Find a Builder you can trust in Lyme Regis.

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.

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.

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.

Finding a builder nearby can have enormous assistance when it comes to your build. Period on site, their familiarity of local planning permission, constructors’ dealers and other local trades are all vital bits of knowledge that you’ll welcome on site.

It is always wise to walk around in your local area or drive to a site where any construction work is going on. It’ll give you a proper impression of the constructors who are active nearby. You don’t have to like their style of work or the project they are currently carrying out – after all, a builder can only produce what’s on the plans in front of them.

Find a Builder Other Tradesmen Recommend

If you’ve had to call an electrician before or a local plumber and liked their work, you can always ask them if they have any builders whom they would recommend. Maximum tradesmen get used to seeing the similar acquainted names from one place to another in the sites they are working on and every so often has favourites for who they like to work with — and who they see as a good source of work.

Always Talk to Previous Customers

Once you’ve found a builder you would like to work with, ask them for a list of previous customers they have worked with; they ought to be glad to offer particulars if they’re self-assured they’ve done an effective job.

Look for a builder online

A decent place to start looking for builders online is on sites like the Federation of Master Builders. They have a search tool where you can find precise crafts in your area and look at their situations. All FMB members are assessed and individualistically examined and are checked to ensure that they have the correct insurances in place.

Some individuals who have been in the construction department for many years may not be qualified, that is, they may not have undergone an apprenticeship and/or trade certificate courses, but they might still be very skilled at their work. However, anybody can pick up a sledgehammer and demand themselves a builder lacking any skills or training. The wise thing would be to ask the builder coming to your house about what qualifications they have and what training they have undergone.

Licensing of building practitioners

You can now check if your builder or tradesperson is a licensed building practitioner by using an electronic public register which has a record of every registered builder. Being licensed provides you with an assurance that the builder who is about to do your work has proven his shill to the government and earned his right to be a practitioner. If you wish for certain important building and design work on your home it is imperative that you hire a licensed practitioner, the act is very common when you compare the scenario with when you have to call a plumber or an electrician regarding any work.

In order to become a builder in the UK, you must complete an apprenticeship or an NVQ. NVQ is another popular route to becoming a builder. You can also get your NVQ even when you are working as an apprentice. You can also make it based on any recognised overseas qualification.

All associates maintain a Code of Practice and Conduct which sets the standards for all stages of the building procedure. The Code requires builders to:

• Submit quotes on projects for which they have time.

• Securing the contract with a sufficient insurance cover.

• Maintain honesty and integrity at all times.

• Obey the law and industry standards of conduct.

All members of the construction association must also follow a code of conduct. As a consumer, if you think your builder has breached the Code of Conduct or the Code of Ethics, you can file a written against him or her.

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.

There is a variety of methods available to ensure that your paving drains properly, for example draining into a lawn or soakaway. Correct drainage of paving is a requirement for planning permission. See our guide on planning permission for paving for more information.

Is your driveway damaged or starting to show some signs of cracks and gaps? If yes, then you’d probably be thinking of repairing it before it gets even worse. Repairing a driveway is largely an unknown process but also a very tedious task as well. So if you’re looking to hire a professional for help, just how much is the repair going to cost? In this article, we’re going to look at the various factors that can determine the cost of a driveway repair.

In the UK, the average price of repairing a driveway is usually within the range of £1,400 to £1,800, where as the normal price of a driveway repair will range between £700 to £2,400. although some small repairs tasks can be as low as £250, while huge driveway repairs can skyrocket to about £4,200.

However, in general, the overall cost of repair a driveway can not be determined as each driveway is unique with their special repair needs. The factors that can influence the price of a driveway repair includes the material used, the perimeter of the driveway as well as the condition of the foundation. The only factor that’s not unique to any one driveway is the materials used, so let’s take a look at the differences in price using the based on the various types of materials available.

✓ Concrete. The average cost of repairing a concrete driveway is usually between £250 to £3,200. Have it in mind at most times the price of fixing an overly damaged driveway can be more than the cost of buying a new one.

✓ Asphalt. The average cost of repairing an asphalt driveway is usually between £750 to £2,800.

✓ Brick. The average cost of repairing a brick driveway is usually between £700 to £1,700.

✓ Cobblestone. The average cost of repairing a cobblestone driveway is usually between £500 to £1,600.