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It can be very hurtful when you’re looking to get a house and then identifies one that’s almost perfect, but that one thing that’s lacking is significant enough to prevent you from making an offer. For instance, you may like neighbourhood, the lot’s size, the number of bedroom and lots more. However, the only thing that’s holding you from making an offer is the outdated kitchen. This is the point where you wonder whether a mortgage can include the cost of renovation. In this article, we’re going to give you a good insight into this and more. Let’s have a look!

One of the major things your lender will put into consideration when you apply for a mortgage is the price of the property in question. For instance, so you’ve found your “almost perfect home for let’s say £400,000 and the cost of your intended renovation work runs up to about £150,000. In this event, you’re definitely going to find lenders who wouldn’t be too keen to let go of their cash. And that’s mainly due to the fact that lenders are only able to afford you, at best, 95 percent of the purchasing price. In other words, if you really want the house, you’ll have to finance it yourself no matter how much potential you think the house possesses.

This, however, does not mean that you can’t find some mortgage lenders who’ll allow for building costs. They exist, but this will mostly take place when the work is complete and the property is revalued. You may also be lucky enough to get a purchase plus improvements mortgage which allows you to renovate now and pay off the renovations over time at a better interest rate than other loan types.

External wall insulation works to keep your home cosy and comfy while also helping to cut the energy bills. However with the great benefits also comes great costs, so it’s actually a logical decision to know whether there are grants out there which you’re eligible for to help you handle the cost of the external wall insulation.

There are grants available for external wall insulation, but rarely will you find one that covers the full installation cost. With the help of the government’s Energy Company Obligation (ECO) scheme, a couple of energy companies assist in making your home more energy efficient by offering grants or free insulation. In certain cases whereby you receive particular state benefits, you may as well qualify for a higher grant that’ll cover more of the insulation cost.

However, if your energy supplier doesn’t offer any grant, you need not worry as you can save as much on energy bill after installation. Here’s what insulation can help you save per year on energy bills:

• Floor insulation can help you save within a range of £30 to £75 each year.

• Cavity wall insulation can help you save about £85 to £280 a year.

• Loft Insulation (270mm) can help you save about £135 to £250 a year.

Generally, the amount you’ll be able to save on your energy bills depends mainly on the type and size of your property, as well as how energy efficient it already is without the insulation. In the long run, your external wall insulation will more than give you back your investment on the valuable project through your savings on energy bills. In other words, whether or not you’re eligible for a grant should never stop you from installing an external wall insulation.

Did you try rendering a wall but it doesn’t turn out the way you would have hoped for? Or perhaps you’ve been watching your wall render gradually deteriorate over time. Regard of your purpose, learning how to repair render cracks on wall is usually a great skill to have with your home maintenance in mind. However, whenever these crack are too large or difficult, we’d recommend you call in a reliable professional who can guarantee the best results for help. In this guide, we’re going to take you through the wall render repairing process. Let’s have a look!

No matter how solid a building material is, over time it’ll yield to the elements. When it comes to wall rendering it may be a case of too much sunshine or a costly mistake in the application process, but in truth, it cracks just because it cracks.

In order to repair render cracks, you’d have to start with a removal of damaged or cracked render. You’ll have to remove all the render or just a small section depending on the area you’re working on. If you’re able to clean all of the existing render as well as the paint over it all (both old and new), then removing a small section would work better as it makes it look neat and redone. Upon the removal of the existing render, the next important step would be to remove all loose material as well. Once done, you can then leave for up to 2 days to allow any trapped moisture to come out. Unfortunately, if the rains you’d have to wait till that dries too before you proceed.

Once dried, you can buy a pre-prepared render mix which already contains cement, lime and sand. Mix a 20kg bag with 4 litres of water (or check the product instructions and follow strictly), the mix to a fine consistency. Render is quick to dry, so you’d want to apply within 30 minutes of mixing. Make use of a trowel to apply the render on the affected spots and blend with the surrounding area.

If you’re considering adding a two storey house extension, then setting a budget for this project would be a great way to get started. Similar to a rear extension, a two storey extension usually leaves the rest of the building needing some work and, due to its size, this may imply the re-development of the entire house - which is why they can be very costly. Some of the other influencing factors that can have big impact on a two storey house extension cost includes: your location, the size of the build, complexity of the design ( anything beyond the standard build will normally require more expertise and time), the glazing to be incorporated ( the more the glass used in the project, the more the material cost), as well as the team used.

Generally, when it comes to extensions, the major part of the expenses will be made on the build of the project. This is because it doesn’t only cover the material cost but also the contractor’s overhead as well as the daily rates. At this stage, the extension prices can be determined by the standard of the work that’s being done.

For a fairly average room size of about 18 square metre, the two storey extension should cost within the range of £2,500 to £3,000 per square metre - with the range being determined by the finishes incorporated. Therefore, a two storey extension of about 18 square metre should cost within the range of £45,000 to £55,000. However, this is with the assumption that there are standard window sizes, bathroom suits are modest, and without any need for any purpose joinery or glazing. If you wish to include all these extra features you’ll also have to pay more to make the total cost between £70,000 to £80,000.

If you’re about to carry out a loft conversion project, you’d probably be wondering how long it’ll take to complete the task. Well, you’re not alone! This is one of the most common questions when it comes to loft conversion projects, however, providing a set timeframe for completion of such projects is impossible as all loft conversions vary. There are different factors that can determine the duration of your project. These factors include, the materials to be used, the type of the proposed loft conversion, the kind of staircase you’ll like to have installed, the number of windows included, the number of rooms to be added as well as a number of other influencing factors. As a result of these variables, the milestones and timings provided are only to be taken as guidelines. If you’d really like to have a set date, you can get in touch with a professional for help.

Generally, it’ll take up to 8 weeks to complete a loft conversion project.

✓ The first week activities will include putting up scaffolding, receiving the first materials for the build and creating an opening in the roof to gain access to the loft space.

✓ In the second week, the structure of the roof will be ammended and more support added.

✓ Third week, the floor joists will be fitted, building of the loft conversion will start, completion of the external roof works and commencement of plumbing and electric works.

✓ Fourth week, complete the building, construct the loft floor, fit the roof windows, insulation, ventilation and internal stud walls.

✓ Fifth week, apply plaster and plasterboard to the room walls, create a staircase opening and fit the new staircase.

✓ Sixth week, plaster the staircase area, complete plumbing and electrical works, hang the doors, fit skirting, handrails and bannisters and start decoration.

✓ Seventh week, complete the decoration and clean and wipe out all wastes.

✓ Eight week, complete all the remaining tasks.

If you’re planning to construct a kitchen extension on your property, one of the first things that comes to mind is whether or not you’ll require a planning permission before you proceed. Generally, kitchen extensions are normally classified as permitted development which allows you to carry out your project without any interruptions from the law or your local authority. In other words, if your extension is meets up with the guidelines of the permitted development rights, you won’t have to apply for a planning permission. However if otherwise, you’ll have to apply for a planning permission to your local council and may require additional reports. And regardless of your position, you’ll always need building regulations approval before you can carry out any kitchen extension project. It may also be required that you’ll have to issue a part wall notice if you’re to build on or close to the boundary with a neighbour.

If you don’t want to go through the hassle and stress involved in applying for a planning permission with your local council, then you must ensure the following:

✓ Your kitchen extension must not be over half of the area of land around your main house.

✓ The kitchen extension must not be side elevation onto a highway or forward of the principal elevation.

✓ The extension must not be taller than the highest part of the roof.

✓ The height of your kitchen extension must not go beyond four metres.

✓ Kitchen extension that’s more than one storey must not go exceed the rear wall of the main house by more than three metres.

✓ Two storey kitchen extensions must not be closer to rear boundary by anything less than seven metres.

✓ The kitchen extension must not include balconies, verandas or any raised platforms.

Any residential building work requires a general builder. The term Residential building work means any work which is involved in building a house or changing or adding to a home. It also comprises of mending, refurbishing, ornamenting or applying shielding treatment to home. A dwelling is defined as a building or a part where people live. This might include an apartment, house or a townhouse.

Here is a list of some of the works that require a building licence:

• construction of a garage, carport or a shed

• renovation for bathroom, kitchen or laundry

• structural landscaping and building swimming pools

• construction of conservatories and atriums

• house lifting for example, raising the height of an existing structure permanently

• removing and resitting dwellings

• steam rooms and saunas.

General building contracts might also involve work that needs a specialist. These works can be appropriately subcontracted. However, this work must be carried out by the container of a permitted contractor licence or competent administrator certificate in that specialist category.

There are a number of different categories of licences that are available depending on whether you want to oversee the work or have an agreement with another party. When you have a contractor licence, you will have the option of submitting a contact to bid on the work. You can only do the categories of work designated on your licence card. Contractor licences can be allotted to people and businesses and partnerships.

With a certificate of a qualified supervisor, you will be able to supervise the type of work specified in the certificate. Such certificates are only issued to individuals and do not allow you to contract for work.

The licence of an endorsed contractor is issued to those individuals who have applied for a contractor licence but also possess the necessary qualifications and experience to become a qualified supervisor.

With the numerous benefits that comes with the installation of an external wall insulation in a building, it’s also important to find out whether it’s also safe before proceeding to fit one in your home. Firstly, to ensure that external wall insulation systems are safe, they must be BBA approved, which means they’ve been subjected to a thorough testing by the British Board of Agrement and therefore, suitable for use in UK homes.

Given the fact that cladding materials have recently generated a lot of debate and negative press about how reliable some particular materials are, questions are being asked of the safety and reliability of external wall insulation. However we must clarify that, although external wall insulation can be classified under cladding, it is very different to rainscreen cladding - which caused the Grenfell fire tragedy.

External wall insulation is completely safe. However, when it comes to fire, the safety of your system depends largely on the insulation type in question. The safest type of insulation you can have installed is the Rockwool insulation boards which are rated as Euroclass A1 non-combustible. The board is specially designed in such a way that it contains fire - preventing it from reaching the other areas of the building. They also do not produce harmful emission or smoke when impacted by fire.

Meanwhile, the Wood Fibre, is also a great insulation which is known to char and not burn. Contrary to many beliefs, it actually burns slowly creating this charring effect which produces an oxygen barrier that helps reduce the spread of fire.

To make your system safer, you can also make use of Fibreglass Mesh for reinforcement. It helps to improve the strength of the tensile which promotes the security of the boards attached to the wall.