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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.

If you’ve decided to construct a porch to your property and now looking to figure out the cost required to complete the project, then you’re at the right place!

There are many factors that comes to play when determining the price of building a porch. These factors includes the size of the porch, the number of windows, the style of the roof as well as the type of the porch selected. Now let’s take a look at these factors one after the other.

• The Porch’s Size

As you would have correctly imagined, a large porch will definitely cost more money than a smaller one. A rough estimate of a porch’s cost per square metre is approximately £1,400.

• The Number Of Windows

Just like in the scenario above, the more the number of windows to be incorporated, the more money you’ll have to pay to complete your porch. A porch window will generally cost you within a range of £300 to £1,000

• The Style Of The Roof

There are two popular styles of porch’s roof which includes a tiled rood and a rubber flat roof. Generally, roof tiles are costlier than a rubber flat roof. A tiled roof would cost you between £0.80 to £1.80 per roof tile, while a rubber roofing will cost your between £70 to £90 per metre squared.

• Type Of The Porch

Another huge determinant of a porch’s price is type of material incorporated. For instance, if your preferred type is a lean-to, the price of a uPVC would be between £2,300 to £2,700. Meanwhile, a flat gable roof porch should cost within a range of £3,300 to £3,800.

Kindly note that the costs quoted in this article are only rough estimates, for a more accurate estimate you can contact a porch building professional within your local area.

If you’re planning to acquire Sharps fitted wardrobes, one of the first few things that comes to mind is the cost to make such an acquisition. Generally, prices of these items can vary significantly. However, you should note that the more affordable end of the spectrum is most likely going to be around £750 to £900 per lineal metre, while mid range Sharps fitted wardrobes are usually within the range of £1400 to about £1600 per lineal metre. And finally, the high end customized Sharps fitted wardrobe are possibly going to be within the range of £3000 to £3500 per lineal metre.

The price of the Sharps fitted wardrobes is mainly determined by the fitted wardrobe solution your opt for. So let’s look at the estimated price range of Sharps fitted wardrobes depending on the styles you want for your home or property.

✓ There are the stylish, mordern sliding doors Sharps fitted wardron=be with mirrors that’ll make your room feel a lot bigger. If the type you opt for possesses three sections, then you’ll should expect to pay a price within the range of £2800 to about £3600 to have it fitted depending on the size of the room as well as the chosen finishes.

✓ Handcrafted, bespoke fitted bedroom wardrobe. This will cost about £2500 to £2900 with simple design details but the price can increase with ornate features like mouldings etc.

✓ Large bedroom 3m 80ccm three sections six door. This normally features finishes on both the interior and exterior as well as hanging space for clothes. It’s usually around £4900 or more.

✓ Simple two section closet. The price of this fitted wardrobe is usually within the range of £3200 to about £3500, but it could also be more depending on the design details you wish to implement.

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.

No matter how big or small a building is, it can only be as good as it’s foundation - and that’s a fact! It all starts from the footing and when it isn’t deep enough, unlike badly installed gutters or gapped hardwood flooring, can make the whole building collapse to the ground. Just like any code recommendations, the depth of the footings of your porch is a parameter that must be complied with and adjusted to suit your local code requirements.

As a rule of thumb, you should always dig below the frost line when excavating your footings. At this depth level, the moisture present in the soil will be frozen. Ultimately, this will help the ground to act as a barrier to insulate the soil below the footing from freezing during the cold months. As a result, in regions where the weather is almost always very cold the depth of your footings is expected to be at least 48 inches. But in areas featuring a warm climate, you may be allowed to install your footings on grade.

In addition, it’s compulsory that your footings must be installed at a minimum depth of 12 inches below unsettled soil. However, if you’re constructing the structure into a steep hill’s side or by the side of a retaining wall, it’s required that you maintain the least distance to grade both vertically and laterally. In the event whereby you need to achieve a good lateral barrier, you’ll need to have your foundation dug a lot deeper compared to if it’s on a flat surface. For a more accurate and updated information, you can consult your local building inspection department to get familiar with the requirements in your area.

After making the decision to refurbish your home or property, the next obvious step is finding the right builder to get the job done. The process of getting a good and reliable builder can be a very tricky one especially when you don’t plan ahead. And in truth, the outcome of your house refurbishment project can only be as good as the contractor your hire. Consequently, finding the perfect builder for your task should be a top priority to get the best return on investment. Here are a few sources that will put you in the right direction to finding a reliable home refurbishment company.

✓ Friends, Relatives & Neighbours

If you have a friend, relative or neighbour that have recently completed a home refurbishment project, you can go for a visit to check out the work done. If you’re pleased with the work, you can proceed to ask about the work ethics of the builder and get the contact if satisfied.

✓ Internet

With the rapid rise of online technology, there’s hardly a service you can’t find on the internet. Websites like HomeAdvisor have been helping people find their desired service providers with relative ease for so long. To get the right building contractor online, it’s advisable to check reviews as well as testimonials before moving forward. Nowadays, you’re most likely going to find so many positive online reviews as some businesses now go to the extent of dubiously writing good reviews for their companies. As a result, it’s recommended to pay closer attention to the negative reviews and check if it’s something you can cope with before hiring a contractor.

✓ Store Contact Lists

You’ll discover a long list of building contractors on several stores trading building materials. These builders may not be affiliated with the store owners, but many stores see it as their responsibility to point you in the right direction so that the building materials acquired from them can be put to good use.

External Wall Insulation (EWI) is the act of insulating a home by fitting insulation to the exterior parts of the building which in turn improves thermal performance, cuts energy consumption ( savings on energy bill) and also adds to the home’s visual appeal. The systems are built in multiple layers, with the insulation board offering a plethora of options with each being suitable to varying projects and their needs. Installing an external wall insulation comes with a variety of benefits, let’s have a look!

• Thermal Performance Improvement

With EWI, the thermal inertia of the walls are greatly enhanced while also restricting the loss of heat. Ultimately, this lowers heating costs, enhances the comfort of indoor thermal and also reduces CO2 pollution.

• Eliminates Noise Pollution

When the noise levels are high, it can have a bad impact on our overall well being. A great way to reduce the disturbances from the outside like traffic noise is by fitting an External Wall Installation system.

• More Comfortable Living Space

Do you know the damp in homes can contribute to respiratory problems? A properly insulated home will greatly limit the impact of condensation by combating the damp issues. As a result, you can always expect your house to be cosy and comfy irrespective of the season. A cooler summer and warmer spring is guaranteed with EWI.

• Enhances The Property’s Visual Appeal

Looking for an excuse to rejuvenate your home’s aesthetic appeal? Well, you can as well try out adding an EWI system. There are a plethora of unique colours and styles you can pick from to beautify your home effortlessly.

• Adds Value To Property

An insulated home will generally cost more than an uninsulated one at the time of resale. Potential home buyers are more interested in the acquisition of a home with an EWI system due to its various benefits - and a higher demand can only imply a higher price!

With the numerous benefits that comes with the installation of an external wall insulation in a building, it’s also important to find out whether it’s also safe before proceeding to fit one in your home. Firstly, to ensure that external wall insulation systems are safe, they must be BBA approved, which means they’ve been subjected to a thorough testing by the British Board of Agrement and therefore, suitable for use in UK homes.

Given the fact that cladding materials have recently generated a lot of debate and negative press about how reliable some particular materials are, questions are being asked of the safety and reliability of external wall insulation. However we must clarify that, although external wall insulation can be classified under cladding, it is very different to rainscreen cladding - which caused the Grenfell fire tragedy.

External wall insulation is completely safe. However, when it comes to fire, the safety of your system depends largely on the insulation type in question. The safest type of insulation you can have installed is the Rockwool insulation boards which are rated as Euroclass A1 non-combustible. The board is specially designed in such a way that it contains fire - preventing it from reaching the other areas of the building. They also do not produce harmful emission or smoke when impacted by fire.

Meanwhile, the Wood Fibre, is also a great insulation which is known to char and not burn. Contrary to many beliefs, it actually burns slowly creating this charring effect which produces an oxygen barrier that helps reduce the spread of fire.

To make your system safer, you can also make use of Fibreglass Mesh for reinforcement. It helps to improve the strength of the tensile which promotes the security of the boards attached to the wall.