Find a Builder you can trust in Beccles.

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.

Whether a basement is worth converting depends on your location and how much work it requires.

A basement conversion can be a great way to add space to your home, and can raise your property value. However, it can also be one of the most expensive ways to do this, so if there’s a possibility to extend your property, or convert a loft or garage, it’s worth considering this first.

You should also compare how much your basement conversion will cost with the amount it could raise your property value by. In some areas, a quality basement conversion could earn you money in the long run, but in others it’ll only cost you. If you’re planning on staying in your property for a long time this might not matter to you, but if it’s not your forever home then it’s an important thing to think about.

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.

If you’ve converted a non-residential barn into a home, you might be able to reclaim some of the VAT that you’ve paid for your project. This includes money spent on:

• Construction materials

• Flooring

• Light fittings

• Kitchen units and worktops

• Electrical, heating and plumbing materials

To reclaim your VAT from HMRC, make sure you request and keep all of your invoices. You’ll also need proof of planning permission and evidence of completion. You should then submit your claim with all relevant paperwork within three months of receiving your completion certificate. You’re only allowed to submit one claim, so you’ll need to make sure you get it right first time.

With the numerous benefits that comes with the installation of an external wall insulation in a building, it’s also important to find out whether it’s also safe before proceeding to fit one in your home. Firstly, to ensure that external wall insulation systems are safe, they must be BBA approved, which means they’ve been subjected to a thorough testing by the British Board of Agrement and therefore, suitable for use in UK homes.

Given the fact that cladding materials have recently generated a lot of debate and negative press about how reliable some particular materials are, questions are being asked of the safety and reliability of external wall insulation. However we must clarify that, although external wall insulation can be classified under cladding, it is very different to rainscreen cladding - which caused the Grenfell fire tragedy.

External wall insulation is completely safe. However, when it comes to fire, the safety of your system depends largely on the insulation type in question. The safest type of insulation you can have installed is the Rockwool insulation boards which are rated as Euroclass A1 non-combustible. The board is specially designed in such a way that it contains fire - preventing it from reaching the other areas of the building. They also do not produce harmful emission or smoke when impacted by fire.

Meanwhile, the Wood Fibre, is also a great insulation which is known to char and not burn. Contrary to many beliefs, it actually burns slowly creating this charring effect which produces an oxygen barrier that helps reduce the spread of fire.

To make your system safer, you can also make use of Fibreglass Mesh for reinforcement. It helps to improve the strength of the tensile which promotes the security of the boards attached to the wall.

Planning permission is not normally needed for a loft conversion as they are covered by permitted development rights. A conversion company will tell you if you do and help you with this. For more information, see our article about planning permission.

How Much Do Roof Rooms Cost?

The price of your roof room may vary depending on your location within the country. Other factors that can also play a key role in determining the price of a roof room includes the conversion’s type as well as the legal and technical issues it’s currently facing. Usually, the cost of roof rooms will range between £1,200 to £2,000 per square metre. The differences in the price per square metre is influenced by the size of the alterations to the roof, the type of roof room to be constructed, the access, location as well as the finishing type.

• DORMER LOFT CONVERSION.

Here, one of the slopes of a pitched roof is substituted for a box-shaped structure. The outcome is a flat roof space which enables the fitting of full sized windows as well as the incorporation of several appliances. This is quite expensive as it involves a total rebuilding of one roof pitch alongside the complete internal works that are associated. The average cost of a standard dormer loft project will range between £25,000 to £50,000.

• HIP TO GABLE LOFT CONVERSION

Here a vertical brick wall is used to substitute the roof’s slope at the ending part of the terrace on detached buildings. The average cost of this type of roof room will range between £32,000 to £60,000.

• ROOFLIGHT LOFT CONVERSION

This basically involves fitting rooflight windows in the roof. Other improvements include flooring, plasterboarding, strengthening of the existing floor, as well as installation of rooflights. The average cost of this type of roof room will range between £15,000 to £25,000.

• MANSARD LOFT EXTENSION

This roof room can create an extra storey on top of an existing building as it makes a space featuring two or four external walls that are a bit sloped. The average cost of this type of roof room will range between £40,000 to £70,000.

In the event whereby you’ve got big refurbishment ideas for your house but a small budget, then you know it’s time to be a bit more creative and apply some cheap and simple tricks. The best possible way to go about this is to invest time in acquiring new skills rather than trying to save up more money to pay a pro to deliver the results you want. After all, the most significant cost when it comes to house refurbishments is usually the labour cost.

The key to making cheap tricks a lot effective in the refurbishment process is by undertaking small tasks that’ll make a huge impact. A great way to start would be by taking it one task at a time rather than rushing to complete all at once. This way, you’ll have enough time to perfect your skills before moving on to the next.

✓ Paint the interior walls. Although this is a simple task but it’ll save you a lot of money if done as a DIY project. To get started, you’d have to text colour options by painting samplex on the wall first. Once done, you can go for the one that adds warmth, dynamism as well as energy to the room.

✓ Fix up your furniture. This involves re-upholstering and refinishing any piece of furniture that appears tired or overly worn (you can leave out the ones that you do not really like or unnecessary items).

✓ Spruce up small but important items used on a daily basis. This includes spray-painting inexpensive picture frames, recovering lampshades with a vibrant paper or patterned fabric, adding throw pillows to armchairs and couches and the likes.

✓ Fix all small things that are broken. This includes activities like patching the nail holes in the wall, repairing the latch on the kitchen cabinet, fixing the gutter, putting a new handle on the door and lots more.