Find a Shop Fitter you can trust in Much Wenlock.

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.

A good way to get rid of your conservatory is to sell it. Depending on its condition you may not make much money from it, but it’s an easy and financially viable way to get your old conservatory dismantled and out of the way. If you are replacing it, the installer can easily remove this for you completely.

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.

If you’re looking to purchase and install an air conditioning system in your home or property, what immediately comes to mind is the type to invest in. When it comes to air conditioners, the available choices are numerous - from window units to central air conditioning, through-the-wall air conditioners, portable air conditioners, ductless split system, package terminal air conditioners, swamp coolers as well as geothermal cooling systems. In this post, we’re going to consider the various type of air conditioners in order to help you make the best decision moving forward. Let’s take a look!

• Window air conditioners. These are the most popular type of air conditioners which are typically mounted in a window. They possess an exhaust system which pushes hot air out the back and sides while the refrigerant cooling is pointed indoors.
• Central air conditioning. This is the most effective form of air conditioning if you happen to own a large home and want all rooms cooled at once.
• Portable air conditioners. Just like window air conditioners, these are self-contained air conditioning systems. In other words, portable air conditioners have all their essential components in one appliance just like in window air conditioning units.
• Through-the-wall air conditioners. These self-contained units that operates by bringing in warm air which is then exhausted while they send cool air back into the room ( similar to window air conditioners).
• Ductless split system air conditioners. Just like the name suggests, these are two-part air conditioners that are able to cool various areas within a home.
• Package terminal air conditioners. These are the type of air conditioners that are mostly used for cooling in commercial spaces like hospitals, hotels and the likes.
• Evaporative or “swamp” coolers. Although these aren’t as common as refrigerant air conditioners but they are just as effective. While conventional air conditioners make use of a refrigerant known as Freon, swamp coolers only incorporates air and water to function.

How Much Should I Pay A Handyman Per Hour?

Are you about to hire the services of a handyman and probably wondering how much their services cost per hour is? Well, you’re at the right place! The price to be charged by a handyman typically depends on the type of work being carried out, but it’s usually within the range of £20 to £30 per hour. Another typical handyman pricing is project pricing rather than charging of a hourly rate. So when you’re being charged based on the project, you can also ensure to ask for possible discounts as there are often discounts available for larger quantities of jobs or tasks that can be completed one after the other. For smaller, one-off jobs there’s a likely possibility for a minimum charge to surface. As a result, you can expect to pay a premium for the first hour of a handyman’s professional service but a smaller charge for subsequent hours after the first. This is mainly due to the fact that a handyman will need to travel to deliver a service and it’s generally going to be a lot more economical to arrive on the site and take on a couple of tasks sequentially.

There’s a couple of varying handyman’s pricing strategies which is important to be aware of before moving forward. These includes hourly rate, charging by project as well as regular discount or bulk discount. However, if you’re loyal and stick to one handyman, they’ll generally reward your loyalty by looking at your best interest when it comes to the pricing of your projects. This showcases the obvious economy in dealing with one handyman over time and as you build a solid relationship, they’ll also get to know more about you and your projects which will enable them finish the tasks more effectively and efficiently.

One of the things that has been on the UK government’s agenda for some time now is to promote the use of renewable energy sources. In fact, the Renewable Energy Directive put out by the EU instructs all member countries to achieve a 20 percent renewable target before the year 2020. The UK’s commitment to this objective has been made quite glaring with a number of funding options that has been put in place to help business owners looking to solar panels on their properties. This commitment was also showcased by a reduction in the cost of solar panels, so new investors have little to worry about. Although there aren’t any grants in the conventional sense, but there are opportunities for solar panel funding in the UK. At present, the only scheme open to new applications is the SEG - Smart Export Guarantee which came into effect on 1st January, 2020.

In general, there are four notable incentives in the UK for solar panels which includes the aforementioned Smart Export Guarantee, Reduced VAT on Energy Saving Products, Feed-in Tariff ( no longer open to new applications ), as well as the Renewable Heat Incentive ( RHI - applies only to solar water heating ).

Being the only one still open to new applications, we’ll provide you with some insights on SEG. The Smart Export Guarantee allows small scale low-carbon electricity generators to receive payments for surplus energy they’re able to export back to the grid. Although, this is not a direct government scheme, all licensed suppliers are necessitated to offer an export tariff to their customers. Those suppliers with more than 150,000 customers are obligated to offer a tariff, while the suppliers with fewer customers can partake on a voluntary basis.

This is one of most common and discussed dampness found in building. In recent times, condensation is the most common form of dampness, however positive identification and the right corrective action for both is vital. Rising damp is simply referred to as the flow of water upwards and vertically through permeable wall structure, the water being gotten from the ground. The moisture rises via the capillaries or pores in the masonry, meaning that the masonry functions just like a wick. With rising damp, water rises through the mortar beds and through the bricks. The mortar forms the only continuous pathway for the moisture to rise up the wall. Even if a house is built from impervious bricks then moisture can still rise through the mortar beds, however if an impervious brick is incorporated then water will not rise even if the bricks happens to be quite porous. In other words, mortar beds are an integral element in the chemical treatment for rising damp.

The moisture coming from the ground features small quantity of soluble salt which includes nitrates, chlorides as well as sulphates. These are transmitted with the water up the wall and are deposited and left behind when the moisture evaporation when drying. After some time, the salts will slowly accumulate and form a salt band close to the peak height of the rising damp. Chlorides and sulphates absorb water from the environment. Overall, the higher the quantity of salts, the greater the absorption of moisture from the environment and even more so when under humid conditions. In other words, even if rising dampness has been controlled by the installation of damp proof course, these salts can still make the wall and any affected decorations to remain damp.

How Much Does A Loft Room Cost

In the event whereby you happen to run out of space in your home and extending sideways or moving out isn’t even a considerable option, the next best solution is to look upwards - the loft. The loft can be converted into a room that can used to satisfy varying purposes, be it a storage room, bedroom, home office, spare bathroom and more. There are a number of loft conversion styles you can go for including a room in loft conversion, dormer style conversion, mansard conversion, or a hip-to-gable conversion. Regardless of your choice, each of the types will not only give you new rooms to enjoy but also add value to your home. However, before getting started, it’s crucial to have an idea of the loft conversion cost to help you prepare a budget and begin planning. Here, you’ll discover the most likely loft room cost for each conversion style you opt for.

• Room In Loft Conversion

This is only suitable for some specific home, but it’s however the most affordable option of the lots. This loft conversion style will cost within the range of £15,000 to £20,000 (prices can be higher in regions where tradesmen are higher in demand such as London and the south east).

• Dormer Loft Conversion

These are relatively simple and straightforward to include in your home. The cost ranges between £31,000 to £58,000 depending on the conversion’s size and other factors.

• Hip To Gable Loft Conversion

This style of loft conversion is more complex than the aforementioned ones, hence they’re usually more costly to complete. The price ranges between £42,000 to £65,000.

• Mansard Loft Conversion

This style of loft conversion is the most complex of the lot and includes a complete overhaul of your loft. The price ranges between £45,000 to £70,000.

• Bungalow Loft Conversion

Any of the main styles above can be done to a bungalow if the planning requirements are fully complied with and if the property is suitable. The price ranges between £30,000 to £70,000.