Find a Builder you can trust in Banbury.

Have you decided to improve your property instead of moving? The common problem most homeowners face after deciding to embark on a home extension project is not knowing where to start. In this article we’ll walk you through everything you need to consider and put in place before commencement of your home extension project.

• Is the extension worth it?

Before breaking the bank, you must be sure that the project will add good value to your home. In terms of “value, this is not only limited to the financial gain after disposal of the property, but also several other juicy benefits to be derived from extending your home like an extra living space for the household to spread out and more.

• Do you need a planning permission?

Check with your local authority to determine whether or not you’ll require to submit an application. You can also consult a building expert like an architect for advice.

• What are the building regulation?

Even though planning permission can be dodged, you can not avoid building regulations. These regulations are the set national minimum standards for construction and design which you must comply with to ensure the safety of the individuals in and around it.

• Who will design the extension?

You have to decided whether you’ll hire a professional architect to design the extension or not.

• Who will manage the building work?

If your home extension project is designed and built by a professional company, they’ll be responsible for the management. However, if you decide to use an architect or designed it yourself, you’ll have to hire a main contractor to manage the build.

• How to set the budget?

There are so many factors that can affect the cost of an extension, so it’s better to get the costs from your builder before proceeding.

• Do I need yo inform my home insurance firm?

Absolutely! This is very important as the new extension may affect the rebuilding cost of your property which could have an impact on the policy premium.

• Do I need to inform my neighbours?

It’s very important to discuss your plan with your neighbours before applying for a planning permission and communicate about the concerns they might have.

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.

Wall rendering is basically a process which involves the application of sand, cement or polymer covering to a home’s exterior in such a way that enhances its look while also offering an improved stability. The process is a perfect solution for several exterior concerns mainly due to the support its able to provide. It’s highly beneficial for older homes whose walls may suffer from poor quality because of wear over time, while it’s also greatly advantageous for newer homes as it increases their stability while also enhancing their visual appeal.

Knowing how to apply render is a great skill to have with your home’s upkeep in mind. The project can be done quite easily by any competent and confident DIYer. However if you lack any of those attributes, then we’d recommend you get in touch with a reliable professional for help. In this article, we’ll take you through the wall rendering process.

✓ Prepare the walls. This involves examining the wall, repairing any structural defects as well as stabilizing any movements to prevent the render finish from failing.

✓ External details. This includes the removal of bargeboards, rainwater, soil pipes, alarm boxes and all other external details.

✓ Insulation. In the event whereby external wall insulation is to be fitted, this is the stage to do so.

✓ Developing a foundation for the render to fix to. Apply a render mesh over the insulation, bedded into the first base coat layer of render.

✓ Building up the render.

✓ Render finishes. There are a wide range of colour options as well as various finishes available from very smooth to textured. However, you should note that thin coat render systems are usually designed to be self coloured.

✓ Final finishes. This involves the re-application of the external rainwater, soil pipes and the other external details.

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.

If you’re planning on adding a house extension to your property, you’d probably be worried about whether or not your proposed extension would require a planing permission. Well, it may be relieving to know that not every house extension project would require a formal consent, and in fact, several extensions are covered by the permitted development rights. Not only can this save you a considerable amount of time especially at the project’s planning phase, but it’ll also save you money on the application fee. In the UK, single storey extensions to the house’s rear can be 3 metres deep for both semi detached houses and terraces or 8 metres deep for detached homes.

So how do you know when you’d require a planning permission for your home extension? Well, if your extension plan fits these criteria explained below, then your project is most likely going to be allowable as a permitted development.

• Extensions, which includes previous additions, must not go beyond half of the original house’s total surrounding land area.

• The main elevation, or side elevation where it fronts the highway, must not be extended forward.

• For single storeys, the rear additions must not extend more than the original house’s rear by more than 3 metres in both semi attached homes and terraces (4 metres for detached houses).

• Extensions to the side must be a single storey with a height not exceeding 4 metres and not going beyond 50% of the original house’s width.

• Extensions hat within 2 metres of a boundary should have a eaves height not more than 3 metres.

• Multi storey addition must not extend beyond the original house’s rear wall by a maximum of 3 metres or 7 metres of the boundary opposite the rear wall.

• Permitted development rights do not apply in listed buildings or designated areas.

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.

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.

When it comes to house renovation costs, nothing is certain. As a rule of thumb, you should always expect the unexpected. Unforeseen circumstances (mostly unfavourable) can crop up from anywhere, at any time, greatly affecting the cost of the project. However, if you’ve completed proper planning and done your due diligence on your property before commencement, there’s absolutely no reason why you can’t put the works on budget.

The cost of a house renovation project depends on a lot of variables. These variables include the type of property you’re undertaking as well as the amount and complexity of the entire project. What’s more? Whether you decide to do some of the work yourself or wish to hire quality tradespeople to cover the entire project will also tell on the cost of the home renovation.

In the event whereby you wish to completely gut your property and begin from square one, here are some of the cost you’re most likely going to incur:

✓ Planning applications and building controls

✓ Architect’s design and specifications

✓ Contractors and build costs

✓ Snags as well as unforeseen problems

What will be the biggest cost, which will be determined by the amount of work you need done, is most likely going to be the structural and building work, which can reach up to tens of thousands of pounds.

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.