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 However, the only thing that’s holding you from making an offer is the outdated kitchen.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

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.

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.

After making the decision to refurbish your home or property, the next obvious step is finding the right builder to get the job done. The process of getting a good and reliable builder can be a very tricky one especially when you don’t plan ahead. And in truth, the outcome of your house refurbishment project can only be as good as the contractor your hire. Consequently, finding the perfect builder for your task should be a top priority to get the best return on investment. Here are a few sources that will put you in the right direction to finding a reliable home refurbishment company.

✓ Friends, Relatives & Neighbours

If you have a friend, relative or neighbour that have recently completed a home refurbishment project, you can go for a visit to check out the work done. If you’re pleased with the work, you can proceed to ask about the work ethics of the builder and get the contact if satisfied.

✓ Internet

With the rapid rise of online technology, there’s hardly a service you can’t find on the internet. Websites like HomeAdvisor have been helping people find their desired service providers with relative ease for so long. To get the right building contractor online, it’s advisable to check reviews as well as testimonials before moving forward. Nowadays, you’re most likely going to find so many positive online reviews as some businesses now go to the extent of dubiously writing good reviews for their companies. As a result, it’s recommended to pay closer attention to the negative reviews and check if it’s something you can cope with before hiring a contractor.

✓ Store Contact Lists

You’ll discover a long list of building contractors on several stores trading building materials. These builders may not be affiliated with the store owners, but many stores see it as their responsibility to point you in the right direction so that the building materials acquired from them can be put to good use.

A barn conversion is where an agricultural building is altered to serve a different purpose. Lots of barns conversion projects involve converting an old barn into one or more homes. However, barns can also be converted into other types of commercial building, like offices.

Are you looking to pebble dash your house? This is a cool way to add a stunning new look to your home or property while also adding to its resale value should you wish to sell later on. The list of the benefits goes on, however one thing that most home and property owners would like to know before starting such a project is exactly how long it’ll take to complete it. If you’re also having similar thoughts, then you’ve come to the right place! In this post we’re going to give you an insight into the duration of pebble dashing a house. Let’s take a look!

First and foremost, just like any other home improvement project, the duration of a house pebble dashing project is affected by a number of variables. These variables include the size of your house, the company or contractor hired and lots more. In general, a house pebble dashing project should take within the range of 3 to 14 days depending on the size of your home. It should be noted that you’ll have to pay the workers on a daily basis. Most labourers will charge within the range of £140 to about £160 per labourer per day. And you should expect to have at least 2 labourers to work on your house’s pebble dashing project per day. On the other hand, the more labourer you have working on your project, the more you’re going to pay on a daily basis but this will also significantly reduce the time frame it’ll take to get the project over the line.

Many types of loft are suitable for a loft conversion. In general, you will need at least 2.3 metres of headroom in your existing loft. This is to make sure there is enough headroom after the conversion. Speak to a conversion specialist about the probability and possibility of doing this in your house.

Often referred to by many as the holy grail of home improvements, house extension comes with a wide range of benefits which makes it easy to see why the extension could be a great uptick in the potential price of your property in terms of sales. So if you’re looking to build a new home extension but still not convinced about the project, we’re here to help you. Being fully aware any home construction work is usually a heavy investment, there’s a huge need to be set on your decision before scheduling the commencement of any work. So are house extensions worth it? Below are some of the top benefits offered by house extensions to help you decide if it’s the most suitable route for you.

• Add To Your Home’s Value

Building an home extension is a great way to add value to your home before selling. Increasing the living space of your home is an incredible appeal to many buyers which significantly increases your property’s total value. However, you must ensure that the extension is impressively designed using top quality materials in order to generate more value.

• Good Alternative To House Moving

The most common reason for moving is usually due to a lack of sufficient space, but with house prices steadily on the increase a cost effective alternative is highly sought after. This alternative is house extension which creates more space for the household to spread out and have more privacy.

• You May Not Require A Planning Permission

You can extend your house and still not need to apply for a planning permission. To achieve this, simply comply with the laid down rules set under the permitted development rights.

• Extra Living Space

If you fill you’re starting to outgrow your existing structure and do not buy into the idea of moving, then your best bet might just be to extend your home.