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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.

Driveway surfacing materials like concrete, asphalt and clay brick usually crack because they’ve been exposed to extreme temperatures or put under high pressure. It’s important to repair driveway cracks before they get worse and cause damage to vehicles and perhaps others to trip on raised cracks.

Over the years, more and more home and property owners are beginning to realize the huge benefits that can be derived from loft insulation being a worthwhile investment. It’s quite worrisome the way in which energy bills have soared over the past 10 years and loft insulation is a considerable affordable energy efficiency measure that can go a long way to help increase your home’s energy savings.

As far back as the 1980’s, the standard when it comes to insulation thickness was 25 mm to 50 mm which was, at the time, considered to be sufficient. However, building regulations have changed the norm that now states that a new build needs to possess 270 mm of insulation in the loft in order to achieve the required u-value of less than 0.16/m2k based on the standard rock wool or sheep wool insulation.

Generally with loft insulation, there’s a law of depreciating returns which implies that the first couple of insulation centimetres will save you many times the cost of the installation, however an extra layer or centimetre is going to add less value to the point where it’ll no longer be wise or worthwhile to add any further centimetre. Therefore, with cheaper energy prices 30 years back, that additional couple of centimetres was not just worthwhile, but with the recent alarming rises in costs of fuel, that additional £10 savings per year has all of sudden changed to £30 which makes it become a lot more attractive.

If you already have 270 mm of loft insulation, regardless of the material you’re looking to add you’re most likely not going to benefit from a top up. The cost of the materials and installation will definitely be too high for the couple of pounds it’ll save you per year.

If you’re considering rendering your house or property, then you’d most likely want to know whether or not applying for a planning permission will be needed. In several cases, planning permission will not be required for the maintenance, repair as well as replacement of the existing render on your building. These activities are covered by what’s called “Permitted Development Rights, which allows you to carry out some activities without having to apply for a planning permission but always subject to following some strict guidelines. For rendering, as long as the material (render) possesses an identical appearance to those existing on the house as well as same colour, then you will not require a planning permission. However, there are a number of projects that have been highlighted in which a planning permission would be required. These includes the following:

✓ Re-rendering in a colour that different from the original one used on the house or building.

✓ Rendering over brickwork which was not originally covered.

✓ Rendering over pebbledash

✓ Removing pebbledash and replacing it with render.

Another exception to the Permitted Development rights are for houses in conservation areas, national parks or areas of outstanding national beauty.

Although, you wouldn’t normally require to submit a planning application for approval before you apply render, but in truth it’s actually a bit of a grey area which isn’t totally clear and doesn’t allow for much freedom or creativity. And due to this fact, homeowners who wants an absolute peace of mind may opt to apply for planning permission just in case. It’s also worth noting that whether or not a planning permission is required, a huge rendering work will need to comply with building regulations which includes the need to insulate walls on the inside or outside as part of the work on several older properties .

In general, you won’t need planning permission to install soundproofing. If you are installing soundproofing against a shared wall, you will usually need to follow the rules and restrictions set out in the Party Wall Act. In listed buildings and conservation areas, there may be extra restrictions on soundproofing.

So you’ve identified the type of garden room you’d like to construct in your property, chances are, you’ve already worked out where to put it and can’t wait wait to start spending valuable time on it. It’s very understandable to be a little impatient with the whole idea considering the numerous benefits provided by a garden, but just before you proceed with your plans there’s the need to first check whether or not you’re going to need a planning permission.

Factors determining whether you’ll need a planning permission includes where you intend to place it, the size of the room, how it’s going to be used as well as your location.

Generally, most garden rooms do not require a planning permission as they are categorized as outbuildings. In other words, you’re permitted to construct one so far you comply with some specific rules and have permitted development rights at your home or in your area.

If you want to build your garden room under permitted development, you have to comply with the following rules:

✓ The garden room shouldn’t be in front of your home or property.

✓ The total area of your extensions, sheds and outbuildings ( which includes your garden room), must not go beyond 50 percent of the total land area surrounding your property.

✓ It must be a single storey that’s less than 3 metres high ( 4 metres for a dual pitched roof). And it must not go beyond 2.5 metres in height if the structure is within 2 metres of your boundary.

✓ The eaves must not go beyond 2.5 metres above ground level.

✓ It must not feature a balcony, veranda or any raised platform

✓ It must not be a self contained living accommodation.

You should note that if your home is a listed building or you happen to live in a designated area, then you might not have permitted development rights.

If you want to install an external wall, it is only wise to consider whether or not a planning permission is required in order to avoid a hefty fine. In a great kudos to the government and a welcome relief to home and property owners, the installation of external wall insulation is seen as an “improvement to the house and not an “extension or an “enlargement. Ultimately, this implies that external wall insulation fitting is to be done under permitted development and a planning application may not be required. However, like many other regulations, there are also exceptions to this rule and the main one is if the activity changes the appearance of your property. Properties such as a listed building having tighter regulations may pose some issues. As a result, we’d advise you to consult your local authority to ensure that there’s no fast rule to this topic before commencement of the external wall insulation project.

At the moment, according to the Government Building Regulations, the surface of the entire wall is to be improved to existing standards if the area to be insulated exceeds 25 percent of the wall. In normal situations this is usually the typical case, however to prevent avoidable fines and other possible punishments, it is always best to reach to your local authority and check out the rules guiding external wall insulation in your constituency. Furthermore, since external wall insulation is not a task that’s recommended to be done by yourself, you can also ask the professional external wall insulation fitting company for the applying rules before proceeding. As a good professional, the company should have a better knowledge of the rules and regulation guiding its activities.

If you’re about to start your house extension project and wondering how long it’ll take to complete, you’re not alone! This is one of the most common questions that’s asked by homeowners in the UK and across the globe. However, there’s no single precise answer for this as there are multiple factors that’ll affect the length of time it’ll take to complete your home extension. These factors include the size of the construction work as well as whether you’re planning to live in the house after completion or otherwise.

For a single extension, the length of time it’ll take to complete the home extension is normally up to 3 months. So let’s break this down:

As you would have expected, the first step to be taken is the preparation of the site. You start by digging out the footing and preparing the foundation which should take about 2 weeks. This is then followed by the damp course installation as well as the fitting of any drains needed around the extension which will also take a further 2 weeks.

The 5th week will be for the construction of the external walls as well as putting the blockwork in place for the provision of the cavity wall insulation. A further 2 weeks after this, will be dedicated to the installation of the roof structure and the internal walls.

It’s at this junction that you’ll call on your weather proof installer to fit in your uPVC windows and doors. Once done, the gas fitters and electricians will have to be on site to connect power to your new extension building. Subsequently, this will be followed by internal wall plastering as well as breaking through your main house. Once the plaster is dried, decorations completed and all the required furniture and units installed, the extension is ready for use.