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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.

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.

Insulating a cavity wall should not affect the damp proofing of the wall. All insulation approved for use in cavity walls has been tested to ensure that it does not allow damp to pass through the wall. Some walls which receive a lot of wind driven rain are unsuitable for cavity wall insulation.

Due to the fact that we live in a country (the UK) with so much history as well as architectural beauty, there’s a need to have what’s commonly called “Conservation Area. A Conservation Area is basically an area which is designated by the local authority and is established in order to protect and enhance areas of historical and architectural interest which includes both rural and urban areas. Therefore, when it comes to refurbishment project in a conservation area, there’s usually a lot of things that needs to be put into consideration as well as hurdles to scale in order to make alterations to your property without any interruptions from the law.

In general, all properties in a conservation area have strict regulations governing the outlook of the houses, as this plays a major role in the appearance of the area as a whole. As a result, if you wish to bring down a building, fence, wall or even railing and the likes, you’ll need to obtain prior consent before you proceed. An easy way to go about any refurbishment plan is to to ensure the usage of exactly the same materials that exists in the current house. When you abide by the rules, you’ll be in a more favourable position to acquire the needed prior consent.

The short and simple answer to the question is yes, you can refurbish a house in a conservation area but subject to the approval of the local authority through a planning permission. And when it comes to submitting a planning application for approval, some are aspects will usually be subjected to more intense examinations than the others. Hence, the need to make sure that your refurbishment plans are all friendly in a similar way to the neighbouring buildings and environment.

This is an individual who is trained in the art of working with concrete blocks or bricks, clay bricks as well as other kinds of mortar building materials. In a combination of these materials and good bricklaying skills, a bricklayer can build and repair veneer as well as full brick construction, arches, partitions and other structures.

Contrary to many beliefs, a bricklayer actually does more than laying of bricks. There’s more to being a bricklayer than you can probably think of. A single bricklaying projects requires a wide array of skills. Let’s have a look at these skills!

• Using damp resistant materials to seal foundations.

• Spreading mortar between joints and applying them to serve as a thick layer binding the bricks together in rows.

• Reading and working from specifications as well as plans.

• Working with brick-cutting machines.

• Taking charge and caring for cement blocks or bricks, clay bricks and the likes.

• Construction of scaffolding - subject to possession of some licenses in some states.

A bricklayer mostly works outdoors, in the field and may also work at heights. Depending on the job, a bricklayer can work as part of a team or be in contact with the public. They are mostly recruited by building and construction companies and bricklaying sub contractors. However, they can also set up their own private construction firm or become a self employed tradesperson.

A bricklaying qualification is one of just two construction trades which can continue to become a registered builder. And regardless of the form a bricklaying employment takes, there are certain qualities that makes a really good bricklayer. These includes:

• Ability to work at heights and outdoors

• Enjoy practical work

• Technical aptitude

• Good hand-eye coordination

• Independent and yet a team player too

• Top physical fitness

• Attitude and attendance.

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.

Wall rendering is basically a process which involves the application of sand, cement or polymer covering to a home’s exterior in such a way that enhances its look while also offering an improved stability. The process is a perfect solution for several exterior concerns mainly due to the support its able to provide. It’s highly beneficial for older homes whose walls may suffer from poor quality because of wear over time, while it’s also greatly advantageous for newer homes as it increases their stability while also enhancing their visual appeal.

Knowing how to apply render is a great skill to have with your home’s upkeep in mind. The project can be done quite easily by any competent and confident DIYer. However if you lack any of those attributes, then we’d recommend you get in touch with a reliable professional for help. In this article, we’ll take you through the wall rendering process.

✓ Prepare the walls. This involves examining the wall, repairing any structural defects as well as stabilizing any movements to prevent the render finish from failing.

✓ External details. This includes the removal of bargeboards, rainwater, soil pipes, alarm boxes and all other external details.

✓ Insulation. In the event whereby external wall insulation is to be fitted, this is the stage to do so.

✓ Developing a foundation for the render to fix to. Apply a render mesh over the insulation, bedded into the first base coat layer of render.

✓ Building up the render.

✓ Render finishes. There are a wide range of colour options as well as various finishes available from very smooth to textured. However, you should note that thin coat render systems are usually designed to be self coloured.

✓ Final finishes. This involves the re-application of the external rainwater, soil pipes and the other external details.

Some individuals who have been in the construction department for many years may not be qualified, that is, they may not have undergone an apprenticeship and/or trade certificate courses, but they might still be very skilled at their work. However, anybody can pick up a sledgehammer and demand themselves a builder lacking any skills or training. The wise thing would be to ask the builder coming to your house about what qualifications they have and what training they have undergone.

Licensing of building practitioners

You can now check if your builder or tradesperson is a licensed building practitioner by using an electronic public register which has a record of every registered builder. Being licensed provides you with an assurance that the builder who is about to do your work has proven his shill to the government and earned his right to be a practitioner. If you wish for certain important building and design work on your home it is imperative that you hire a licensed practitioner, the act is very common when you compare the scenario with when you have to call a plumber or an electrician regarding any work.

In order to become a builder in the UK, you must complete an apprenticeship or an NVQ. NVQ is another popular route to becoming a builder. You can also get your NVQ even when you are working as an apprentice. You can also make it based on any recognised overseas qualification.

All associates maintain a Code of Practice and Conduct which sets the standards for all stages of the building procedure. The Code requires builders to:

• Submit quotes on projects for which they have time.

• Securing the contract with a sufficient insurance cover.

• Maintain honesty and integrity at all times.

• Obey the law and industry standards of conduct.

All members of the construction association must also follow a code of conduct. As a consumer, if you think your builder has breached the Code of Conduct or the Code of Ethics, you can file a written against him or her.