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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.

How To Put Up Plasterboard

Putting up a plasterboard is a vital process when it comes to home renovations. However as daunting as it may seem, with a good guide and regular practice you can master the skill within a small period of time. If you lack proper training and experience, we’d recommend you hire a seasoned professional plasterer for help so as to get the best result and also avoid additional costs due to possible damages.

Putting up plasterboard is way quicker than wet plastering and also significantly reduces the drying time that can slow down your renovation plans. With a plasterboard, you can delve straight into the decorating stage and achieve a smooth finish. Below are the steps required to put up a plasterboard.

• The first step is cutting the plasterboard to shape which be one of the most challenging parts of the process. This is because you’ll need to fit the board around things such as plug sockets and window sills. As a result, this involves cutting complex shapes rather than just a simple straight line. To get this done, simply mark out the cut required with the use of a tape measure, combination square and spirit level for a better precision. Once done, you can then use a plasterboard pad saw to cut along the marked spots.

• After you made the required cuts, the next step is putting up the plasterboard. And depending on where the boards are going to be put, this could be a very challenging task. If you’re going to put the boards on the ceiling or somewhere very high up, you’d probably need an extra pair of hands for help. To get this done, use the appropriate screws to secure the boards in place if you’re installing them directly on studs. However, if you’d be fixing them onto bricks or blocks, a drywall adhesive is your best bet.

Rendering of a house is one of those projects that can greatly improve the visual appeal of your home, enhance it’s energy efficiency, protect the brickwork from the elements and ultimately, add value to your home. Generally, the cost of rendering a house normally costs within the range of £25 to £70 per metre square, while the average cost house rendering costs stands at about £40 per square metre. Therefore, a 3 bedroom semi detached house will cost within the range of £4000 to about £5000.

The total cost of rendering a house is determined by a wide range of factors. These factors includes the following:

✓ Type of the rendering. There are three main types of rendering which includes sand and cement rendering, monocouche rendering as well as acrylic or silicone rendering. However, re-rendering applies to sand and cement sooner and it’ll also have to be painted every 3 to 6 years. Consequently, longer term cost can be higher when compared to the other types.

✓ Ease of access. Where your contractor will have to work around obstacles like shrubs or conservatory, this can make the cost a bit higher as it’ll take longer time to complete.

✓ Prep work. If the contractor needs to fill some cracks or perhaps an old mortar requires tuck pointing before rendering can be started, this will also affect the cost.

✓ Scaffolding. In the event whereby the job requires the use of scaffolding and you’ll have to hire one as a different cost, then the price will be higher.

✓ Your location. Due to the high standards of living and higher demands in areas like London or the Southeast, prices in these regions are usually higher than that of the other regions like Midlands and North.

How To Dot And Dab A Plasterboard

If you want a fast and simple way to achieve a smooth and sturdy wall which is decoration-ready, then dot and dab plasterboard is the way to go! It’s a relative simple process but can also be a bit challenging. Therefore, if you lack the necessary training or experience, hiring a professional would be a great step to protect your investment and guarantee the best results. Here, we’ll provide you with a deep insight into the plasterboard’s dot and dab procedures. Let’s have a look!

• At the thickness of the board with the adhesive, mark the ceiling and floor as well as the wall to indicate the centre of each board.

• Ensure the wall’s height is 15mm more than the plasterboard

• Make a mixture of the adhesive and achieve a thick consistency. Apply a consistent layer of the mixture around the wall’s perimeter, edge of the ceiling and any other openings with the use of a trowel.

• Select dabs that are about 250mm long and 50mm to 75mm wide and apply the adhesive in them. Make use of 3 vertical rows for individual boards. Also ensure to apply, at skirting level, a band of adhesive.

• Position the board’s reverse side against the dabs, and laying against the packers. Then make the board align with the ceiling and floor marks with the help of a straight edge.

• Raise the board till its tight against the ceiling with a board lifter. Once done, use the plasterboard to wedge the board into place before you remove the board lifter.

• Repeat the same process for the remaining parts of the room. Once completed, make sure the adhesive is set before you remove the boards.

Do you know about 25 percent of heat that escapes from an uninsulated house are lost through the roof? Fortunately, roof insulation is something that can done by all DIYers irrespective of their experience levels. However, if you happen to lack the confidence necessary to pull off this, then it’s strongly recommended that you hire the services of a professional who can guarantee the best results and also save you time and money that could arise from potential cost mistakes. Let’s take a look!

• Clear out all clutter. This involves taking out all the rubbish and clutter from the loft. In order to work effectively, you’ll need a totally clear and empty loft space.
• Ensure that there’s sufficient insulation. The importance of a good ventilation cannot be overstated. Poor ventilation will result in forming of condensation and this condensation can make the roof timbers rot and compromise the structural integrity of the entire roof. If there are no roof windows which is the easiest way to provide a loft ventilation, the next best option would be to follow the loft floor along to the point where the roof comes down to meet it. There should be a gap at this point, also referred to as the eaves, between the outside wall and the underside of the roof.
• Measure your loft area. Take a measurement of the loft space in order to calculate the amount of insulation as well as the type you need. If you’re not sure, always get more that it’s required as skimming on the amount you use will only back fire in form of increased energy costs
• Check for water pipes.

To get started, simply make sure all cracks and gaps in the ceiling are filled using a standard filler or decorator caulk. Once done, clean the gaps in the joists and even to the point of hovering all the dust up. Finally,check for the hazards that can cause you problems before laying the loft insulation.

If you’re considering rendering your house or property, then you’d most likely want to know whether or not applying for a planning permission will be needed. In several cases, planning permission will not be required for the maintenance, repair as well as replacement of the existing render on your building. These activities are covered by what’s called “Permitted Development Rights, which allows you to carry out some activities without having to apply for a planning permission but always subject to following some strict guidelines. For rendering, as long as the material (render) possesses an identical appearance to those existing on the house as well as same colour, then you will not require a planning permission. However, there are a number of projects that have been highlighted in which a planning permission would be required. These includes the following:

✓ Re-rendering in a colour that different from the original one used on the house or building.

✓ Rendering over brickwork which was not originally covered.

✓ Rendering over pebbledash

✓ Removing pebbledash and replacing it with render.

Another exception to the Permitted Development rights are for houses in conservation areas, national parks or areas of outstanding national beauty.

Although, you wouldn’t normally require to submit a planning application for approval before you apply render, but in truth it’s actually a bit of a grey area which isn’t totally clear and doesn’t allow for much freedom or creativity. And due to this fact, homeowners who wants an absolute peace of mind may opt to apply for planning permission just in case. It’s also worth noting that whether or not a planning permission is required, a huge rendering work will need to comply with building regulations which includes the need to insulate walls on the inside or outside as part of the work on several older properties .

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.

There’s a huge range of different types of loft conversions. The most common are dormer and skylight or Velux conversions. There are also hip to gable and mansard conversions. The type of loft conversion that’s most suitable for your property will depend on the style of roof and the size of your loft.