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Yes. Most extensions will add substantial value to your home, and you may find that the extension adds more value than it cost. However, it’s important to be sure that the home remains balanced. Extending your garage and leaving your property with no parking spaces, for example, may impact your ability to sell.

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.

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.

Some individuals who have been in the construction department for many years may not be qualified, that is, they may not have undergone an apprenticeship and/or trade certificate courses, but they might still be very skilled at their work. However, anybody can pick up a sledgehammer and demand themselves a builder lacking any skills or training. The wise thing would be to ask the builder coming to your house about what qualifications they have and what training they have undergone.

Licensing of building practitioners

You can now check if your builder or tradesperson is a licensed building practitioner by using an electronic public register which has a record of every registered builder. Being licensed provides you with an assurance that the builder who is about to do your work has proven his shill to the government and earned his right to be a practitioner. If you wish for certain important building and design work on your home it is imperative that you hire a licensed practitioner, the act is very common when you compare the scenario with when you have to call a plumber or an electrician regarding any work.

In order to become a builder in the UK, you must complete an apprenticeship or an NVQ. NVQ is another popular route to becoming a builder. You can also get your NVQ even when you are working as an apprentice. You can also make it based on any recognised overseas qualification.

All associates maintain a Code of Practice and Conduct which sets the standards for all stages of the building procedure. The Code requires builders to:

• Submit quotes on projects for which they have time.

• Securing the contract with a sufficient insurance cover.

• Maintain honesty and integrity at all times.

• Obey the law and industry standards of conduct.

All members of the construction association must also follow a code of conduct. As a consumer, if you think your builder has breached the Code of Conduct or the Code of Ethics, you can file a written against him or her.

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.

If you’re thinking about refurbishing your house or property but don’t know how to go about it, then you’ve come to the right place. In truth, not every home refurbishment works goes in exactly the same order, however it’ll do you some good to abide by a specific plan in order to avoid both unnecessary works as well as expenses. For instance, how would it feel if you have already closed walls and paint only to realize that there’s a need to include a new plumbing stack that has to go behind the wall? Not good, right? Well, this guide is designed to help you avoid such frustrating situations. Let’s have a look!

✓ Establish a plan. This involves carrying out a good assessment of what you’d like to refurbish and set the priorities like deciding where to start and making sure you have both the time and budget to complete the project.

✓ Set a budget. Establish a final amount that’ll be the threshold to your spending. It’s always good to add an additional 10% to 15% to cover unexpected costs.

✓ Hire a contractor. Carry out a research, reach out to many contractors, compare their prices, work quality as well as integrity before hiring.

✓ Talk to your insurance company. Find out if you have the amount of coverage that suits your needs from your insurance company before and after your project.

✓ Secure permits and order materials. Make sure you check with the latest regulations before commencement. Once done, you can start ordering the required materials.

✓ Start demolition. This is optional as it only applies if space is being added.

✓ Work behind the walls. This include doing all the works necessary behind the walls like plumbing, electrical, heating etc.

✓ Paint and install flooring

✓ Fit in the cabinetry

✓ Add finishing touches. This includes the last details and decorations.

The best type of insulation for your property will depend on the type of walls and any insulation that’s already present. It’s usually a good idea to have some form of wall insulation as well as loft insulation, as this helps to prevent heat loss in both areas.

Asides the questions relating to planning permission of a loft conversion as well as the total cost of completing a loft conversion project, this is perhaps the most common question on the loft conversion subject matter. Before making an investment decision, many homeowners will want to know just how disruptive a loft conversion is. Well, we’ve all heard the several horror stories when loft conversion builder with dirty boots tramples all over the fresh and just-acquired shag pile or the noise of the construction loud enough to annoy neighbours from four blocks away or an obvious shortage of teabags, sugar and lots more. Good news is, the disruption of loft conversion is not as bad as people make out. Let’s have a look at how it works!

Just like all other major building projects, a loft conversion is disruptive to your property. However, no two loft conversions are the same, therefore some are certain to be more drastic and invasive than others. In the long run, the project is worth the stress and inconveniences caused and in most cases, it’s usually a very good investment.

Normally, an average loft conversion is expected to last for about 9 to 12 weeks (depending on the complexity of the loft conversion project some might take longer). Some of the factors that affects the duration of a project includes the type of the loft, the design of the loft as well as the style of the property.

Generally, a loft conversion is a lot less disruptive than say completely moving a home. It all has to do with how you’re able to deal with it as a person. And besides, the effect it’s going to have to a large extent depends on the company you hire. A good company will always look to ensure to keep disruptions to a minimal when carrying out the loft conversion project.