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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.

So you’ve identified the type of garden room you’d like to construct in your property, chances are, you’ve already worked out where to put it and can’t wait wait to start spending valuable time on it. It’s very understandable to be a little impatient with the whole idea considering the numerous benefits provided by a garden, but just before you proceed with your plans there’s the need to first check whether or not you’re going to need a planning permission.

Factors determining whether you’ll need a planning permission includes where you intend to place it, the size of the room, how it’s going to be used as well as your location.

Generally, most garden rooms do not require a planning permission as they are categorized as outbuildings. In other words, you’re permitted to construct one so far you comply with some specific rules and have permitted development rights at your home or in your area.

If you want to build your garden room under permitted development, you have to comply with the following rules:

✓ The garden room shouldn’t be in front of your home or property.

✓ The total area of your extensions, sheds and outbuildings ( which includes your garden room), must not go beyond 50 percent of the total land area surrounding your property.

✓ It must be a single storey that’s less than 3 metres high ( 4 metres for a dual pitched roof). And it must not go beyond 2.5 metres in height if the structure is within 2 metres of your boundary.

✓ The eaves must not go beyond 2.5 metres above ground level.

✓ It must not feature a balcony, veranda or any raised platform

✓ It must not be a self contained living accommodation.

You should note that if your home is a listed building or you happen to live in a designated area, then you might not have permitted development rights.

If you have a loft, then the next thing that’s crucial is a loft insulation. Asides from cutting down on your carbon footprint, when you’re able to install an effective loft insulation you can slash your heating bills by up to £250 per year. What’s more? Besides making your home more energy efficient, it can also increase the value of your property a great deal. So if you’re also considering the insulation of your loft, one of the few things that comes to mind is, what loft insulation is the best to incorporate? In order to help you make the best informed decision possible, this post is going to address this issue and put you on the right path.

In truth, there’s no way to say exactly which type of insulation is the best as all types usually have a different purpose as well as usage. The insulation you choose for your home’s loft is be based largely on the how you’re going to make use of the space as well as any unique challenges you might face given the shape of your home’s loft. Below are some types of insulation to give you a better idea:

• Blanket insulation. This is the most common type that comes in rolls of rock, glass or mineral fibre ( or foil-backed felt ). It normally the most affordable and also a good all-purpose insulation which is easy to fit although not suitable for the roof.
• Loose-fill insulation. This type of insulation features a loose, lightweight material such as cork granules, cellulose fibre, mineral wool etc. It can either be incorporated as a top up or on its own. The primary drawback is it isn’t very secure and can also be very messy.
• Sheet insulation. This is the best solution for the roof’s underside as it offers a highly effective insulation for your loft space and can also be decorated over. The drawback here is that it’s usually the most expensive type to purchase and install.

Typically, loft conversions do not require planning permission except in certain situations. They’re usually covered under what’s known as Permitted Development. Certain building works like loft conversion, rear extension and conservatories are granted planning permission by local authorities. Permitted Development, however, gives you a free range to improve your home without having any issues from the councils or regulations. Before your planned loft conversion can be covered under Permitted Development, there are some certain criteria that must be met. This criteria includes the following:

✓ The extension must not go beyond the existing slope of the roof at the front of the house.

✓ The loft space converted must not go beyond 40 cubic metres in a terraced house.

✓ The roof’s height must not be increased by the extension.

✓ The loft space converted must not reach beyond 50 cubic metres in a detached or semi detached house.

✓ The plan for the extension mustn’t involve structures like balconies, verandas or anything other structures of this nature.

✓ The roof extension should be positioned as far back as possible or at least 20cm from the existing eaves.

✓ The side that faces the window openings should be at least 1.7m beyond the floor and the windows should also be obscured.

✓ The roof extension must not overhang the existing roof or wall of the house.

✓ The materials that are to be used must be similar or the same to the materials that has already been used on the house’s exterior.

However, you should bear in mind that there are some properties that are exempt from Permitted Development. Examples of these type of properties include conservation areas, Areas Of Outstanding Natural Beauty and World Heritage sites. Permitted Development does not also provide coverage for listed buildings.

There is a variety of methods available to ensure that your paving drains properly, for example draining into a lawn or soakaway. Correct drainage of paving is a requirement for planning permission. See our guide on planning permission for paving for more information.

A double house extension is basically a construction to any aspect of your house that elevates up to offer two floors of space. It can be structured to suit your existing home in two storeys or as a side wing on a taller property. If you’re considering building a double house extension, then estimating the cost is a very important task to do before commencing the project. In this article, we’ll give you an idea of the cost of a double house extension so you can estimate yours accordingly.

The double house extension cost depends on several factors that’s specific to your home as well as your design choice. These includes:

• Location of your property. Places like London and the southeast will generally cost more than the other regions due to higher demands.

• Accessibility of the site. The ease of your site’s accessibility also plays a key role in the price.

• Size of the extension. The more the extension’s size in footprint and square metres, the higher the possible costs.

• Materials used in making the roof as well as the complexity of the roof design.

• Your choice of finishing. These includes flooring window and door frames, glazing, underfloor heating and roof lights.

• Your property’s soil type. Different types of soil requires varying treatments as well as materials to develop solid foundations.

Constructing a double house extension is a quite simple build in terms of technicality when its to the side or rear of your house as this can also help you save some money. Generally, considerably expanding your home’s space by building a double house extension will cost within the range of £1,500 per m2 to about £2,800 per m2.

External wall insulation works to keep your home cosy and comfy while also helping to cut the energy bills. However with the great benefits also comes great costs, so it’s actually a logical decision to know whether there are grants out there which you’re eligible for to help you handle the cost of the external wall insulation.

There are grants available for external wall insulation, but rarely will you find one that covers the full installation cost. With the help of the government’s Energy Company Obligation (ECO) scheme, a couple of energy companies assist in making your home more energy efficient by offering grants or free insulation. In certain cases whereby you receive particular state benefits, you may as well qualify for a higher grant that’ll cover more of the insulation cost.

However, if your energy supplier doesn’t offer any grant, you need not worry as you can save as much on energy bill after installation. Here’s what insulation can help you save per year on energy bills:

• Floor insulation can help you save within a range of £30 to £75 each year.

• Cavity wall insulation can help you save about £85 to £280 a year.

• Loft Insulation (270mm) can help you save about £135 to £250 a year.

Generally, the amount you’ll be able to save on your energy bills depends mainly on the type and size of your property, as well as how energy efficient it already is without the insulation. In the long run, your external wall insulation will more than give you back your investment on the valuable project through your savings on energy bills. In other words, whether or not you’re eligible for a grant should never stop you from installing an external wall insulation.

For 2 metre solid fences it’s recommended to use concrete posts to support each panel. For smaller 1 metre fences or for picket fences with gaps between each timber piece you can use timber posts. A fencing contractor will be able to advise you on the best materials from the length and requirements of a new fence.