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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.

External cladding will have an impact on a damp problem. However, it’s important that cladding is the last part of a damp treatment, as installing cladding over a damp wall will make the problem worse. Do not cut corners or try to remedy a problem with the cheapest solution, a damp proof course may need to be put in place before cladding.

As with every home development project, a home makeover comes with heaps of preparation and, hard work, but it is a remarkable way to breathe new life into an old home.

RESEARCH PERIOD FEATURES AND SAFEGUARD THEM

Get to know your household better, the time it was constructed in, and the kind of individuals who would have lived there. The greatest tactic is to repair current structures, make the house dry and safe.

CHECK FOR RENOVATION RESTRICTIONS BEFORE YOU START

There are certain restrictions that don’t allow you to remodel your house after a certain extent, it should be made clear to you when you purchase the property but if you are unsure about the regulations you should check them up, as it is a criminal offence to carry out unauthorised work to a listed home. Restrictions in Conservation Areas generally affect only the exterior of the property as the intention is to ‘preserve or enhance the character or appearance’ of an area, but the right to develop your house will be affected. This means the kind of work that you could have easily completed in a different location may need certain planning and even permissions to complete in your area.

CREATE A DESIGN FOR YOUR HOUSE RENOVATION

It is very important that you take your time to perfect the design. This will help to ensure that the finished work is in tune with your needs. You will also need to figure it out how the changes might play with the original building.

FIND THE BEST CONTRACTORS FOR YOUR RENOVATION

If you are planning on managing the renovation project yourself, it is advisable to ask from friends or family who have renovated their house before and have undergone a similar experience. They can help you find the right architect and builder. Or else, you can always opt for a project manager.

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.

Damp issues on a property are usually generated by a lot of factors such as a poor or broken guttering, condensation and lots more. The question arising here is what is the possibility of External Wall Insulation (EWI) preventing condensation? Not only is EWI a reliable way to reduce condensation-caused damp, but it’s also one of the major reasons property owners in solid wall homes consider thermally rendering or cladding their external walls.

Condensation arises as a result of warm moist internal air hitting a cold surface such as the steaming up of both windows and mirror when having a shower. What happens here is the condensation of the water vapour in the air from a gas to liquid in the process of touching the cold surface - one whose temperature is significantly reduced to reach the dew point. At the dew point, condensation is very rampant, and to tackle this issue you’ll have to heighten the wall temperature in order to convert the moisture to vapour and permit it to pass through the wall. And that’s exactly the job of an external wall insulation!

To get started you must ensure that the walls are clean and dry prior to fitting the external wall insulation. The month of May through to September when the weather tends to be dry and more stable are usually the best period to carry out the project. The external wall insulation will function just like a cosy blanket around the building. Ultimately, changing the feel and temperature of the inside of your home. As a result, the previously cold walls will no longer be cold which goes a long way to mitigate the effects of condensation. Furthermore, when an EWI is installed, the rooms of your home will automatically trap more thermal mass as the heat is saved in the walls’ fabric and released back when the temperature drops.

Refurbishing a house brings about a plethora of benefits. These includes an increased sale value, an improvement on your quality of life or even simply to make it more visually appealing. All these are great when you look at them, but one thing that happens to be an hindrance for several homeowners is the cost of getting the project done. You may wish to set a budget, plan and prepare before commencement of the project, but the fact remains that, when it comes to refurbishing a house, nothing is certain. In fact, it’s advised to always expect the unexpected and have a lot of cash in reserve just in case something goes wrong. There are a wide range of factors that can play a key role in the overall cost of a house refurbishment. Minor refurbishment that should cost around £30,000 can easily go up to over a whooping £150,000 for a total transformation. Most of this cost will be expended on labour, and the next most significant expense, which is sourcing materials.

In general, the cost of your refurbishment project will depend on some factors which includes the size of the project, the materials used, the refurbishment or renovation level, the location of the property, the quality of the contractor hired and lots more. To estimate the cost of refurbishing your property, you can follow these simple steps:

✓ Write down a detailed list of all the things that needs to be done per room and try to be as specific as possible.

✓ Carry out a research of the labour cost in your area as well as the raw materials’ cost (here, you can make use of guides such as home advisor).

✓ Add an extra 10 to 15 percent on top of the calculated estimate for uprisings and repairs.

✓ Talk to your contractor to get a more accurate quote.

More often than not, several homeowners fail to realize there’s so much value sitting right under their roof - the loft. When a loft is insulated, there are so many juicy benefits that can be derived. It can go a long way to save increase you energy savings and several more functions. Therefore, if you really wish to maximize the space under your home’s roof, you’d have to considering insulating it. So how much would it cost to have your loft insulated? Here, you’ll discover the cost of insulating your lofts so you that you can set a budget and start to plan.

The cost of insulating a loft is actually affordable for several individuals, however, this depends on a wide range of factors such as the size of the house as well as the type of insulation being installed. One significant factor is the insulating material that you choose to install. If done properly, you’d be able to prevent heat from escaping through the roof of the house which helps improve energy efficiency and ultimately, save you some money on heating bills.

If you’d prefer to make it a DIY project and you go for a blanket insulation it costs about £5 per m2. therefore, this will cost within the range of £100 to about £150 for a small home.

For a professional service, you’ll be provided with a quote for both the materials and labour. The amount will be based on the number of insulation required, the company hired, your location as well as the method selected. The price to purchase and install blanket insulation  would be between the range of £300 to £400 depending on the size of your home.

Driveway surfacing materials like concrete, asphalt and clay brick usually crack because they’ve been exposed to extreme temperatures or put under high pressure. It’s important to repair driveway cracks before they get worse and cause damage to vehicles and perhaps others to trip on raised cracks.