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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.

A patio is an outdoor space which can be used for a variety of stuffs which includes fun time with family and friends, reading time or just relaxing as the fresh breeze blows. With all these benefits and more, it’s becomes more obvious that there’s a need to keep your patio in a tip top condition at all times. If otherwise, you may not be able to enjoy your patio to your satisfaction and probably, for as long as you would want. You simply have to provide it with a regular maintenance which involves inspecting and identifying the damages that needs to be repaired before it gets out of hand. Fortunately, the minor repairs can be done by yourself if you’re confident enough. However, for bigger damages it’s advisable to call in a professional for help. In this article, we’ll take you through the patio reparation process.

✓ Prepare the area. This involves removing the problem piece gently and carefully. If there’s a piece you think can still be useful, store it in the re-use pile or you can start a new one. Once you’re done removing the pieces, the next thing to do would be to start removing anything that’s unwanted from the damaged area like debris, unwanted soil etc, and start sand fitting with some fresh sand. This should be levelled out to ensure there’s no bumps.

✓ With the sand down, you can start by putting the pieces back in together. This should be done gently to avoid any further damage. Do this until your patio

✓

If you’re planning to build a small extension on your property, you’ll most likely want to know the length of time it’ll take to complete the home extension. Just like many other home improvement projects, it’s impossible to provide a specific number of day in which your project will be completed as the duration is based on a number of influencing factors. This includes the size of the development work as well as whether or not you plan to live in the house when the work is being done. In this article, we’re going to give you a breakdown of the processes that’s involved in building a small single storey extension alongside the duration for each so you can have an idea of how long your small extension project will take. Let’s take a look!

✓ A small single storey extension will normally take about 3 months to be completed.

✓ Site preparation is the first step in the process and it’ll take up to 2 weeks the dig out the footings and prepare foundations. Followed by a further 2 weeks to fit the damp course as well as any drains required around the extension.

✓ The 5th week is spent on working on the external walls and putting in place blockwork to deliver cavity wall insulation.

✓ The next 2 weeks will be spent on installing the roof structure as well as internal walls.

✓ Once done. The builders will make the structure weather proof and electricians or gas fitters will be on site to add power to the extension. This will be followed by internal walls’ plastering as well as breaking into your main house.

✓ After this, when the plaster is dry and decoration completed, units or furniture will then be installed.

Generally, extensions can be a very tricky undertaking - where it can be quite difficult to have a clear comprehension of the rules, regulations as well as costs. Therefore before you rush in to kick start your ground floor extension project, it’ll be wise to get a good grip on the cost. In this article, we’re going to give you a rough estimate of the cost of a ground floor extension. Let’s take a look!

Just like several other home improvement projects, the cost of constructing a ground floor extension is based on a number of things which includes the size, materials used, your location, the quality of the tradesmen or company hired and lots more. For instance, if you happen to reside in London, the cost of your ground floor extension is going to be a lot higher than the other regions.

The single cost of a ground floor extension should fall within the range of £1,500 per square metre to about £2,000 per square metre. However, if you happen to live in London or the South East, this price can reach up to £1,900 per square metre to about £2,400 per square metre. These prices are for good quality ground floor extensions only. Basic or low quality extensions would naturally cost less while superior quality extension will cost more.

Now looking at the size of the ground floor extension, if you’re looking for a size of about 5m x 5m, you can expect to pay a price within the range of £32,000 to about £36,000. And as usual, in London or the South East, this price can reach up to £50,000 or even more. And that’s just for constructing the extension. If the other relevant costs like the 10 percent to 15 percent professional fees for the architect, planning application (if needed), building regulations and more, the price goes up.

It’s often said that a garage conversion can take anywhere between 1 week to 1 month, depending on the size and scope. But many standard conversions without any plumbing can take as little as 5 days. Your contractor will be able to tell you exactly how long your garage conversion will take.

Fitted wardrobes are the best choice of wardrobe for most households and they’re a popular option for several homeowners for a good reason. Not only are they able to efficiently maximize your space and fit into any space no matter how awkward, but they can also be customized to fit your personal needs to feature custom lighting and many more. So if you’re planning to have one fitted but on a tight budget, you’d probably be wondering how you can install a fitted wardrobe in an alcove by yourself. This is a relatively easy task if you’re attentive to the details, however, if you’re not confident enough to pull this off, we’d advise that you get in touch with a professional who can guarantee the best results for help.

To construct a fitted wardrobe in an alcove, simply follow these steps:

✓ Take a measurement of the available space including the length, breadth and width.

✓ Sketch out what you want the wardrobe to look like while also staying within the measurements. Here, you’ll have to be particular about everything like the drawers, shelves etc.

✓ Build the frames upon which every other construction would be made.

✓ Attach the frames to the wall and floor. Make use of a hammer drill with a masonry bit to drill the holes if its a concrete floor.

✓ At this stage, you’ll have to start building your shelves in accordance to the number you’ll need.

✓ Based on the design in step 2 above, you’ll have to add the door at this stage. This is however optional as some homeowners prefer door-less wardrobes.

✓ The final step is to paint the the finished wardrobe to your taste with your choice of colour.

With the prices of buying a house skyrocketing, many of us are tempted to building our own house. This is sometimes an excellent choice, but you will first need to understand the costs of building a house from scratch. As per a general estimate, the cost of self-build ranges between £300 per m2 to £3,000 per m2.

As you can see, this is quite a variation in price from lowest to highest. Location is a prime factor in determining the costs. Building a house in London and the South is more expensive compared to other regions. Aside from location, several other factors make up the price.

Self-manage with subcontractors

You hire professionals directly like builders and carpenters. You also buy all the materials yourself allowing you to get the best prices.

Hiring a main contractor with other subcontractors

You will first need a main contractor who will help to create the watertight structure for your house. For the rest of the work, try hiring out subcontractors. Make sure that you buy all the materials yourself to get the best price.

External cladding materials

If you are looking to install other external material other than brick, you will also need to factor in the cost for the same.

Here are some example prices:

• Render on blockwork costs around £25 per m²

• Timber cladding is around £25 per m²

• Hand¬made all-weather tiling costs around £54 per m²

• Rubble walling or flint is around £90 per m²

• Reconstituted stone costs about £48 per m²

• Natural stone is about £75 per m²

Make sure to include these costs when coming up with the estimate.

Roofing materials

Non-standard roofing materials tend to add more to the cost and therefore you will also need to account in for this factor.

Here are some examples:

Welsh slate – £60 per m²

Second-hand slates – £35 per m²

Handmade clay tiles – £65 per m²

Reed thatch – £80/m²

If you choose to add any unique material to your roofing, be sure that you remember to factor in its cost.

How Much Is Plasterboard?

Do you wish to install plasterboard in the nearest future? If yes, then you’d probably want to know the amount it’s going to cost. Here, we’ll give you a detailed plasterboarding prices breakdown to help you calculate an estimate for your project.

A plasterboarding project including the cost of both materials and labour with the use of a high quality panels is about £4 to £5 per panel. Therefore, if you wish to calculate on the basis of a standard room about 12x12ft would cost about £500 to £600. However, this price can fluctuate significantly depending on the professional as well as the quality of the materials you wish to incorporate in completing the project. We’d recommend that you hire the services of a professional with accreditation as he would provide you with a detailed quote with no hidden charges or costs. To give you a clearer idea, we’ve taken the time out to put together some estimated costs of employing the services of a seasoned professional plasterer to supply and plasterboard your home or office. Let’s take a look!

• A 6 x 12ft room with panels and plasterboard should have an average cost within the range of £250 to £400 and duration of one to two days.

• The individual cost of plasterboarding or drywalling a standard 12 x 12ft room should have an average cost within the range of £500 to £600 and duration of one to three days. These includes 60% for materials used (£330), 30% for tradespersons (£165) and the remaining 10% for waste removal (£55) to give a total cost of £550.

• A 12 x 24ft room with panels and plasterboard should have an average cost within the range of £1000 to £1200 and duration of three to six days.