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With the ability to add approximately one third of your existing living space ( by converting your old, unused attic) to your home or property without having to let go of your garden, it’s quite easy to see the reason why loft conversion has rapidly grown to become one of the most popular home improvements in the UK. However some homeowners usually shy away from the idea simply by looking at the perceived high cost of carrying out such a project, despite several researches showing that loft conversions offers the best rate of return on initial investment when compared to the other home improvement projects. So exactly how much would it cost to carry out this project?

Just like several other home improvement projects, the cost of a loft conversion varies greatly depending on a wide range of influencing factors. These factors include the size of your home, how old your home is as well as the quality of the fixtures and fittings you want to install. For instance, a high end bathtub alone can cost you thousands of pounds, meanwhile you can also construct a full bathroom suite on just a couple of hundred pounds. However, to give you an idea of the minimum cost of a loft project we’ll look at the most popular types and the minimum cost of each.

✓ Internal Loft Conversion - The most affordable type of loft conversion tends to start from £25,000 and above.

✓ Dormer or L-Shaped Dormer Loft Conversion. These are the most popular types of loft conversion. Dormer price tends to start from £35,000, while the L-shaped dormer starts from £45,000.

✓ Mansard Loft Conversion - This involves replacing the entire side of a sloping roof with a vertical wall and flat roof. It requires a planning permission. The type of loft conversion usually starts from £45,000.

✓ Hip To Gable Loft Conversion - This usually starts from £50,000.

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.

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.

Refurbishing a house brings about a plethora of benefits. These includes an increased sale value, an improvement on your quality of life or even simply to make it more visually appealing. All these are great when you look at them, but one thing that happens to be an hindrance for several homeowners is the cost of getting the project done. You may wish to set a budget, plan and prepare before commencement of the project, but the fact remains that, when it comes to refurbishing a house, nothing is certain. In fact, it’s advised to always expect the unexpected and have a lot of cash in reserve just in case something goes wrong. There are a wide range of factors that can play a key role in the overall cost of a house refurbishment. Minor refurbishment that should cost around £30,000 can easily go up to over a whooping £150,000 for a total transformation. Most of this cost will be expended on labour, and the next most significant expense, which is sourcing materials.

In general, the cost of your refurbishment project will depend on some factors which includes the size of the project, the materials used, the refurbishment or renovation level, the location of the property, the quality of the contractor hired and lots more. To estimate the cost of refurbishing your property, you can follow these simple steps:

✓ Write down a detailed list of all the things that needs to be done per room and try to be as specific as possible.

✓ Carry out a research of the labour cost in your area as well as the raw materials’ cost (here, you can make use of guides such as home advisor).

✓ Add an extra 10 to 15 percent on top of the calculated estimate for uprisings and repairs.

✓ Talk to your contractor to get a more accurate quote.

One of the main reasons why fitted wardrobes are a popular choice amongst homeowners is due to the fact that they’re able to help maximise storage space and since they’re usually customized for the particular room, they’re always good looking. However, just like any other home item, over time your installed wardrobe may start to look a bit dated and old fashioned. In these type of events and in order to save money, several homeowners would prefer to update its look to a more modern one without having to completely replace the fitted wardrobe with a new one. In this guide, we’ll give some great tips on how to update your old fitted wardrobe. Let’s take a look!

✓ Add mirrors to the wardrobe doors. Your old fitted wardrobe may be made of old fashioned laminate or chipboard which happens to draw scratches and dents here and there. If this is the case, you can simply add mirrors to help conceal the damage or unsightly marks.

✓ Include decorative trimming or panelling. You can choose from the various styles of trimmings you’ll find at hardware stores. By adding some strips of moulding, the whole look of your fitted wardrobe can change significantly.

✓ Painting. If the surface of the wardrobe permits, painting can go a long way to alter the look of the wardrobe.

✓ Change the handles. Handles may seem as a little item that doesn’t add to the aesthetics of the wardrobe. However, in reality, change your old handle with a more modern and fashionable one can make a great difference to the wardrobe’s overall appearance.

✓ Upgrade the interior. You can upgrade the interior of your wardrobe to give you more options and a better appearance. For instance, you may wish to have part of the wardrobe to offer integrated shelving or perhaps pull out drawers rather than having all the interior space for hanging clothes and garments.

Garage conversion is a great way to add extra usable space to your home without having to extend your property. A fun fact is that, in the UK if you have your car parked in the garage, you’re in the minority. According to a research carried out by Admiral Loans, just about 33 percent of home owners in the UK store their cars in the garage. For most people the garage is literally a dumping ground that’s never fully utilized as such. In recent times, the garage is now being used to store a variety of other stuffs asides a car which includes garden furniture, tools and appliances, utilities such as washing machine, fridge and freezer as well as food and groceries. These facts show that more and more people are underutilizing their garage when they may actually be in need of more usable space in their property. So why not put into consideration converting the garage into a new space that would be able to serve more purpose?

If you’ve decided to convert your garage, you’d probably want to know the how long the project will take. There are a wide range of factors that can determine the duration of a garage conversion project. These factors include:

• If the foundation needs reinforcing

• If the floors, walls, or roofs are in a bad condition.

• If the ceiling height needs some raising

• If the insulation required in newer builds.

All aforementioned factors will make the garage conversion project take longer than expected. However, in normal situations garage conversions are relatively quick to complete once you start the building works. A single-car conversion will usually take about 3 to 4 weeks to complete depending on the existing garage’s structure.

After making the decision to refurbish your home or property, the next obvious step is finding the right builder to get the job done. The process of getting a good and reliable builder can be a very tricky one especially when you don’t plan ahead. And in truth, the outcome of your house refurbishment project can only be as good as the contractor your hire. Consequently, finding the perfect builder for your task should be a top priority to get the best return on investment. Here are a few sources that will put you in the right direction to finding a reliable home refurbishment company.

✓ Friends, Relatives & Neighbours

If you have a friend, relative or neighbour that have recently completed a home refurbishment project, you can go for a visit to check out the work done. If you’re pleased with the work, you can proceed to ask about the work ethics of the builder and get the contact if satisfied.

✓ Internet

With the rapid rise of online technology, there’s hardly a service you can’t find on the internet. Websites like HomeAdvisor have been helping people find their desired service providers with relative ease for so long. To get the right building contractor online, it’s advisable to check reviews as well as testimonials before moving forward. Nowadays, you’re most likely going to find so many positive online reviews as some businesses now go to the extent of dubiously writing good reviews for their companies. As a result, it’s recommended to pay closer attention to the negative reviews and check if it’s something you can cope with before hiring a contractor.

✓ Store Contact Lists

You’ll discover a long list of building contractors on several stores trading building materials. These builders may not be affiliated with the store owners, but many stores see it as their responsibility to point you in the right direction so that the building materials acquired from them can be put to good use.

Over the years there has been an increase in the recommended thickness of loft insulation by the government. Obviously, the reason behind this is pretty simply - the thicker the layer of your loft insulation the bigger your savings. The UK government is very keen to every house in the country to have loft insulation fitted where possible as it helps to minimize the heating demands of these properties. Households get to benefit from loft insulation in so many ways which includes reduced energy energy bills as well as having a home that stays at a more comfortable temperature for longer.

Generally, for the government energy efficiency is crucial as it implies that the highest demand ( which is usually the time of the day when gas or electricity use is at its peak ) reduces, since each building requires slightly less energy. Overall, that ultimately implies that new power plants don’t have to be built which is some nice cost savings for the government.

In the 1980’s, any thickness of loft insulation from 25 mm to 50 mm was considered the standard. But then, building regulations stated that homes should have as much as 100 mm of loft insulation. Over time, this gradually increased to 270mm for new builds and also recommended for other properties, although not essential. As a result of this, there’s always a need to check how much insulation you currently have in your loft before you decide to purchase more. You may discover that you already have something within the range of 20 mm to 200 mm up there and knowing this and the insulation values will assist in determining how much more you’ll need to purchase, if any at all. You should also note that some modern materials can offer the same thermal insulation whilst not being as thick.