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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.

Sand is a very important element in bricklaying as far as a mortar mix is concerned. Generally, the quality of the sand is the major factor determining the quality of a plaster mix or mortar mix. It’s recommended that the sand should have enough ‘fines’ (- 75 micron material) to get a good plastic mix with a water content that’s less than 350 litres/m3. Generally, a mortar mix or plaster mix is made within the range of one bag of cement to 200 to 300 litres of damp sand.

Apart from experience the next best indicator of the quality of sand is a field test. In other words, if you do not have the required training or experience in bricklaying, the best bet to determine the amount of sand for a good quality mix is by carrying out a field test. Let’s have a look!

• Get about 50kg of sand and air dry it.

• Scoop 25kg of the sand, 5 kg of cement as well as litres of water ( with 1 litre and 1.5 litres of the water in different containers).

• Mix the cement and sand to form a smooth, uniform and consistent colour.

• One after the other, mix the the sand - cement mixture in the three quantities of water. Do this until you’re able to achieve a mix that’s workable enough to use as plaster.

With that done, you should take note that if 5 litres of water is sufficient then the quality and quantity of the sand is perfect. If you’d require 6 litres of water to get a mix workable as a plaster, then both the quality and quantity of the sand is average. However, if you’d need 7 litres of water to get a mix workable as a plaster, then the quality of the sand is poor. Any requirement of water above 7 litres implies a very poor quality of sand.

Pebble dash is an effective way to tune up your house or property as it can go a long way to enhance its curb appeal while also add to its resale value if you should decide to sell later on. Although, it’s highly recommended to leave this task for a reputable specialist, it’s also something that can be done as a DIY task. It must be states that this is a pretty difficult job and even more so if you haven’t attempted it before. In this post we’re going to take you through the processes involved in pebble dashing a wall. Let’s take a look!

• Mix up water with the lime strictly following the manufacturer’s instructions. Once done, leave it covered up to hydrate for at least 24 hours.
• Take one part of the slaked lime and mix it up with cement and six parts sand. This is to give the base mixture required to spread onto the surface.
• Use a trowel to apply the mixture onto the wall. Ensure that the trowel is level and use the edges to make a flat and smooth layer of the mixture on the surface as a base layer. Allow the base layer to dry for up to an hour. Then, rake the surface using a notched trowel and allow to dry for a minimum of 24 hours.
• Rinse and drain your pebbles. Then, set them under the wall you’re pebble dashing.
• Take the top coat of five parts sand and mix with one part cement and one part slaked lime. Use a trowel to apply this mixture over the base layer and smoothen it with the trowel to create a flat and even top layer.
• Spread a plastic sheet beneath the wall you’re pebble dashing to capture any loose pebbles as they fall.
• Grab the bucket of pebbles below the wall and scoop some of the pebbles up using a scoop or trowel. Some will stick and some will fall into the plastic sheet already placed below. Continue throwing the pebble dash until the surface is completely and evenly covered with pebbles.
• Lightly press and fit the pebbles on each section into the wall and leave for at least 24 hours to dry.

Often referred to by many as the holy grail of home improvements, house extension comes with a wide range of benefits which makes it easy to see why the extension could be a great uptick in the potential price of your property in terms of sales. So if you’re looking to build a new home extension but still not convinced about the project, we’re here to help you. Being fully aware any home construction work is usually a heavy investment, there’s a huge need to be set on your decision before scheduling the commencement of any work. So are house extensions worth it? Below are some of the top benefits offered by house extensions to help you decide if it’s the most suitable route for you.

• Add To Your Home’s Value

Building an home extension is a great way to add value to your home before selling. Increasing the living space of your home is an incredible appeal to many buyers which significantly increases your property’s total value. However, you must ensure that the extension is impressively designed using top quality materials in order to generate more value.

• Good Alternative To House Moving

The most common reason for moving is usually due to a lack of sufficient space, but with house prices steadily on the increase a cost effective alternative is highly sought after. This alternative is house extension which creates more space for the household to spread out and have more privacy.

• You May Not Require A Planning Permission

You can extend your house and still not need to apply for a planning permission. To achieve this, simply comply with the laid down rules set under the permitted development rights.

• Extra Living Space

If you fill you’re starting to outgrow your existing structure and do not buy into the idea of moving, then your best bet might just be to extend your home.

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.

Have you been advised by a structural engineer or a surveyor that your building needs to be underpinned? Well, this might just have you wondering what underpinning really is and how long it lasts. In this post, we’re going to tell you more about underpinning to help you make the best-informed decision possible moving forward. Let’s take a look!

Basically, underpinning refers to the incorporation of one of various methods to reinforce or repair the old foundations of a building or structure mostly to remedy or avoid subsidence. Now, subsidence can be caused as a result of poor soil quality, increase in the load on the foundation like adding a new storey, excavations below the building as well as inadequate foundation which is more common in older buildings. When an underpinning remedial work is carried out, there are a plethora of benefits that comes with it. It’s preserves the structural integrity of your building by strengthening it, make it a lot more attractive, increases the property’s value and makes it a lot safer for both you and your loved ones. So how long does underpinning last?

Well, many underpinning contractors will offer you a 10-year guarantee of its underpinning solutions for defects. Primarily, there are two reasons why underpinning can fail which is poor installation and fresh issues arising or unforeseen circumstances. While the first is an issue that can be avoided by employing the services of an expert contractor who possesses vast experience and knowledge in the field, the second can not be avoided. However, in the absence of the unforeseen issues, underpinning is expected to last for the natural life of the building, so far it has been expertly installed.

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.

It depends on the size and type of extension. Small porches or flat roof extensions are very reasonably priced. More substantial two storey extensions can be expensive. In general, the price is roughly proportional to the amount of space you add to your home.