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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.

Most companies will make the building control application on your behalf and ensure that all the work is completed to the right standards. When a building inspector has inspected it, you’ll get a certificate. It usually takes around 6-8 weeks after completion to come.

Presenting with its unique sets of components, the price for every house renovation project varies considerably. Though giving a proper price for the house renovation is not possible, you can generally expect to pay anything between £40,000 and £75,000 for renovating a three-bedroom house.

You must list out all the changes needed since renovation comes with several potential costs. This makes it easier for you to calculate the renovation costs and start planning your budget accordingly.

Let us take a look at some of the crucial factors that affect the cost of renovating a house

• Property size

• Property’s condition and age

• Complexity oof the job

• Structural work

• Building extension work

• The quality of materials, fixtures and finishing

• Decoration

• Location

When it comes to renovating a three-bedroom house, the average cost is around £ 57,000. A new gas supply will cost you around £1,500, depending on the route of the supply. There may other additional costs involved if you are looking to do any work to extend the gas supply line.

The cost of rewiring a house is in the region of £5,750. That price will also be dependent on the complexity of the electrical systems in your house and the size. If you are looking at installing a new set of windows, it can cost you up to £6,000, with the average cost being about £4,250. Replastering walls will add another £2500 to the total budget. A new kitchen will set you back around £7,000, on average including the cost of design, materials and installation. Most renovations will need a new bathroom. Installing a new bathroom will cost you around £4,250.

With cavity walls being very similar to other type of brick works, it can be quite confusing to figure out the type of wall your property possesses. If your house was constructed after the 1920s, then its highly likely the you have cavity walls, while older houses (houses before the 1920s) are likely to have solid walls. What’s more? If you happen to own a home that was built in the last decade, then it’s very possible that it was built with insulation installed during construction.

An effective way to determine whether or not your property is built with cavity wall is to examine the brickwork on your home’s exterior. The bricks will typically possess a regular pattern if it features cavity walls. In the event whereby the brick work is covered by render, you can also figure it out by taking a measurement of the wall’s width. If the brick wall is beyond 3000mm in thickness ( from the exterior wall to the interior wall), then it probably features a cavity. Meanwhile, a wall that’s narrower is very likely to be solid. Stone walls, on the other hand, may actually be thicker but are most times solid.

In a situation whereby your house is built using steel frame or timber frame, or made using pre-fabricated concrete, there are varying rules that applies when it comes to insulation and should be examined by an expert before any insulation is installed. More often than not, most contractors will have installed special air vents, which can also be a good indicator that a cavity wall insulation has been done.

The short and simple answer to this question is yes, loft insulation does cause condensation. Over the years, problems with condensation in loft spaces have become increasingly common. While this may not be harmful in anyway, when the condensation becomes excessive it can lead to more serious issues taking root in your loft like wet rot, dry rot as well as black spot mould. Generally, the best thing to do if you’re concerned about the condensation in your loft space and that it may rapidly become a bigger problem is to get in touch with a damp specialist as soon as possible.

Even though insulating your loft space comes with a wide array of benefits like making the top floor rooms warmer, it’s however comes at the cost of making your loft or room space cooler. Condensation in lofts take place primarily due to the humid air making its way through insulation or other gaps into the loft space and touching a cooler surface which in turn results in beads of moisture on the timbers, lintels as well as the underside of the roof. This is why its always a great idea make use of thermal insulation with a vapour barrier that’s installed on the warmer side of the insulating material.

Condensation in loft is caused by excess moisture in the air and lack of adequate air ventilation. Here are some top reasons that gives rise to this in the loft:

• Extra insulation has been installed in the loft leading to a restriction on the natural air circulation in the property.
• When the storage boxes or other items that has been stockpiled in the loft blocks the roof vents.
• The release of steam and moist air into the loft space by hot water tanks.

Asides the questions relating to planning permission of a loft conversion as well as the total cost of completing a loft conversion project, this is perhaps the most common question on the loft conversion subject matter. Before making an investment decision, many homeowners will want to know just how disruptive a loft conversion is. Well, we’ve all heard the several horror stories when loft conversion builder with dirty boots tramples all over the fresh and just-acquired shag pile or the noise of the construction loud enough to annoy neighbours from four blocks away or an obvious shortage of teabags, sugar and lots more. Good news is, the disruption of loft conversion is not as bad as people make out. Let’s have a look at how it works!

Just like all other major building projects, a loft conversion is disruptive to your property. However, no two loft conversions are the same, therefore some are certain to be more drastic and invasive than others. In the long run, the project is worth the stress and inconveniences caused and in most cases, it’s usually a very good investment.

Normally, an average loft conversion is expected to last for about 9 to 12 weeks (depending on the complexity of the loft conversion project some might take longer). Some of the factors that affects the duration of a project includes the type of the loft, the design of the loft as well as the style of the property.

Generally, a loft conversion is a lot less disruptive than say completely moving a home. It all has to do with how you’re able to deal with it as a person. And besides, the effect it’s going to have to a large extent depends on the company you hire. A good company will always look to ensure to keep disruptions to a minimal when carrying out the loft conversion project.

Are you thinking about converting your garage into a new space? Be it a new bedroom, gym, library or playroom, one thing you’ll have to consider before getting started is whether or not you’re going to require a planning permission. Unlike extensions that needs additional space, garage conversion is all about changing the existing structure of a space that’s already available to you - your garage. As a result, these projects are mostly covered by a planning policy that’s a bit different.

For a garage conversion, it’s very unlikely that you’ll need a planning permission. As a matter of fact, only 10 percent of garage conversions has been estimated to need a full planning permission, with the others coming under the permitted development rights. The permitted development rights, however, only provides coverage for home improvements that’s internal which implies that so far you’re not trying to enlarge your garage, you’ll not require a planning permission. But if otherwise, you’ll have to submit an application before commencing your project.

If you’re looking to comply with the permitted development rights, then your project must comply with some specific guidelines. These rules include the following:

• The work should be internal. No plans to enlarge or extend the existing garage.

• You should make sure that the materials used in carrying out the garage conversion is the same with the materials used in building the existing house.

• The building should not be extended.

You may, however, require a planning permission if you’re going to change a detached garage into a living space which could be a bedroom, small annexe or a living room.

Some houses excluded from the permitted development rights include flats, listed buildings, some new developments and most homes in a conservation area.

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.