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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.

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.

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.

External wall insulation works to keep your home cosy and comfy while also helping to cut the energy bills. However with the great benefits also comes great costs, so it’s actually a logical decision to know whether there are grants out there which you’re eligible for to help you handle the cost of the external wall insulation.

There are grants available for external wall insulation, but rarely will you find one that covers the full installation cost. With the help of the government’s Energy Company Obligation (ECO) scheme, a couple of energy companies assist in making your home more energy efficient by offering grants or free insulation. In certain cases whereby you receive particular state benefits, you may as well qualify for a higher grant that’ll cover more of the insulation cost.

However, if your energy supplier doesn’t offer any grant, you need not worry as you can save as much on energy bill after installation. Here’s what insulation can help you save per year on energy bills:

• Floor insulation can help you save within a range of £30 to £75 each year.

• Cavity wall insulation can help you save about £85 to £280 a year.

• Loft Insulation (270mm) can help you save about £135 to £250 a year.

Generally, the amount you’ll be able to save on your energy bills depends mainly on the type and size of your property, as well as how energy efficient it already is without the insulation. In the long run, your external wall insulation will more than give you back your investment on the valuable project through your savings on energy bills. In other words, whether or not you’re eligible for a grant should never stop you from installing an external wall insulation.

If you’re planning to acquire Sharps fitted wardrobes, one of the first few things that comes to mind is the cost to make such an acquisition. Generally, prices of these items can vary significantly. However, you should note that the more affordable end of the spectrum is most likely going to be around £750 to £900 per lineal metre, while mid range Sharps fitted wardrobes are usually within the range of £1400 to about £1600 per lineal metre. And finally, the high end customized Sharps fitted wardrobe are possibly going to be within the range of £3000 to £3500 per lineal metre.

The price of the Sharps fitted wardrobes is mainly determined by the fitted wardrobe solution your opt for. So let’s look at the estimated price range of Sharps fitted wardrobes depending on the styles you want for your home or property.

✓ There are the stylish, mordern sliding doors Sharps fitted wardron=be with mirrors that’ll make your room feel a lot bigger. If the type you opt for possesses three sections, then you’ll should expect to pay a price within the range of £2800 to about £3600 to have it fitted depending on the size of the room as well as the chosen finishes.

✓ Handcrafted, bespoke fitted bedroom wardrobe. This will cost about £2500 to £2900 with simple design details but the price can increase with ornate features like mouldings etc.

✓ Large bedroom 3m 80ccm three sections six door. This normally features finishes on both the interior and exterior as well as hanging space for clothes. It’s usually around £4900 or more.

✓ Simple two section closet. The price of this fitted wardrobe is usually within the range of £3200 to about £3500, but it could also be more depending on the design details you wish to implement.

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.

Presenting with its unique sets of components, the price for every house renovation project varies considerably. Though giving a proper price for the house renovation is not possible, you can generally expect to pay anything between £40,000 and £75,000 for renovating a three-bedroom house.

You must list out all the changes needed since renovation comes with several potential costs. This makes it easier for you to calculate the renovation costs and start planning your budget accordingly.

Let us take a look at some of the crucial factors that affect the cost of renovating a house

• Property size

• Property’s condition and age

• Complexity oof the job

• Structural work

• Building extension work

• The quality of materials, fixtures and finishing

• Decoration

• Location

When it comes to renovating a three-bedroom house, the average cost is around £ 57,000. A new gas supply will cost you around £1,500, depending on the route of the supply. There may other additional costs involved if you are looking to do any work to extend the gas supply line.

The cost of rewiring a house is in the region of £5,750. That price will also be dependent on the complexity of the electrical systems in your house and the size. If you are looking at installing a new set of windows, it can cost you up to £6,000, with the average cost being about £4,250. Replastering walls will add another £2500 to the total budget. A new kitchen will set you back around £7,000, on average including the cost of design, materials and installation. Most renovations will need a new bathroom. Installing a new bathroom will cost you around £4,250.

The short and simple answer to this question is yes, you can build a room in your garden. In fact, if you want an additional space for a living room, dining room, games room, study room or perhaps you want something as cool as a pool house, then looking at your garden for a solution may just be the perfect answer to your need for an extra outdoor living space.

Outbuildings such as garden rooms do not usually require planning permission as they’re usually covered by the permitted development. As a result, making it even a lot more attractive to homeowners who would not like to pass through the stress involved or pay the money required to submit an application for planning permission. However, if you need your garden room to be covered by permitted development ( if it’s not a listed building or in a designated area), you must follow these guidelines:

✓ The garden room shouldn’t be in front of your home or property.

✓ The total area of your extensions, sheds and outbuildings ( which includes your garden room), must not go beyond 50 percent of the total land area surrounding your property.

✓ It must be a single storey that’s less than 3 metres high ( 4 metres for a dual pitched roof). And it must not go beyond 2.5 metres in height if the structure is within 2 metres of your boundary.

✓ The eaves must not go beyond 2.5 metres above ground level.

✓ It must not feature a balcony, veranda or any raised platform

✓ It must not be a self contained living accommodation.

The position of your garden room will be partly determined by the space available in your garden. If you need it to link it to your utilities then positioning it a bit close to your main house would be a cost effective choice unless you’re using off grid sources of power, heat as well as water.