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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 However, the only thing that’s holding you from making an offer is the outdated kitchen.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.

Yes. Most extensions will add substantial value to your home, and you may find that the extension adds more value than it cost. However, it’s important to be sure that the home remains balanced. Extending your garage and leaving your property with no parking spaces, for example, may impact your ability to sell.

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.

Rendering is an external wall’s plastered finish which provides a smooth finish while also protecting the brickwork from the elements like rain, snow and the likes. The traditional rendering is normally applied in two or three coats which enables it to be more resistant to surface cracks. In modern times, the finishes are largely different from the grey pebble dash of post war housing. Today, we now have a plethora of specialist products to pick from such as through-coloured silicone renders as well as one coat renders. The types of renders include the following:

✓ Cement renders. These are the common option that are usually mixed on site and used in a number of applications, then painted when dried. There’s a need to paint this type of render regularly to keep them looking great.

✓ Polymer renders. These are pre mixed and mostly pre coloured (usually with through colouring).

✓ Through-coloured products. These rendered do not need to be painted as the pigment is already added in the manufacturing process to colour the whole render.

✓ Lime renders. These are superior to cement as they’re less likely to trap moisture in the brickwork and also more good looking. However, they’re generally more costly and more difficult to apply.

Overall, rendering on a house provides several benefits. Not only is it able to protect your brickwork against the elements like the rain and wind, but it can also make the building more efficient. Being fully aware that about 30 percent of the energy used in heating a home is lost via the external walls, making use of a product such as acrylic insulated render is a smart approach to improve your home’s energy efficiency without affecting your interior living space.

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.

When your driveway is suffering from depression, it becomes unsafe for driving (a danger zone) and ugly - no homeowner wants that! Unfortunately, most driveways won’t hold flat for long as they tend to develop cracks and potholes pretty quickly. Here, we are going to take you through how to fill asphalt driveways’ depression so as to ensure the sinkholes in your driveway poses no threat to you or your loved ones, while also beautifying your property. The approach to be used depends on the intensity of the depression. If its only a few cracks and holes, this can easily be repaired with some equipment. But if otherwise is the case, then calling a reliable professional will be your best bet. In this article, we’ll show you how to repair dips in your asphalt driveway relatively quickly.

✓ Pick a date with warm and sunny weather. This is because if you work in a cold weather, chances are the materials will freeze and hence, unusable. So find a day when the temperature will over 50 degrees Fahrenheit and below 80 degrees Celsius and when there would be no rain. We’ll advise a day between May to October.

✓ Prepare the area. Remove all loose stones, soil, dirt as well as vegetation from the holes. Once done, you can then proceed to washing the area with a pressure washer or sweep with a broom.

✓ Apply a thin mixture of asphalt to the area. Use a flat stirring stick to coat the low driveway area with a thin mixture of asphalt.

✓ Tamp the asphalt repair mix. Purchase the right kind of asphalt to repair the driveway. Fine aggregate asphalt mixture is more suited to filling small holes, whereas the coarse aggregate is more suited to filling larger holes. Apply layers ( about 2 inches each time) of the asphalt repair mix to the sunken area and use a shovel to give it a smooth finish. Once done, simply make the area smooth and protect it with a piece of plywood. Do not walk or drive on the area for a couple of days.

How Much Does A Loft Room Cost

In the event whereby you happen to run out of space in your home and extending sideways or moving out isn’t even a considerable option, the next best solution is to look upwards - the loft. The loft can be converted into a room that can used to satisfy varying purposes, be it a storage room, bedroom, home office, spare bathroom and more. There are a number of loft conversion styles you can go for including a room in loft conversion, dormer style conversion, mansard conversion, or a hip-to-gable conversion. Regardless of your choice, each of the types will not only give you new rooms to enjoy but also add value to your home. However, before getting started, it’s crucial to have an idea of the loft conversion cost to help you prepare a budget and begin planning. Here, you’ll discover the most likely loft room cost for each conversion style you opt for.

• Room In Loft Conversion

This is only suitable for some specific home, but it’s however the most affordable option of the lots. This loft conversion style will cost within the range of £15,000 to £20,000 (prices can be higher in regions where tradesmen are higher in demand such as London and the south east).

• Dormer Loft Conversion

These are relatively simple and straightforward to include in your home. The cost ranges between £31,000 to £58,000 depending on the conversion’s size and other factors.

• Hip To Gable Loft Conversion

This style of loft conversion is more complex than the aforementioned ones, hence they’re usually more costly to complete. The price ranges between £42,000 to £65,000.

• Mansard Loft Conversion

This style of loft conversion is the most complex of the lot and includes a complete overhaul of your loft. The price ranges between £45,000 to £70,000.

• Bungalow Loft Conversion

Any of the main styles above can be done to a bungalow if the planning requirements are fully complied with and if the property is suitable. The price ranges between £30,000 to £70,000.

How long it takes to install insulation will depend on the size of your property. In general, loft and cavity wall insulation can be installed in a day or two. External wall insulation will usually take longer to install. The rep or installer will be able to advise you when quoting for the job how long this will be.