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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.

When thinking about the right insulation material for your loft, some of the first few things that comes to mind is the various properties of that material as well as how good they fit with your home’s needs.naturally, you’d like to ensure that the insulation will be efficient enough to add to the overall energy efficiency of your home, however there are also other features that may not get as much attention but also happens to be equally important. As the primary function of an insulation is to blanket your house to offer a barrier against heat loss, going for an insulation material that’s also fireproof is crucial as loft insulation can burn. Although most insulation materials are fireproof, a myriad of problems can actually make your insulation burn.

For instance, fibreglass insulation is produced using glass combined with plastic polymers and is naturally resistant to fire. However, even at that you’d have to be careful with batts that are supported with foil or paper due to the fact that these materials can burn pretty quickly. Cellulose, on the other hand, is not fireproof and is required to be treated by other flame retardants in order to help reduce combustion. Some of the best insulation materials that are resistant to fire includes the following:

• Fibre glass. This is made of glass that’s spun into fibres, then combined using plastic polymers. As a result, fiberglass insulation is naturally resistant to fire.
• Mineral wool. Having a high melting temperature, this insulation material happens to be a great fit for thermal applications due to its superior fire resistant properties. In fact, mineral wool is still naturally non-combustible even if composed of recycled iron and steel by-products, or from actual mineral rock itself.

With the title of this blog, do not be deceived into thinking the purpose is to encourage you to install an external insulation by yourself. Even as a competent DIYer, it’s not advisable to buy a couple of materials and start slapping it into the wall hoping for the best outcome. External insulation is by no means a DIY job and without the proper training and experience, it can easily turn out disastrous resulting in loss of time, effort and money in such a valuable project. This blog, however, will give you a great insight on how the installation process works and help maximize knowledge ensuring you do not spend more than necessary.

External Insulation Installation

lRender Test

• This is done to ensure the existing render is good enough for insulation support.

• If positive, the insulation can be applied directly onto it.

• If negative, ensure removal of the old render before fitting the insulation.

lPipework Adjustment & Removal

• Remove all pipework prior to insulation fitting

• Install temporary downpipes to ensure water is not wasted and everything continue to function normally during the insulation fitting process.

lWindow Protection

• Protect the window with a protective layer or film.

lStarter Track Fitting

• Determine level you want the insulation to start (height).

• Fit the aluminium start track or carrier tray at the identified level.

lInsulation Boards Fitting

• Apply a layer of adhesive to the board and glue them to the wall in a staggered pattern.

• Cut to fit round all obstructions and windows.

• File off the edge of the board where necessary using a rasp upon successful fitting of the boards

lMechanical Fixing Inclusion

• Hammer around 10 fixings per square metre into the board.

• This is to secure the insulation boards.

lBeading Fitting

• Add corner beads and stop beads to ensure the insulation is secure and to prevent it from making contact with other materials.

lReinforcing Mesh & Render Addition

• Apply two layers of strengthening properties and between the two layers of render, include a fibre glass mesh.

lPrimer Application

• Paint on the primer

lFinal Render Application

• Choose your most preferred texture and colour as this will be the last coating of the installation process.

lPipework Re-installation

• Re-install all detached pipework at the start of the installation process.

Damp issues on a property are usually generated by a lot of factors such as a poor or broken guttering, condensation and lots more. The question arising here is what is the possibility of External Wall Insulation (EWI) preventing condensation? Not only is EWI a reliable way to reduce condensation-caused damp, but it’s also one of the major reasons property owners in solid wall homes consider thermally rendering or cladding their external walls.

Condensation arises as a result of warm moist internal air hitting a cold surface such as the steaming up of both windows and mirror when having a shower. What happens here is the condensation of the water vapour in the air from a gas to liquid in the process of touching the cold surface - one whose temperature is significantly reduced to reach the dew point. At the dew point, condensation is very rampant, and to tackle this issue you’ll have to heighten the wall temperature in order to convert the moisture to vapour and permit it to pass through the wall. And that’s exactly the job of an external wall insulation!

To get started you must ensure that the walls are clean and dry prior to fitting the external wall insulation. The month of May through to September when the weather tends to be dry and more stable are usually the best period to carry out the project. The external wall insulation will function just like a cosy blanket around the building. Ultimately, changing the feel and temperature of the inside of your home. As a result, the previously cold walls will no longer be cold which goes a long way to mitigate the effects of condensation. Furthermore, when an EWI is installed, the rooms of your home will automatically trap more thermal mass as the heat is saved in the walls’ fabric and released back when the temperature drops.

How To Repair Sunken Concrete Driveway

If you have concrete driveway that’s cracked, uneven and mostly especially sunken, you’d know how distasteful it can be just viewing it on your property. A sunken concrete driveway is most likely caused by rainwater erosion removing the soil under it or a big root under it which as rotted over time. Another possible cause of the sunken concrete is an improperly prepared base which implies that the soil beneath wasn’t fully compact when the concrete was poured on it. Later on the soil beneath will eventually settle and shift below the concrete driveway which weakens the integrity of the entire driveway, making it more vulnerable to cracks, unevenness and sunken.

Two ways in which you can fix this problem includes either demolishing the whole driveway, re-compact the soil underneath and fill with new concrete or repair the entire driveway using an easy process called slabjacking. In this article, we’re going to look at the slabjacking repair process as it’s significantly less expensive than the demolishing approach and will also cause minimal disruption to your lifestyle.

Also referred to as mudjacking or concrete lifting, slabjacking is simply a process used to float your existing concrete back to its original position. If you are not a competent DIYer or lack confidence to pull this off, we’d recommend reach out to a professional for help. If otherwise, then you can practice the slabjacking process given below.

✓ Drill holes through the slab.

✓ Pump grout mixture through the holes. This mixture will spread out beneath he driveway and raise it up.

✓ Lastly, fill the holes and level the concrete driveway surface.in such a way to hide the signs of the repair made.

This is a process that works to efficiently get your driveway back in a top condition relatively quickly.

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.

More often than not, several homeowners fail to realize there’s so much value sitting right under their roof - the loft. When a loft is insulated, there are so many juicy benefits that can be derived. It can go a long way to save increase you energy savings and several more functions. Therefore, if you really wish to maximize the space under your home’s roof, you’d have to considering insulating it. So how much would it cost to have your loft insulated? Here, you’ll discover the cost of insulating your lofts so you that you can set a budget and start to plan.

The cost of insulating a loft is actually affordable for several individuals, however, this depends on a wide range of factors such as the size of the house as well as the type of insulation being installed. One significant factor is the insulating material that you choose to install. If done properly, you’d be able to prevent heat from escaping through the roof of the house which helps improve energy efficiency and ultimately, save you some money on heating bills.

If you’d prefer to make it a DIY project and you go for a blanket insulation it costs about £5 per m2. therefore, this will cost within the range of £100 to about £150 for a small home.

For a professional service, you’ll be provided with a quote for both the materials and labour. The amount will be based on the number of insulation required, the company hired, your location as well as the method selected. The price to purchase and install blanket insulation  would be between the range of £300 to £400 depending on the size of your home.

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.