Find a Builder you can trust in Birchington.

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 However, the only thing that’s holding you from making an offer is the outdated kitchen.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

The best way to go about converting a basement depends on its current condition and what you’d like to use it for.

If you’re happy with its size and structure, and just want to turn it into useful storage space, then your project shouldn’t be too complicated. You’ll simply need to make sure it’s damp proof and waterproof – either by fitting tanking or a cavity drain membrane with a sump and pump. You may also need to invest in new flooring, fit basic lighting, and plaster and paint the walls and ceiling.

If you’d like to turn your basement into living space, then you’ll need to think about ventilation, insulation and heating. If this involves creating a kitchen or bathroom, you’ll also need to incorporate plumbing.

If you want to extend your basement, add lightwells, or fit windows and a sunken garden, this makes things much more complicated. You’ll probably want to hire an architect or basement conversion building specialist to help you with the design and planning, and you’ll need a structural engineer to help you ensure your property is sufficiently supported.

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.

When thinking about the right insulation material for your loft, some of the first few things that comes to mind is the various properties of that material as well as how good they fit with your home’s needs.naturally, you’d like to ensure that the insulation will be efficient enough to add to the overall energy efficiency of your home, however there are also other features that may not get as much attention but also happens to be equally important. As the primary function of an insulation is to blanket your house to offer a barrier against heat loss, going for an insulation material that’s also fireproof is crucial as loft insulation can burn. Although most insulation materials are fireproof, a myriad of problems can actually make your insulation burn.

For instance, fibreglass insulation is produced using glass combined with plastic polymers and is naturally resistant to fire. However, even at that you’d have to be careful with batts that are supported with foil or paper due to the fact that these materials can burn pretty quickly. Cellulose, on the other hand, is not fireproof and is required to be treated by other flame retardants in order to help reduce combustion. Some of the best insulation materials that are resistant to fire includes the following:

• Fibre glass. This is made of glass that’s spun into fibres, then combined using plastic polymers. As a result, fiberglass insulation is naturally resistant to fire.
• Mineral wool. Having a high melting temperature, this insulation material happens to be a great fit for thermal applications due to its superior fire resistant properties. In fact, mineral wool is still naturally non-combustible even if composed of recycled iron and steel by-products, or from actual mineral rock itself.

The importance of underpinning a house cannot be overemphasized. Firstly, what is underpinning? Well, underpinning is simply the act of reinforcing, repairing, strengthening or improving the depth of an existing foundation by lowering the footing to ensure that it rests more on more reliable and supportive soil. Not only does this method help to strengthen your building and preserve its structural integrity, but it also does increase your property’s value and gives you peace of mind knowing your property is safe. If you’re thinking about underpinning your house, you have two options – do it yourself or call in a reputable structural engineer. The latter is more advisable as the method involves a lot of specialized knowledge, skills and tools to guarantee a successful outcome. In this post, we’re going to take you through the process involved in underpinning a house. Let’s take a look!

To get started, you should know that concrete underpinning features excavating pier footings around the building at about 2 to 3 metres distance between each other. In some cases, underpins can be installed from within the house. The footings of the underpin should go very deep into the underlying soil in such a way that fully supports the weight of the building or structure. Once done, now proceed to attaching the new footing to the building. You can achieve this by excavating underneath the existing footing to make for a stronger prop. Individual prop and pier arrangement is then strengthened using strong steel bars. Once completed, the concrete is then poured.

A professional underpinning contractor will make sure there’s sufficient space left between the existing footings and the new underpins as this space will ensure that the new underpins can be easily used to jack up the house and level it once the poured concrete cures.

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.

A front porch is a glorious addition that would be a blessing to have in any home. It gives you a good floor space to enjoy your neighbourhood as well as your surroundings in the cool atmosphere of the outside living space. The question however is, how do you build a porch? Constructing the structure can be a very challenging task but with proper guidance and lots of practice, you can also be a skilled porch builder. To protect your investment, it’s advisable to hire the services of a professional for help with your porch especially if you lack proper training and experience. This way, you’ll get to save time and money. This guide is prepared to give you some insight into the porch building process.

lAssess Your Location

• Consider the location before proceeding with the project. It’s essential to select a location that’ll reduce the sunlight coming in.

lPlan The Materials Required For Your Porch

• You’ll have to decide the type of porch you’ll be going for. For example, your porch can be built out of wood, composite decking or if it’s going to utilize some stone flooring, brick or even tile.

lBuild Your Porch Foundation

• Dig the foundations deep to ensure stability while also putting in mind any pipework or cabling

• Fit a damp proof course

• Add the subfloor - this can be concrete or timber

lStart To Lay The Brick And Floor

• Lay the bricks evenly up to the DPC level

• Lay the floor

• Add the flooring protection

• Once done, you can lay the bricks to the window level

• You can fit in a window sill if required before proceeding the brick and block work until it reaches the roof timber’s height

• Fit the linter when you get to the top of where the window will reach.

lConstruct The Roof

• Build a timber framework

• Fit a breathable roof membrane

• Install the roof battens and lay the roof tiles.

• Add gutters

There are so many benefits that comes with building a porch in your home premises. It’s an extra space where a lot can be achieved such as drying a dripping wet dog, taking off your dirty shoes or boot and lots more. So if you’re considering to construct a porch, it’s definitely going to be a wise decision. However, before you get started, there’s a need to determine if you’ll need planning permission for a porch. It’s important to take note that planning laws are dynamic and can be updated at any point, so be sure only to use trusted sources only as your guide. If you’re the homeowner or landlord, it’s entirely your responsibility to obtain the right approval for any development project you wish to carry out within your premises.

A Porch can not be termed as an extension and neither is it a conservatory, they’re basically built to the home’s front covering the main entrance using a stone base or a brick. As a result, a porch does not need planning permission due to the fact that it’s covered by the permitted development rights if the specific guidelines for porches are complied with. Below are the instances where you WILL need planning permission for a porch.

✓ If the floor space is more than 3sqm (the wall inclusive).

✓ The highest point has a height of more than 3 metres.

✓ If the porch is situated within 2 metres of a boundary directly facing on to the road.

You may need planning permission if the house is a listed building, designated area or falls under an Article 4 Direction.

In order to build a porch without planning permission, you need to consider all the criteria stated above. You can also visit the Planning Portal website to get more detailed information before getting started.