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It can be very hurtful when you’re looking to get a house and then identifies one that’s almost perfect, but that one thing that’s lacking is significant enough to prevent you from making an offer. For instance, you may like neighbourhood, the lot’s size, the number of bedroom and lots more. However, the only thing that’s holding you from making an offer is the outdated kitchen. This is the point where you wonder whether a mortgage can include the cost of renovation. In this article, we’re going to give you a good insight into this and more. Let’s have a look!

One of the major things your lender will put into consideration when you apply for a mortgage is the price of the property in question. For instance, so you’ve found your “almost perfect home for let’s say £400,000 and the cost of your intended renovation work runs up to about £150,000. In this event, you’re definitely going to find lenders who wouldn’t be too keen to let go of their cash. And that’s mainly due to the fact that lenders are only able to afford you, at best, 95 percent of the purchasing price. In other words, if you really want the house, you’ll have to finance it yourself no matter how much potential you think the house possesses.

This, however, does not mean that you can’t find some mortgage lenders who’ll allow for building costs. They exist, but this will mostly take place when the work is complete and the property is revalued. You may also be lucky enough to get a purchase plus improvements mortgage which allows you to renovate now and pay off the renovations over time at a better interest rate than other loan types.

Are you interested in constructing a porch to your property? Estimating the cost of the project before proceeding will solve a lot of possible headaches in the future.

A porch is great place where you can keep your shoes, jackets, dog leads as well as other items to create free space within the property. Apart from this, a porch also serves numerous other purposes to make it a very good structure to have on your property. Not only is it a good means to put a roof over your head when it’s pouring with rain, but also a highly economical way to add floor space to your home. The question, however, how much would it cost to build a porch?

The price of building a porch is based on a wide variety of factors such as the type of materials required, the size of the porch, location of the structure and lots more. As a result, you should note that this guide provide figures that are only a rough guide that’ll put you on the right direction to make informed decisions.

Depending on the type of porch you choose to build, the average cost range from £1,900 to £2,100 for a uPVC porch and up to £10,000 for a lean to porch. There are other types of porch including the traditional porches ( Edwardian and Victorian porches) costing within a range of £2,500 to £8,400.

The materials required also has a great influence in determining the price of a porch. An aluminium porch will cost between £7,5000 to £8,200, while a brick porch will cost slightly less between the range of £2,000 to £8,000. They can both be constructed either as a front porch or as a rear porch, but due to fewer restrictions on aluminium porch, it can be made a lot larger.

Well the reality is, sometimes, neighbours just don’t get along. With several individuals living in close proximity, it’s little surprise they tend to get on one another’s nerves from time to time. However, there’s a difference between having a tiff and being able to transform your house the way you want without having to obtain your neighbour’s approval.

The short and simple answer to this question is, not necessarily. However, you must first educate yourself by thinking about your extension and how it affects the houses around you. We’d strongly recommend you talk proposals through with your neighbour so as to avoid possible conflicts later. There are a number of reasons why your neighbour can protest to your new home extension plans. Let’s take a look!

• In the event whereby your new extension is blocking their view or providing an unwanted shade on their property. Here, they have a legitimate reason to protest as no one would want their once sunny garden suddenly covered or plummet into shade.
• In the event where it leads to a loss of privacy. For instance, if your new extension possesses a window which overlooks the neighbour’s property in any way. This is likely to be taken as an invasion of privacy and that has a little to no chance of being a welcomed idea.
• If it’s a major project and going to take a lot of weeks before completion. The noise generated, especially when your neighbours are enjoying your summer holidays or weekends, can make their gardens not as relaxing as it used to be.

The best type of insulation for your property will depend on the type of walls and any insulation that’s already present. It’s usually a good idea to have some form of wall insulation as well as loft insulation, as this helps to prevent heat loss in both areas.

Do I Need Planning Permission For A Loft Room?

The answer to this question is maybe. Generally, loft rooms are covered under “Permitted Development which means you won’t need to apply for a planning permission to build a loft room. This is like an advance planning permission provided by local authorities to allow some particular building works to be done such as loft conversions, rear extensions and more. When you’re covered by a “Permitted Development, you’re given the free range to oversee your home’s development without much interference from the regulations or the council. However, for permitted development to apply, there are some specific criteria that must be met. Therefore, if your loft room does not meet the following requirements given below, then you must complete a planning application before proceeding.

• In a terraced house, the converted loft space must not be more than 40 cubic metres.

• In a detached building or semi detached house, the converted loft space must not be more than 50 cubic metres.

• The existing roof slope at the front of the house must cover the extension made.

• The extension should not increase the height of the roof in any way.

• Verandas, balconies and any other structures of this nature must not be included in the extension’s plan.

• The side facing window openings should be at a minimum of 1.7 metres above the ground. The windows must be obscured as well.

• The roof extension should be set back as far as practically possible. It should be at a minimum of 20cm from the current eaves.

• The roof extension should not overhang the house’s roof or it’s wall.

• The materials to be incorporated must be the same or at least similar to what you already have on the house’s exterior.

Are you thinking about converting your garage into a new space? Be it a new bedroom, gym, library or playroom, one thing you’ll have to consider before getting started is whether or not you’re going to require a planning permission. Unlike extensions that needs additional space, garage conversion is all about changing the existing structure of a space that’s already available to you - your garage. As a result, these projects are mostly covered by a planning policy that’s a bit different.

For a garage conversion, it’s very unlikely that you’ll need a planning permission. As a matter of fact, only 10 percent of garage conversions has been estimated to need a full planning permission, with the others coming under the permitted development rights. The permitted development rights, however, only provides coverage for home improvements that’s internal which implies that so far you’re not trying to enlarge your garage, you’ll not require a planning permission. But if otherwise, you’ll have to submit an application before commencing your project.

If you’re looking to comply with the permitted development rights, then your project must comply with some specific guidelines. These rules include the following:

• The work should be internal. No plans to enlarge or extend the existing garage.

• You should make sure that the materials used in carrying out the garage conversion is the same with the materials used in building the existing house.

• The building should not be extended.

You may, however, require a planning permission if you’re going to change a detached garage into a living space which could be a bedroom, small annexe or a living room.

Some houses excluded from the permitted development rights include flats, listed buildings, some new developments and most homes in a conservation area.

Do you want your house to be built using brick? Or perhaps you just require the professional services of a bricklayer. Regardless of your bricklaying needs, the cost charged depends on each job as every job is unique. Bricklayers generally look at each task individually and charges based on the complexity of each. We’ve put together this guide to give you an idea of the costs charged by bricklayers. Let’s have a look!

Generally, bricklayers charge either based on a daily rate or a fixed price for a particular amount of bricks ( usually a thousand bricks or 10 - 12 metres square). On the average, an experienced bricklayer can charge within a range of £150 to £200 daily rate and if a labour is needed for the job, an additional £60 to £100 may be included to get the job completed in a quick and fast manner. If the quoting is done based on the number of bricks to be incorporated, then a thousand bricks will be quoted in between £350 to £450 which should be completed in a couple of days.

You should however take note that most times, the bricklayer’s cost will depend on the amount of work involved in the project. As a result, a more tedious and challenging project will most definitely cost more than a simpler one. Examples of some difficult projects that’s likely to cost more are hard to reach areas, difficult sites as well as second storeys which are considered to be more challenging than single storey buildings. What’s more? The complexity of the project is also a great cost factor. While some projects are basically direct and straightforward, others involve curves and more complex designs which will ultimately make the cost jump up.

If you’re planning to construct a kitchen extension on your property, one of the first things that comes to mind is whether or not you’ll require a planning permission before you proceed. Generally, kitchen extensions are normally classified as permitted development which allows you to carry out your project without any interruptions from the law or your local authority. In other words, if your extension is meets up with the guidelines of the permitted development rights, you won’t have to apply for a planning permission. However if otherwise, you’ll have to apply for a planning permission to your local council and may require additional reports. And regardless of your position, you’ll always need building regulations approval before you can carry out any kitchen extension project. It may also be required that you’ll have to issue a part wall notice if you’re to build on or close to the boundary with a neighbour.

If you don’t want to go through the hassle and stress involved in applying for a planning permission with your local council, then you must ensure the following:

✓ Your kitchen extension must not be over half of the area of land around your main house.

✓ The kitchen extension must not be side elevation onto a highway or forward of the principal elevation.

✓ The extension must not be taller than the highest part of the roof.

✓ The height of your kitchen extension must not go beyond four metres.

✓ Kitchen extension that’s more than one storey must not go exceed the rear wall of the main house by more than three metres.

✓ Two storey kitchen extensions must not be closer to rear boundary by anything less than seven metres.

✓ The kitchen extension must not include balconies, verandas or any raised platforms.