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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.

The answer is yes! Houses whose external walls have been insulated are more valuable than their uninsulated counterparts. And not only does it add to the value of a home, but also significantly reduces the amount of electricity consumption. This is a major turn on for potential investors which implies a greater demand and ultimately, a higher price. The real estate market is a very dynamic one which can be hard to predict at any particular time. The frequent changes in price are usually down to factors beyond the owners’ control, but if you’re looking to put up your house for sale in the near future, it would be a wise decision to consider ways in which you can increase its value. While renovating each room can be on the expensive side, a great solution would be insulate the external walls.

An insulated house is one that is well secured against the harmful impact of extremely high or low temperature, humidity and other atmospheric factors. Hence, the reason why a house with external wall insulation has a greater value which you would not want to miss out on. What’s more? You’ll get a great thermal insulation with the top notch materials like foamed polystyrene, high quality renders, mineral wool or polyurethane.

With an external wall insulation, you know the transaction will always be favourable on both ends. You get to smile to the bank, while the buyer also gets to enjoy great value for every penny spent. To employ the services of a reliable external wall insulation expert, simply conduct an in depth research from family and friends, online and other sources. Go through their online reviews and ask questions to become more familiar with the process and its value-adding potentials.

Many types of loft are suitable for a loft conversion. In general, you will need at least 2.3 metres of headroom in your existing loft. This is to make sure there is enough headroom after the conversion. Speak to a conversion specialist about the probability and possibility of doing this in your house.

When it comes to house renovation costs, nothing is certain. As a rule of thumb, you should always expect the unexpected. Unforeseen circumstances (mostly unfavourable) can crop up from anywhere, at any time, greatly affecting the cost of the project. However, if you’ve completed proper planning and done your due diligence on your property before commencement, there’s absolutely no reason why you can’t put the works on budget.

The cost of a house renovation project depends on a lot of variables. These variables include the type of property you’re undertaking as well as the amount and complexity of the entire project. What’s more? Whether you decide to do some of the work yourself or wish to hire quality tradespeople to cover the entire project will also tell on the cost of the home renovation.

In the event whereby you wish to completely gut your property and begin from square one, here are some of the cost you’re most likely going to incur:

✓ Planning applications and building controls

✓ Architect’s design and specifications

✓ Contractors and build costs

✓ Snags as well as unforeseen problems

What will be the biggest cost, which will be determined by the amount of work you need done, is most likely going to be the structural and building work, which can reach up to tens of thousands of pounds.

Asides from material and labour, the administrative costs is another important cost you’ll need to factor in. The first thing here is usually insurance, this is because all regular building insurance policies does not cover large scale renovation projects. So if what you’re planning is a huge structural change to your property, then it’s more likely that it won’t be covered by your buildings insurance policy. In this event, you’ll have to take out a specialist renovation insurance.

Have you decided to improve your property instead of moving? The common problem most homeowners face after deciding to embark on a home extension project is not knowing where to start. In this article we’ll walk you through everything you need to consider and put in place before commencement of your home extension project.

• Is the extension worth it?

Before breaking the bank, you must be sure that the project will add good value to your home. In terms of “value, this is not only limited to the financial gain after disposal of the property, but also several other juicy benefits to be derived from extending your home like an extra living space for the household to spread out and more.

• Do you need a planning permission?

Check with your local authority to determine whether or not you’ll require to submit an application. You can also consult a building expert like an architect for advice.

• What are the building regulation?

Even though planning permission can be dodged, you can not avoid building regulations. These regulations are the set national minimum standards for construction and design which you must comply with to ensure the safety of the individuals in and around it.

• Who will design the extension?

You have to decided whether you’ll hire a professional architect to design the extension or not.

• Who will manage the building work?

If your home extension project is designed and built by a professional company, they’ll be responsible for the management. However, if you decide to use an architect or designed it yourself, you’ll have to hire a main contractor to manage the build.

• How to set the budget?

There are so many factors that can affect the cost of an extension, so it’s better to get the costs from your builder before proceeding.

• Do I need yo inform my home insurance firm?

Absolutely! This is very important as the new extension may affect the rebuilding cost of your property which could have an impact on the policy premium.

• Do I need to inform my neighbours?

It’s very important to discuss your plan with your neighbours before applying for a planning permission and communicate about the concerns they might have.

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.

There are so many benefits that comes with building a porch in your home premises. It’s an extra space where a lot can be achieved such as drying a dripping wet dog, taking off your dirty shoes or boot and lots more. So if you’re considering to construct a porch, it’s definitely going to be a wise decision. However, before you get started, there’s a need to determine if you’ll need planning permission for a porch. It’s important to take note that planning laws are dynamic and can be updated at any point, so be sure only to use trusted sources only as your guide. If you’re the homeowner or landlord, it’s entirely your responsibility to obtain the right approval for any development project you wish to carry out within your premises.

A Porch can not be termed as an extension and neither is it a conservatory, they’re basically built to the home’s front covering the main entrance using a stone base or a brick. As a result, a porch does not need planning permission due to the fact that it’s covered by the permitted development rights if the specific guidelines for porches are complied with. Below are the instances where you WILL need planning permission for a porch.

✓ If the floor space is more than 3sqm (the wall inclusive).

✓ The highest point has a height of more than 3 metres.

✓ If the porch is situated within 2 metres of a boundary directly facing on to the road.

You may need planning permission if the house is a listed building, designated area or falls under an Article 4 Direction.

In order to build a porch without planning permission, you need to consider all the criteria stated above. You can also visit the Planning Portal website to get more detailed information before getting started.

Does A Single Storey Extension Add Value To Your House?

When you’re looking to construct a single storey extension or perhaps you’re just searching for means to increase the value of your property, this question always pops up. The short and simple answer to this question is a resounding yes, a single storey extension can go a long way to increase the value of your property. Just like any other home improvement, when done right, adding a little extra living space is one of the top things you can probably think of that’ll provide a cool increase in your property’s value. However, before you rush in you must also take note of some factors so you can be certain a single storey extension is the right option for you. These factors include the quality of the build, complexity of the build, cost of the build versus the value gain, ceiling price in the area, finance costs as well as the inconveniences and stress.

Generally, the average cost of a single storey extension can range from £34,000 to £37,000. For this price, you should get a standard sized rear or side extension which also includes the cost of a kitchen - it’s the most commonly use for a single story extension especially in the UK. So it’s important to know the value they’ll add to your house before deciding to make such an investment.

The value added to your property will depend largely on the quality and size of your single storey extension. The value is usually calculated by estate agents using the number of bedrooms, bathrooms as well as the floor area. Inside London, it’ll typically be priced at £5,000 to £10,000 per square metre, while outside London should be within the range of £900 to £2,000 per square metre.