walls is one of the cheapest and most effective ways by which a building can be made waterproof and also good looking. If you’re thinking about rendering your house, figuring out the cost of completion is usually one of the most important things you’ll have to consider before you proceed and if you don’t know where to start, finding an experienced tradesperson who possesses several years of experience as well as the ability to overcome the different issues that he may be faced with while on the project is paramount. If you’re able to get one, however, you should know that they rarely come cheap.

When trying to determine the accurate house rendering cost estimate , a tradesperson will put into consideration a great number of factors. Even at that, a rough estimate still requires both skills and expertise to be able to take into account all the necessary factors. In general, a typical 3 bedroom home in the UK will cost within the range of £4000 to about £5500 for a complete render job on the outside and covering from top to bottom.

Usually, the most important factor which play the biggest role when determining rendering costs is the area that’s going to be covered by the render mix. Professional contractors will provide a quote based on the rendering costs per square metre. Below are some rough estimates of rendering costs of properties depending on their size (without VAT).

✓ For a small mid terrace house of about 40 to 50 square metre, the total rendering cost estimate is £3000 to £4000.

✓ For a large mid terrace house of about 70 to 180 square metre, the total rendering cost estimate is £3000 to £5000.

✓ For a three bedroom detached house of about 100 to 160 square metre, the total rendering cost estimate is £4000 to £5500.