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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.

How Much Plasterboard Do I Need?

Although many people especially contractors have a tough time estimating the number of drywall or plasterboard needed to complete a project, it’s a rather simple task if all factors are taken into consideration. If you’re able to follow the same procedures taken by professionals to count dry wall sheets, you’ll be in the right direction. Let’s have a look at the procedures to follow!

lTake Square Footage Measurement

• Measure the square footage of the area where the plasterboard will be fitted.

• Multiply the height by the width of each wall or ceiling area.

• Add all quantities to obtain a total square-foot amount.

lCalculate Drywall Sheets

• To calculate the number of drywall or plasterboard sheet is very simple once you’ve gotten the total square footage.

• To get started, simply divide the total square footage of area by 32 (that’s if you are using a 4 by 8 sheets) or you can also make use of 48 to make the division (only if you’re making use of the 4 by 12 sheets).

• The answer you get after the division will give you the full number of plasterboard sheets that’s required to complete the project.

We’d recommend you include an extra 10 to 15 percent of whatever you calculate to take care of the possible odd cuts and wastages. This implies that if your total area is 1600 square feet while incorporating 4 by 8 sheets, simply divide 1600 by 32 which equals 50 sheets, now take 10% of 50 which equals 5, then add back the 5 extra to the 50 sheets earlier calculated to get 55 sheets. If you wish to estimate the cost, simply multiply the number of sheets gotten by the price per sheet. Do not forget to include delivery charges and local taxes.

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.

With the prices of buying a house skyrocketing, many of us are tempted to building our own house. This is sometimes an excellent choice, but you will first need to understand the costs of building a house from scratch. As per a general estimate, the cost of self-build ranges between £300 per m2 to £3,000 per m2.

As you can see, this is quite a variation in price from lowest to highest. Location is a prime factor in determining the costs. Building a house in London and the South is more expensive compared to other regions. Aside from location, several other factors make up the price.

Self-manage with subcontractors

You hire professionals directly like builders and carpenters. You also buy all the materials yourself allowing you to get the best prices.

Hiring a main contractor with other subcontractors

You will first need a main contractor who will help to create the watertight structure for your house. For the rest of the work, try hiring out subcontractors. Make sure that you buy all the materials yourself to get the best price.

External cladding materials

If you are looking to install other external material other than brick, you will also need to factor in the cost for the same.

Here are some example prices:

• Render on blockwork costs around £25 per m²

• Timber cladding is around £25 per m²

• Hand¬made all-weather tiling costs around £54 per m²

• Rubble walling or flint is around £90 per m²

• Reconstituted stone costs about £48 per m²

• Natural stone is about £75 per m²

Make sure to include these costs when coming up with the estimate.

Roofing materials

Non-standard roofing materials tend to add more to the cost and therefore you will also need to account in for this factor.

Here are some examples:

Welsh slate – £60 per m²

Second-hand slates – £35 per m²

Handmade clay tiles – £65 per m²

Reed thatch – £80/m²

If you choose to add any unique material to your roofing, be sure that you remember to factor in its cost.

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.

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.

With the numerous benefits that comes with the installation of an external wall insulation in a building, it’s also important to find out whether it’s also safe before proceeding to fit one in your home. Firstly, to ensure that external wall insulation systems are safe, they must be BBA approved, which means they’ve been subjected to a thorough testing by the British Board of Agrement and therefore, suitable for use in UK homes.

Given the fact that cladding materials have recently generated a lot of debate and negative press about how reliable some particular materials are, questions are being asked of the safety and reliability of external wall insulation. However we must clarify that, although external wall insulation can be classified under cladding, it is very different to rainscreen cladding - which caused the Grenfell fire tragedy.

External wall insulation is completely safe. However, when it comes to fire, the safety of your system depends largely on the insulation type in question. The safest type of insulation you can have installed is the Rockwool insulation boards which are rated as Euroclass A1 non-combustible. The board is specially designed in such a way that it contains fire - preventing it from reaching the other areas of the building. They also do not produce harmful emission or smoke when impacted by fire.

Meanwhile, the Wood Fibre, is also a great insulation which is known to char and not burn. Contrary to many beliefs, it actually burns slowly creating this charring effect which produces an oxygen barrier that helps reduce the spread of fire.

To make your system safer, you can also make use of Fibreglass Mesh for reinforcement. It helps to improve the strength of the tensile which promotes the security of the boards attached to the wall.