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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.

Pitting, also referred to as spalling is the event whereby “pits” or small holes start showing on the surface of your concrete driveway which makes it appear both worn and uneven. Concrete driveway pitting is a common but highly frustrating problem for most homeowners. You’ll see some concrete driveways that’ll only start to pit after a couple of years, but this is not true for all concrete driveways as others will start to show signs only after a couple of months. So how do you tackle this issue? Well, it’s relatively simple to tackle, however if you’re not confident or lack the necessary skills, we’d recommend you get in touch with a reliable professional who can guarantee the best results for help. In this guide, we’ll take you through the concrete driveway pitting repair process.

✓ Prepare the pits by cleaning the area, clearing out all debris and more. The small pits can be cleaned with a stiff brush while a sturdy broom will do a good job for larger pits.

✓ Make use of a hose to spray the concrete pits and flush out all remaining bits of waste.

✓ If you’re tackling series of small pits, simply use a caulking gun filled with pre-mixed epoxy and specially formulated for concrete to fill the pits. Clear off the excess eproxy ensuring that its level with the concrete surface. Once done, simply leave for at least 24 hours before the application of a concrete sealant to prevent the wear and tear of the new concrete.

✓ Chisel out a little concrete and clean with a pressure washer. Once done, apply a concrete resurfacing compound mixture into the holes and use a trowel to level off.

✓ Ensure that the repaired concrete driveway is protected from rain and foot traffic for at least 6 hours (or 24 hours for vehicles).

Rendering a house comes with a plethora of benefits. Not only is it able to brighten up houses that looks tired especially those with damaged brickwork or having discoloured render, but its also the final step of external wall insulation.

If you own a 3 bed house, you’ll probably want to know just how much it’ll cost to have it rendered. If yes, then you’ve come to the right place! In this article, we aim to look at the cost of rendering a house using the standard 3 bed house as an example. Firstly, it should be stated that there are numerous factors that affects the price of a rendering a house which includes the rendering type, the size of the house, the ease of access, the prep work required, whether or not scaffolding will be needed as well as your location and the quality of the contractor your hire. Out of all these factors, the most significant variables are probably the type of rendering you go for and the size of the house.

There are three types of render and the one you opt for will play a key role in the price of your 3 bed house. In this article, we’re basing our cost estimate for a 3 bed house (3 bed detached) on the size ranging from 110 per square metre to 160 per square metre. Now let’s look at the cost per square metre of each rendering type.

✓ The silicone or acrylic thin coat render is usually the most expensive option of the lot due to the fact that they’re the newest and also the best type of render. This rendering type usually costs within the range of £45 to about £75 per square metre.

✓ The monocouche modern through coloured rendering type are able to offer a decorative and waterproof finish for walls. They usually costs within the range of £35 to about £70 per square metre.

✓ Sand and cement render type is the traditional type which has been applied for several years. This rendering type usually costs within the range of £20 to about £45 per square metre.

When your driveway is suffering from depression, it becomes unsafe for driving (a danger zone) and ugly - no homeowner wants that! Unfortunately, most driveways won’t hold flat for long as they tend to develop cracks and potholes pretty quickly. Here, we are going to take you through how to fill asphalt driveways’ depression so as to ensure the sinkholes in your driveway poses no threat to you or your loved ones, while also beautifying your property. The approach to be used depends on the intensity of the depression. If its only a few cracks and holes, this can easily be repaired with some equipment. But if otherwise is the case, then calling a reliable professional will be your best bet. In this article, we’ll show you how to repair dips in your asphalt driveway relatively quickly.

✓ Pick a date with warm and sunny weather. This is because if you work in a cold weather, chances are the materials will freeze and hence, unusable. So find a day when the temperature will over 50 degrees Fahrenheit and below 80 degrees Celsius and when there would be no rain. We’ll advise a day between May to October.

✓ Prepare the area. Remove all loose stones, soil, dirt as well as vegetation from the holes. Once done, you can then proceed to washing the area with a pressure washer or sweep with a broom.

✓ Apply a thin mixture of asphalt to the area. Use a flat stirring stick to coat the low driveway area with a thin mixture of asphalt.

✓ Tamp the asphalt repair mix. Purchase the right kind of asphalt to repair the driveway. Fine aggregate asphalt mixture is more suited to filling small holes, whereas the coarse aggregate is more suited to filling larger holes. Apply layers ( about 2 inches each time) of the asphalt repair mix to the sunken area and use a shovel to give it a smooth finish. Once done, simply make the area smooth and protect it with a piece of plywood. Do not walk or drive on the area for a couple of days.

Being the most used room in a house, it’s little surprise kitchen extension are usually one of the most popular requests in the UK. They do not only open up a frequently used space in your home, but also goes a long way to add value to your property. However, to know the value that’ll added you must first determine the cost of building such an extension before moving forward. Generally, a typical kitchen extension will cost within the range of £20,000 to about £50,000 plus VAT, based on the size of your project as well as your location.

In reality, a single accurate cost of a kitchen extension will vary depending on a lot of influencing factors, one of which is the type of the extension. Let’s take a look!

✓ Rear extension. You may want to consider this type, if you do not have sufficient space for a side return. This will extend your kitchen into your garden which implies that you’re going to give up some green space to make this a reality. The average price to have this done in London will be about £30,000 or more including VAT, and about £20,000 plus VAT or more in other areas.

✓ Side return extension. This, normally, isn’t a huge add to your property, but will create a lot of space for your kitchen while also be a lot reasonable in terms of cost. This type will extend your home into an alleyway at the side of your property if any is available there. On average, the cost of the side return extension should be about £50,000 plus VAT in London and a lot less in the other regions.

General construction work should be restricted to the following hours: Monday to Friday 8am to 6pm. Saturdays 8am to 1pm. Most councils advice that noisy work is prohibited on Sundays and bank holidays but you should check with your local council to confirm this.

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.

Do you want to inject a new lease of life into your home or property, or transform it into a more modern style that better suits your taste? Or perhaps you’re only looking to add more value to your property to enable you sell for a profit in the nearest future. Regardless of your purpose, determining the cost of your home renovation can be incredibly difficult. However, you can still obtain a reasonable budget for the project with proper planning as well as preparation. It’s almost impossible to get an exact figure for any home renovation cost, however, this article aims to give you a good idea of cost range to enable you make informed decisions.

The cost of renovating a house can vary significantly depending on a wide range of factors. Some costs are fixed while others may vary greatly. As a result, if you want to have a more exact figure, you’ll have to call in a professional beforehand to give you an idea of how much they’ll charge. Below are some of the most significant costs you’ll most likely face during property renovation.

✓ Administrative cost. 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.

✓ Planning permission and property renovation. This is another potential cost you’ll have to factor in. Submitting a planning application in the UK usually ranges between £200 to £250.

✓ Adding an extension. Generally, a 4m by 5m extension would cost within the range of £30,000 to £40,000.