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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.

How To Lay Loft Boards

Do you need more storage space in your home or property? If you live in a tiny space especially where extensions can’t be made sideways, why not look to the topmost area of your home and consider boarding out your loft to make it usable?

Boarding your loft can make for a fairly easy DIY project but like every other home improvement tasks, it requires some specific skill sets as well as knowledge for a successful construction. Therefore, we’d recommend you hire the services of a reliable professional in order to guarantee the best possible outcome, especially if you lack proper training or experience that’ll help you avoid some costly mistakes. Here, we’ll give you a good insight into the loft board laying procedures.

• Get The Right Tools & Equipment

The materials and supplies you’ll need to lay loft boards include loft boards, screws, tape measure and pencil, drill, hammer, saw, protective gear such as gloves and dust mask.

• Work Out The Area

Measure up the area you need the boards to cover. The standard loft features two different sizes (both are 18mm thick) which include 2400mm x 600mm and 1220mm x 320mm. You should ensure that the board you opt for fits through the loft hatch perfectly.

• Start Laying

Once you’re done working out the area, the next step is to put on your protective gear and start putting the boards in place. You should lay the boards in a staggered pattern so as to give a better strength. While doing this, watch out for any wire running through your loft so they don’t get trapped, you should also cut the boards for easy access to the light fittings’ top.

• Make It Permanent

Upon the successful placement of the boards in a way that offer a safe area to store things and stand on, you’ll have to screw them in place. Start by drilling 2 or 5 holes along the edge of individual boards in such a way that lines up with the centre of the joist below. Once done, then you can fix them in place with screws.

How Much Is Plasterboard?

Do you wish to install plasterboard in the nearest future? If yes, then you’d probably want to know the amount it’s going to cost. Here, we’ll give you a detailed plasterboarding prices breakdown to help you calculate an estimate for your project.

A plasterboarding project including the cost of both materials and labour with the use of a high quality panels is about £4 to £5 per panel. Therefore, if you wish to calculate on the basis of a standard room about 12x12ft would cost about £500 to £600. However, this price can fluctuate significantly depending on the professional as well as the quality of the materials you wish to incorporate in completing the project. We’d recommend that you hire the services of a professional with accreditation as he would provide you with a detailed quote with no hidden charges or costs. To give you a clearer idea, we’ve taken the time out to put together some estimated costs of employing the services of a seasoned professional plasterer to supply and plasterboard your home or office. Let’s take a look!

• A 6 x 12ft room with panels and plasterboard should have an average cost within the range of £250 to £400 and duration of one to two days.

• The individual cost of plasterboarding or drywalling a standard 12 x 12ft room should have an average cost within the range of £500 to £600 and duration of one to three days. These includes 60% for materials used (£330), 30% for tradespersons (£165) and the remaining 10% for waste removal (£55) to give a total cost of £550.

• A 12 x 24ft room with panels and plasterboard should have an average cost within the range of £1000 to £1200 and duration of three to six days.

How long it takes to install insulation will depend on the size of your property. In general, loft and cavity wall insulation can be installed in a day or two. External wall insulation will usually take longer to install. The rep or installer will be able to advise you when quoting for the job how long this will be.

Cement is a crucial element in bricklaying that’s widely used in both construction as well as finishing works. Generally, they’re used to aerate concrete blocks, connect bricks, prepare plaster, floor levelling as well as the making of precast products. The major reason cement is one of the most common construction materials as its incredible ability to hold structure together. To get a cement plaster, you’d simply have to mix cement with both water and sand. However, when you mix cement with lime, sand and water, you’ll get a mortar.

For cements mortars to be used inside joints, you’ll have to include 1 part cement at the minimum to not more than 2 parts sand by weight which should be dry mixed and moistened with enough water to allow for troweling and packing without falling apart. Generally, the cement sand ratio in a mortar is in between 1:2 to 1:6. The cement and sand mix ratio is largely based on the importance of the project.

Cement provides a plethora of uses in bricklaying and these includes:

• Preparation of cement concrete

• Preparation of cement mortar

• Building fireproof and thermal proof structures

• Building chemical proof structures

• Serving as a grout material

• Building hydrographic and frost resistant structures

• Manufacturing precast members

• Constructing aesthetic concrete

• Constructing cement concrete roads

There are several types of cements with each having its specific purpose. For instance, the type of cement more suited to building a fire proof structure is a high alumnia cement and to build a hydrographic structure, cements like expanding cement, hydrophobic cement, pozzolana cement and quick setting cement are the best bet. Acid resistant cements are more useful in building chemical proof structures, portland cements are best suited to making grout materials, while coloured cements are preferable to building aesthetic structures.

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.

Typically, loft conversions do not require planning permission except in certain situations. They’re usually covered under what’s known as Permitted Development. Certain building works like loft conversion, rear extension and conservatories are granted planning permission by local authorities. Permitted Development, however, gives you a free range to improve your home without having any issues from the councils or regulations. Before your planned loft conversion can be covered under Permitted Development, there are some certain criteria that must be met. This criteria includes the following:

✓ The extension must not go beyond the existing slope of the roof at the front of the house.

✓ The loft space converted must not go beyond 40 cubic metres in a terraced house.

✓ The roof’s height must not be increased by the extension.

✓ The loft space converted must not reach beyond 50 cubic metres in a detached or semi detached house.

✓ The plan for the extension mustn’t involve structures like balconies, verandas or anything other structures of this nature.

✓ The roof extension should be positioned as far back as possible or at least 20cm from the existing eaves.

✓ The side that faces the window openings should be at least 1.7m beyond the floor and the windows should also be obscured.

✓ The roof extension must not overhang the existing roof or wall of the house.

✓ The materials that are to be used must be similar or the same to the materials that has already been used on the house’s exterior.

However, you should bear in mind that there are some properties that are exempt from Permitted Development. Examples of these type of properties include conservation areas, Areas Of Outstanding Natural Beauty and World Heritage sites. Permitted Development does not also provide coverage for listed buildings.

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.