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Typically, loft conversions do not require planning permission except in certain situations. They’re usually covered under what’s known as Permitted Development. Certain building works like loft conversion, rear extension and conservatories are granted planning permission by local authorities. Permitted Development, however, gives you a free range to improve your home without having any issues from the councils or regulations. Before your planned loft conversion can be covered under Permitted Development, there are some certain criteria that must be met. This criteria includes the following:

✓ The extension must not go beyond the existing slope of the roof at the front of the house.

✓ The loft space converted must not go beyond 40 cubic metres in a terraced house.

✓ The roof’s height must not be increased by the extension.

✓ The loft space converted must not reach beyond 50 cubic metres in a detached or semi detached house.

✓ The plan for the extension mustn’t involve structures like balconies, verandas or anything other structures of this nature.

✓ The roof extension should be positioned as far back as possible or at least 20cm from the existing eaves.

✓ The side that faces the window openings should be at least 1.7m beyond the floor and the windows should also be obscured.

✓ The roof extension must not overhang the existing roof or wall of the house.

✓ The materials that are to be used must be similar or the same to the materials that has already been used on the house’s exterior.

However, you should bear in mind that there are some properties that are exempt from Permitted Development. Examples of these type of properties include conservation areas, Areas Of Outstanding Natural Beauty and World Heritage sites. Permitted Development does not also provide coverage for listed buildings.

If you have a loft, then the next thing that’s crucial is a loft insulation. Asides from cutting down on your carbon footprint, when you’re able to install an effective loft insulation you can slash your heating bills by up to £250 per year. What’s more? Besides making your home more energy efficient, it can also increase the value of your property a great deal. So if you’re also considering the insulation of your loft, one of the few things that comes to mind is, what loft insulation is the best to incorporate? In order to help you make the best informed decision possible, this post is going to address this issue and put you on the right path.

In truth, there’s no way to say exactly which type of insulation is the best as all types usually have a different purpose as well as usage. The insulation you choose for your home’s loft is be based largely on the how you’re going to make use of the space as well as any unique challenges you might face given the shape of your home’s loft. Below are some types of insulation to give you a better idea:

• Blanket insulation. This is the most common type that comes in rolls of rock, glass or mineral fibre ( or foil-backed felt ). It normally the most affordable and also a good all-purpose insulation which is easy to fit although not suitable for the roof.
• Loose-fill insulation. This type of insulation features a loose, lightweight material such as cork granules, cellulose fibre, mineral wool etc. It can either be incorporated as a top up or on its own. The primary drawback is it isn’t very secure and can also be very messy.
• Sheet insulation. This is the best solution for the roof’s underside as it offers a highly effective insulation for your loft space and can also be decorated over. The drawback here is that it’s usually the most expensive type to purchase and install.

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.

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.

When it comes to house renovation costs, nothing is certain. As a rule of thumb, you should always expect the unexpected. Unforeseen circumstances (mostly unfavourable) can crop up from anywhere, at any time, greatly affecting the cost of the project. However, if you’ve completed proper planning and done your due diligence on your property before commencement, there’s absolutely no reason why you can’t put the works on budget.

The cost of a house renovation project depends on a lot of variables. These variables include the type of property you’re undertaking as well as the amount and complexity of the entire project. What’s more? Whether you decide to do some of the work yourself or wish to hire quality tradespeople to cover the entire project will also tell on the cost of the home renovation.

In the event whereby you wish to completely gut your property and begin from square one, here are some of the cost you’re most likely going to incur:

✓ Planning applications and building controls

✓ Architect’s design and specifications

✓ Contractors and build costs

✓ Snags as well as unforeseen problems

What will be the biggest cost, which will be determined by the amount of work you need done, is most likely going to be the structural and building work, which can reach up to tens of thousands of pounds.

Asides from material and labour, the administrative costs is another important cost you’ll need to factor in. The first thing here is usually insurance, this is because all regular building insurance policies does not cover large scale renovation projects. So if what you’re planning is a huge structural change to your property, then it’s more likely that it won’t be covered by your buildings insurance policy. In this event, you’ll have to take out a specialist renovation insurance.

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.

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.

The answer is yes! Houses whose external walls have been insulated are more valuable than their uninsulated counterparts. And not only does it add to the value of a home, but also significantly reduces the amount of electricity consumption. This is a major turn on for potential investors which implies a greater demand and ultimately, a higher price. The real estate market is a very dynamic one which can be hard to predict at any particular time. The frequent changes in price are usually down to factors beyond the owners’ control, but if you’re looking to put up your house for sale in the near future, it would be a wise decision to consider ways in which you can increase its value. While renovating each room can be on the expensive side, a great solution would be insulate the external walls.

An insulated house is one that is well secured against the harmful impact of extremely high or low temperature, humidity and other atmospheric factors. Hence, the reason why a house with external wall insulation has a greater value which you would not want to miss out on. What’s more? You’ll get a great thermal insulation with the top notch materials like foamed polystyrene, high quality renders, mineral wool or polyurethane.

With an external wall insulation, you know the transaction will always be favourable on both ends. You get to smile to the bank, while the buyer also gets to enjoy great value for every penny spent. To employ the services of a reliable external wall insulation expert, simply conduct an in depth research from family and friends, online and other sources. Go through their online reviews and ask questions to become more familiar with the process and its value-adding potentials.