Find a Builder you can trust in York.

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 However, the only thing that’s holding you from making an offer is the outdated kitchen.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

Over the years there has been an increase in the recommended thickness of loft insulation by the government. Obviously, the reason behind this is pretty simply - the thicker the layer of your loft insulation the bigger your savings. The UK government is very keen to every house in the country to have loft insulation fitted where possible as it helps to minimize the heating demands of these properties. Households get to benefit from loft insulation in so many ways which includes reduced energy energy bills as well as having a home that stays at a more comfortable temperature for longer.

Generally, for the government energy efficiency is crucial as it implies that the highest demand ( which is usually the time of the day when gas or electricity use is at its peak ) reduces, since each building requires slightly less energy. Overall, that ultimately implies that new power plants don’t have to be built which is some nice cost savings for the government.

In the 1980’s, any thickness of loft insulation from 25 mm to 50 mm was considered the standard. But then, building regulations stated that homes should have as much as 100 mm of loft insulation. Over time, this gradually increased to 270mm for new builds and also recommended for other properties, although not essential. As a result of this, there’s always a need to check how much insulation you currently have in your loft before you decide to purchase more. You may discover that you already have something within the range of 20 mm to 200 mm up there and knowing this and the insulation values will assist in determining how much more you’ll need to purchase, if any at all. You should also note that some modern materials can offer the same thermal insulation whilst not being as thick.

Cavity wall insulation is basically the process of installing an insulating material between the two layers of brick making up a cavity wall, either as a retrofit measure or at the time of building. Obviously this is not a choice if you have solid wall, but for those who do possess a cavity wall, it represents an opportunity you may not want to let slide as it is a worthwhile and affordable wall insulation option. Clearly, cavity wall insulation will make your home or property feel warmer, but it also does come with a range of other benefits which is why we’d recommend installing it. In this post, we’re going to look at a number of reasons why having a cavity wall insulation done is a good idea.

• It’s one of the cheapest energy saving measures that’s available. Not only is cavity wall insulation really effective, but it can also deliver great saving. In other words, it possesses a bigger payback compared to other options. When compared to other types of insulation, you can’t install cavity walls insulation by yourself, however it’s not so expensive to have it installed. The cost of the insulation will be determined by a number of factors such as your location, the company hired and more.
• It reduces your energy bills. Cavity wall insulation can save you about £100 to £200 on a yearly basis on heating bills. In other words, this is usually able to pay for itself in as little as two years.
• It reduces your carbon carbon footprint. If your home is heated with gas or electricity like several other homes, producing that energy involves burning fossil fuels which is known to be hazardous for the environment. If the heat generated is now allowed to escape through the walls, that means you’d have to use more to keep up your required temperature. Installation of cavity wall insulation in homes will enable a more efficient usage of the energy which will ultimately cut UK’s carbon usage.

Do you want to beautify and increase the value of your home? If yes, a refurb and house extension is definitely a great option to consider. Depending on your home extension project, the value that’ll be added to your home’s resale value varies. However, the cost of completing a house extension project can be huge, so you just might want to consider your financing options. Fortunately, there are various options through which your house extension project can be funded with each having its own pros and cons. Your specific circumstances will determine the one that’s going to work best for you, so let’s take a look at some of the best options to help you fund your project.

• Home Remortgaging

The process whereby a mortgage is transferred from one provider to the other is known as remortgaging. This is usually done to generate funds for a project by entering a more lengthy repayment term commitment when switching. If you want to raise your funds in a quick manner, this process works best.

• Savings

This is a good reason to cultivate a good saving habits. If you’ve been able to save up some mega bucks then you’d probably won’t have to borrow money to finance your house extension.

• Unsecured Loans

If you do not buy into the idea of borrowing more against your property, you may just be able to apply for an unsecured loan especially if you have a good credit record. A secured loan makes use of collaterals like a car or house to serve as a cover for the lender, meanwhile an unsecured loan is based mainly on the credit managing history of the borrower.

• Credit Card

There are some great benefits that comes with financing your small or medium scale extension project with your credit card. Not only does it offer some real lifeline if problems arise during the project, but you can also avoid paying excessive interest on the investment by ensuring your deal has a 0% introductory rate.

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.

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.

Patios do not require lots of maintenance. They will only need occasional cleaning to make sure that the material keeps its original appearance. It's always best to clean your patio with a pressure washer and occasionally tap each slab or brick just to check the sand underneath hasn't washed away.

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