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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.

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.

No matter how big or small a building is, it can only be as good as it’s foundation - and that’s a fact! It all starts from the footing and when it isn’t deep enough, unlike badly installed gutters or gapped hardwood flooring, can make the whole building collapse to the ground. Just like any code recommendations, the depth of the footings of your porch is a parameter that must be complied with and adjusted to suit your local code requirements.

As a rule of thumb, you should always dig below the frost line when excavating your footings. At this depth level, the moisture present in the soil will be frozen. Ultimately, this will help the ground to act as a barrier to insulate the soil below the footing from freezing during the cold months. As a result, in regions where the weather is almost always very cold the depth of your footings is expected to be at least 48 inches. But in areas featuring a warm climate, you may be allowed to install your footings on grade.

In addition, it’s compulsory that your footings must be installed at a minimum depth of 12 inches below unsettled soil. However, if you’re constructing the structure into a steep hill’s side or by the side of a retaining wall, it’s required that you maintain the least distance to grade both vertically and laterally. In the event whereby you need to achieve a good lateral barrier, you’ll need to have your foundation dug a lot deeper compared to if it’s on a flat surface. For a more accurate and updated information, you can consult your local building inspection department to get familiar with the requirements in your area.

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.

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.

Yes, bricklayers can work during the cold months, but it all depends on the type of work involved. For instance, residential housing maintenance works such as tuck pointing deficient mortar joints on exterior walls and columns as well as rebuilding of chimneys are best tackled during summer or simply put, the warmer months of the year. This is is mainly because the best results for these activities are achieved in the warmer months and several bricklayers will agree to this fact.

Mixing of mortar using anti-freeze technique to counter-act the effects of a cold weather can lead to white marks trailing down the brick when warmer temperatures comes knocking. As a result, even mortar mixing should be done at temperatures exceeding zero degree farenheit which will hold no serious consequences if the temperature should change to a little bit below the norms. During the winter, a good technique that can be incorporated to when mixing mortar would be to mix them in smaller quantities in a warmer environment. These small quantities will immediately be fed by the labourers to the bricklayers and in such circumstances, the mixed mortars will not be subjected to a freezing temperature for too long.

Generally, it would be very unwise to consider any bricklaying work to be done whenever the temperature jumps to a certain level which would be considered to be very inconvenient to work in. Interior works like remodelling of fireplaces can be tackled so long there is a warm space to mix the mortars while also keeping the materials at an indoor temperature. Bricklaying works that have, however, been completed during the colder months should be subjected to a very close inspection as well as looking for potential damage that can be caused to existing works as a result of the harsh weather.

A lot of an uninsulated property’s heat is lost through the roof and that’s even more alarming, when you realize this figure is up to a quarter of the total heat of the house. Hence, the tremendous importance of preventing this heat loss through loft insulation which will go a long way to help you against spending unnecessary thousands of pounds on heating bill as well as energy loss.

Loft insulation is an effective method to achieve the desired result, however the question is, how exactly does it work? Well, it’s time to find out!

Using either a fireplace or central heating to heat up your home, a large quantity of that heat would be lost through the roof of your home. Generally, heat rises and when it does, there’s simply no way to prevent it - it’s just science. Escaping by both the conduction and convection methods via your roof, the heat escaping through your ceiling, into the loft space and out into the open air outside can only be significantly reduced by laying loft insulation.

Generally, the added layer of insulation works by trapping the heat inside the room below the loft so as to enable the air within your house to stay warmer for longer. What’s more? The layer of insulation also keeps cold air from the outside from entering your home. As a result, you don’t have to heat your home as much in order to achieve the same temperature for each individual room. Over time, just by doing this you can potentially save hundreds pounds. Getting it installed in your home may actually seem a bit expensive at first, but it’s something that’ll eventually pay off.

Render serves two basic functions. One is it’s protective qualities as render acts as waterproof for the wall which enables them breathe by allowing water vapour move from the inside to the outside of the structure while also working to prevent water or rain from finding its way inside the structure. While the second function is the decorative qualities as render is able to provide the structure with a fine finish and colour to make the building a lot more appealing and correcting faults in line and level in the masonry.

If you wish to apply render on your external wall, you’d probably be wondering just how thick the render should be to perfectly serve both of functions. In this article, we’re going to take a look at just that!

For a render thickness, the British Standard Wind Driven Rain Index has come up with 4 ratings which include Sheltered, Moderate, Severe as well as Very Severe. An area with Very Severe rating include South West England. This rating implies that the thickness of the render in this area should be increased to at least 20mm for a direct one coat render applications as well as 5 to 6 external wall insulation base coat applications. And if you happen to reside within one mile of the coast, it’s strongly recommended you incorporate an extra repellent protection like Paraguard AG from Parex.

In general, render that’s prepared on site with cement and sand should be have a minimum of 20mm to 25mm thickness. Although, it should be noted that the quality of the render is based on quality of the sand incorporated, the design mix as well as being largely dependent on how good the mixing technique from the applicator is. The most common reasons why traditional renders fails is due to both poor mixing ratios and low quality materials used.