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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 However, the only thing that’s holding you from making an offer is the outdated kitchen.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.

If you’ve converted a non-residential barn into a home, you might be able to reclaim some of the VAT that you’ve paid for your project. This includes money spent on:

• Construction materials

• Flooring

• Light fittings

• Kitchen units and worktops

• Electrical, heating and plumbing materials

To reclaim your VAT from HMRC, make sure you request and keep all of your invoices. You’ll also need proof of planning permission and evidence of completion. You should then submit your claim with all relevant paperwork within three months of receiving your completion certificate. You’re only allowed to submit one claim, so you’ll need to make sure you get it right first time.

If you’re thinking about refurbishing your house or property but don’t know how to go about it, then you’ve come to the right place. In truth, not every home refurbishment works goes in exactly the same order, however it’ll do you some good to abide by a specific plan in order to avoid both unnecessary works as well as expenses. For instance, how would it feel if you have already closed walls and paint only to realize that there’s a need to include a new plumbing stack that has to go behind the wall? Not good, right? Well, this guide is designed to help you avoid such frustrating situations. Let’s have a look!

✓ Establish a plan. This involves carrying out a good assessment of what you’d like to refurbish and set the priorities like deciding where to start and making sure you have both the time and budget to complete the project.

✓ Set a budget. Establish a final amount that’ll be the threshold to your spending. It’s always good to add an additional 10% to 15% to cover unexpected costs.

✓ Hire a contractor. Carry out a research, reach out to many contractors, compare their prices, work quality as well as integrity before hiring.

✓ Talk to your insurance company. Find out if you have the amount of coverage that suits your needs from your insurance company before and after your project.

✓ Secure permits and order materials. Make sure you check with the latest regulations before commencement. Once done, you can start ordering the required materials.

✓ Start demolition. This is optional as it only applies if space is being added.

✓ Work behind the walls. This include doing all the works necessary behind the walls like plumbing, electrical, heating etc.

✓ Paint and install flooring

✓ Fit in the cabinetry

✓ Add finishing touches. This includes the last details and decorations.

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.

The best way to go about converting a basement depends on its current condition and what you’d like to use it for.

If you’re happy with its size and structure, and just want to turn it into useful storage space, then your project shouldn’t be too complicated. You’ll simply need to make sure it’s damp proof and waterproof – either by fitting tanking or a cavity drain membrane with a sump and pump. You may also need to invest in new flooring, fit basic lighting, and plaster and paint the walls and ceiling.

If you’d like to turn your basement into living space, then you’ll need to think about ventilation, insulation and heating. If this involves creating a kitchen or bathroom, you’ll also need to incorporate plumbing.

If you want to extend your basement, add lightwells, or fit windows and a sunken garden, this makes things much more complicated. You’ll probably want to hire an architect or basement conversion building specialist to help you with the design and planning, and you’ll need a structural engineer to help you ensure your property is sufficiently supported.

With the ability to add approximately one third of your existing living space ( by converting your old, unused attic) to your home or property without having to let go of your garden, it’s quite easy to see the reason why loft conversion has rapidly grown to become one of the most popular home improvements in the UK. However some homeowners usually shy away from the idea simply by looking at the perceived high cost of carrying out such a project, despite several researches showing that loft conversions offers the best rate of return on initial investment when compared to the other home improvement projects. So exactly how much would it cost to carry out this project?

Just like several other home improvement projects, the cost of a loft conversion varies greatly depending on a wide range of influencing factors. These factors include the size of your home, how old your home is as well as the quality of the fixtures and fittings you want to install. For instance, a high end bathtub alone can cost you thousands of pounds, meanwhile you can also construct a full bathroom suite on just a couple of hundred pounds. However, to give you an idea of the minimum cost of a loft project we’ll look at the most popular types and the minimum cost of each.

✓ Internal Loft Conversion - The most affordable type of loft conversion tends to start from £25,000 and above.

✓ Dormer or L-Shaped Dormer Loft Conversion. These are the most popular types of loft conversion. Dormer price tends to start from £35,000, while the L-shaped dormer starts from £45,000.

✓ Mansard Loft Conversion - This involves replacing the entire side of a sloping roof with a vertical wall and flat roof. It requires a planning permission. The type of loft conversion usually starts from £45,000.

✓ Hip To Gable Loft Conversion - This usually starts from £50,000.

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.

Insulating your loft roof comes with a wide range of benefits. Not only do you get to maintain a comfortable temperature in your house for longer, but you’ll also get to cut down on your heating bills. If you wish to insulate your loft roof, you’ve come to the right place! This process can be very tedious and time consuming especially if you don’t what you’re doing or lack the required confidence to pull it off. It’s advisable to hire the services of a reputable professional who can guarantee the best results for help and also save you some time and money that can come from potentially costly errors.

Before you start rolling out, you’d have to make sure that all cracks, gaps and holes in the ceiling are filled with either a standard filler or decorators caulk. You can also clean between between the gaps in the joists thoroughly. And finally, check for hazards that can cause you problems before getting stated.

• Remember to leave ventilation gaps as you start from the eaves. Then work towards the loft’s centre, starting from the point furthest from the hatch.
• Lay the first layer between the joists which should be 100 mm and then the subsequent layer should be 170 mm to make it up to the recommended 270 mm.
• Carry the electric cables above the insulation and work around visible light fittings.
• Cut the roll in the centre of the floor when rolling out from the eaves on both sides with the help of a craft knife. Ensure that there are no gaps between the insulation and the joists’ edges.
• Lag pipes as you go in order to prevent walking over the insulation to get back to them.
• Ensure that the loft is totally insulated
• Insulate the hatch.