Find a Shop Fitter you can trust in Lochgilphead.

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.

Are you worried about blocked drains? Yes, you probably should! As a homeowner ( with a detached, semi detached or terraced house), all plumbing and drainage issues within your home or even within your property boundary is your responsibility. Hence, you’d might want to consider getting a Homeserve plumbing and drainage cover to help keep your home running smoothly and putting your mind at ease. The only exception here is if the drain in question is a lateral drain which is a common feature in flats. In this situation, it’s only the building managers that would be responsible for the maintenance of the drainage as it’s shared between several homes. Before 2011, the various flats or houses that shares the lateral drain are responsible for its maintenance.

Working with top utility companies for over 2 decades, Homeserve has positioned itself as one of the leading home assistance providers in the United Kingdom. With their top notch services, they’ve been able to make their client’s lives a lot easier and stress free through the provision of a wide array of repair solutions such as drainage, plumbing, heating, electrics and a lot more.

As a homeowner with the responsibility of maintaining the drains and ensuring there’s no block or damage, it’s simply a no brainer to go for a plumbing and drainage cover and more importantly, get good cover. Homeserve are one of the providers but there are a number of others which offer great service at competitive prices. Without an insurance in place, you may just have to break the bank just to have an engineer or plumber to fix any plumbing or drainage issue you might have. So why not give yourself a peace of mind and get a cover today?

Driveways usually sink because they haven’t been laid properly. They may not have been dug deep enough, or the installer might not have used the right materials. This will need to be corrected at the earliest opportunity, although in extreme cases, the driveway may need to be completly be relaid.

If your house is built before the 1980’s it’s likely to contain some form of asbestos material which when disturbed can release some harmful fibres whose inhalation can lead to a number of fatal diseases and health issues like lung cancer and asbestosis. If you suspect that your house contains some asbestos materials, the best step to take is to call in a qualified asbestos consultant to carry out a thorough inspection of the area so as to identify the potential asbestos containing materials in your property.

The result of the testing done will bring a peace of mind as it’ll confirm whether or not the material actually contains asbestos. In the event whereby the testing result shows that the material does not contain asbestos, this will significantly reduce your renovation or demolition cost. So if you’re wondering how asbestos testing can be done, simply continue reading.

Identifying asbestos is as simple as just looking at the material with the naked to check if it contains the harmful substance. The presence or otherwise of a potential asbestos containing material can only be confirmed by laboratory testing. A qualitative identification of asbestos in a bulk sample is the best method for testing for asbestos. This asbestos testing process involves taking a look at the fibres under a polarized light microscope and under varying conditions to determine the kind of asbestos it is, if present. The result of the testing, if positive, will identify the type of the asbestos discovered and this can be either white or chyrsotile asbestos, brown or amosite asbestos or, blue or crocidolite asbestos. However in the event whereby the sample doesn’t contain any asbestos, the test result will show NAD or No Asbestos Detected.

Asbestos is very dangerous if inhaled. It can cause a variety of lung-related diseases. Asbestos will generally not be released into the air unless it is disturbed. You should be very careful if you suspect there may be asbestos in your home and have a survey carried out to check that it is not being released into the air.

No, you will need a satellite dish to receive a satellite signal for services like Sky or Freesat, as these are specific channels and programmes only broadcast via this medium. These can be installed in a similar way to a standard TV aerial by a recognised engineer.

How Much To Plaster A Room?

Generally, the standard of plastering in older houses leaves a lot to be desired. Having settled for so many years, there is a lot of tendency that anything brittle will break or crumble with the movement. And this is exactly where plasters fall.

Plaster provides a wide range of functions in your home and as a result, has grown to become very popular amongst several homeowners. So if you want to plaster a room, you might just wish to estimate the cost so you can set a budget and start to plan. However, there’s no short and simple answer to this as the cost of plastering is based on a number of factors. These factors include the dimensions of the room, the accessibility of the surface, the condition of the existing plaster as well as the size of the company.

So if you want to paster your room, you can either remove the old plaster or skim a 3mm plaster coat over the existing one. In respect to the two options, the prices will also vary. However, several plastering experts will charge either on the average room size or a daily rate. This is due to the fact that they know approximately the number of area they can cover in a day’s work. You can, however, request a quotation which specifies the costs per square metre in order to allow you compare with other contractors. In reality, several plastering professionals use either small, medium or large sized room as the yard stick for providing a quote.

Generally, for a small sized room, you’ll have to pay about £600 to £700, a medium sized will cost within the range of £650 to £1000, while a large sized room will cost between the range of £1000 to £1500.

Insulating your loft roof comes with a wide range of benefits. Not only do you get to maintain a comfortable temperature in your house for longer, but you’ll also get to cut down on your heating bills. If you wish to insulate your loft roof, you’ve come to the right place! This process can be very tedious and time consuming especially if you don’t what you’re doing or lack the required confidence to pull it off. It’s advisable to hire the services of a reputable professional who can guarantee the best results for help and also save you some time and money that can come from potentially costly errors.

Before you start rolling out, you’d have to make sure that all cracks, gaps and holes in the ceiling are filled with either a standard filler or decorators caulk. You can also clean between between the gaps in the joists thoroughly. And finally, check for hazards that can cause you problems before getting stated.

• Remember to leave ventilation gaps as you start from the eaves. Then work towards the loft’s centre, starting from the point furthest from the hatch.
• Lay the first layer between the joists which should be 100 mm and then the subsequent layer should be 170 mm to make it up to the recommended 270 mm.
• Carry the electric cables above the insulation and work around visible light fittings.
• Cut the roll in the centre of the floor when rolling out from the eaves on both sides with the help of a craft knife. Ensure that there are no gaps between the insulation and the joists’ edges.
• Lag pipes as you go in order to prevent walking over the insulation to get back to them.
• Ensure that the loft is totally insulated
• Insulate the hatch.