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 However, the only thing that’s holding you from making an offer is the outdated kitchen.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

What is your garage being used for? If your answer is anything besides your vehicle, you’re in the majority in the UK. In the country, according to a research by Admiralty Loans, several home and property owners now use their garage as dumping ground for all sorts of stuffs asides a car. Ultimately, this gives rise to garage conversions as the more or less underutilized space can be converted into a living space which can be more beneficial while also adding more value to the property.

A garage conversion is a fast and relatively affordable route to adding more floor space within your home. It’s basically the act of changing your garage into something other than a storage or a place in which you can park your car. This can be anything from a bedroom to a playroom and anything in between. It’s a great way to provide extra space to allow your family to spread out and have more privacy while still within the walls of your home.

A garage conversion project is a huge one which mostly does not require a planning application so far the conversion is internal. However if you’re planning to increase the garage’s size or change the exterior of your home, or convert your garage into a separate room, then you may require a planning permission before getting started. It’s always wise to consult your local authority before carrying out any work to be on the safer side.

A project of garage conversion’s magnitude is better left to a reliable professional who have the experience when it comes to dealing with building regulations and more. This way, you’d also get to save yourself some headaches and some extra cash which may result from possible costly errors.

This is a very great opportunity to not only get free external wall insulation, but also cut down your energy bills depending on the type of property you live in. Generally, to enjoy free external wall insulation you must at least be part of the group receiving one of the benefits listed below and also depends on the amount of money you earn. The benefits include:

• Income based jobseeker’s allowance (JSA)

• Income support

• Income-related employment and support allowance (ESA)

• Tax credits

• Pension credit guarantee credit.

• Universal credit.

There are also other important factors that determines if you can have a free insulation fitted on your property. These includes the place you reside, the carbon level of your home and according to some suppliers, the level of beneficial impact the insulation will have on your home. In order to have a free external wall insulation installed, you must either be the owner of your home or at least obtain the go ahead from your landlord before any external wall insulation activity can be made.

Good news is, if you fit the aforementioned criteria and you’ve already installed an external wall insulation, you just may be entitled to receive a refund for the good job done. However, to really find out if you’re eligible, we’d recommend you get in touch with your supplier directly. Also, the Energy Saving Trust (EST) can direct you to some organizations who can assist you in the determination of your eligibility.

As a home and property owner living in England, you can also check out the Each Home Counts Advice Website which is committed to giving impartial energy efficiency advice.

At the end of the day, if it turns out you happen to be ineligible for a free external wall insulation, you can still go ahead to contact a professional installer for a help at a competitive price to enjoy the several benefits that comes with home insulation.

Are you looking to create some more space in your home with your garage being almost dispensable? If yes, then considering a garage conversion project may be the way to go. Unlike many other extension options, garage conversion does not take up an additional space as it only changes the current structure of the garage. As a result, the cost of completing a garage conversion project can be relatively attractive when compared to other space creating alternatives. So exactly how much would a garage conversion project cost? Well, there’s no precise answer for this as several influencing factors come to play. However, in this guide we’ll give you a rough idea of the average costs that you’re likely going to encounter. Some of the factors that can influence your budget dramatically includes the following:

• The size of the conversion. The larger the size of the garage per square feet, the more cost you’ll have to expend.

• The type of your property - listed buildings are usually more expensive.

• Your location in the UK. If you stay in London where there’s a higher demand, you’ll most likely pay more.

• You’re likely to pay more if a specialist knowledge is required.

• The amount of glazing to be installed

• Quality of the materials to be incorporated.

• Quality of the professional to carry out the installation service.

On average, when it comes to garage conversion projects, you’re likely to pay the following depending on the per square metre given:

• A single garage of about 15 square metre will cost within the range of £6,000 to £15,000.

• A double garage of about 30 square metre will cost within the range of £12,000 to £30,000.

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.

How To Fit Plasterboard

If you’re planning to renovate your house, then here is a must-read guide! Fitting of plasterboard is a crucial step when it comes to renovation. If you’re bringing down an existing lath and plaster for an upgraded surface or adding a new wall, a plasterboard is required for your project to be a true success. If you’re a novice with no prior practice or experience, you can protect your investment by hiring the services of a professional plasterer to guarantee the best results, the first time. However, we’ve put together this guide to give you an insight on how the plasterboard fitting process is done.

To get started, you’ll need a power drill, hammer, plasterboard nails or screws, broad knife, utility knife, measurement tape, pencil, ladder as well as a joint tape.

Before proceeding, you need to identify the number of plasterboard sheets needed to commence the project by measuring the height and width of the wall as well as calculating the square footage. If you possess a stud timber wall, the steps below will get you the best results.

• Measure the walls and mark the plasterboard where you’ll make the cuts. Start with a full sheet and cut pieces down in such a way that would fit

• Score the front paper of the plasterboard with utility knife. Fold the sheet to get a clean cut through the board and make use of the knife to the remaining paper.

• Place the first sheet against the wall and use an offcut to prevent the plasterboard from touch the floor.

• Make the plasterboard rest snugly against the wall in position and screw it firmly on each stud. Once done, fasten it at all the sheets’ edges and in a line down the stud to make for a firm connection. Follow the same process for the remaining plasterboard sheet till the wall is fully covered.

How To Dot And Dab A Plasterboard

If you want a fast and simple way to achieve a smooth and sturdy wall which is decoration-ready, then dot and dab plasterboard is the way to go! It’s a relative simple process but can also be a bit challenging. Therefore, if you lack the necessary training or experience, hiring a professional would be a great step to protect your investment and guarantee the best results. Here, we’ll provide you with a deep insight into the plasterboard’s dot and dab procedures. Let’s have a look!

• At the thickness of the board with the adhesive, mark the ceiling and floor as well as the wall to indicate the centre of each board.

• Ensure the wall’s height is 15mm more than the plasterboard

• Make a mixture of the adhesive and achieve a thick consistency. Apply a consistent layer of the mixture around the wall’s perimeter, edge of the ceiling and any other openings with the use of a trowel.

• Select dabs that are about 250mm long and 50mm to 75mm wide and apply the adhesive in them. Make use of 3 vertical rows for individual boards. Also ensure to apply, at skirting level, a band of adhesive.

• Position the board’s reverse side against the dabs, and laying against the packers. Then make the board align with the ceiling and floor marks with the help of a straight edge.

• Raise the board till its tight against the ceiling with a board lifter. Once done, use the plasterboard to wedge the board into place before you remove the board lifter.

• Repeat the same process for the remaining parts of the room. Once completed, make sure the adhesive is set before you remove the boards.