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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.

Are you considering a dormer loft conversion for your home? If yes, then you’d probably want to know how much it costs. Unfortunately, due to the several variables and influencing factors, a precise answer can not be provided for all dormer loft conversions. In this article we’ll give you a vague idea of the general cost so you can set a more realistic budget and start planning.

There are three main types of loft conversion which includes the Velux, Dormer, and Mansard. Out of the three types, the dormer happens to be the most common type and possesses a small flat roofed extension with a window. The dormer loft conversion will usually cost within the range of £25,000 to £30,000.

The price for a smaller dormer loft conversion, mid range dormer loft conversion and large scale dormer loft conversion will be at £2,000 to £7,000, £10,000 to £30,000 and £40,000 to £60,000 respectively. However, you should take note that the prices given are all based on varying influencing factors such as the type of installation that is selected, the type of the rood, en suite conversion as well as other customization. Changes in price can be as a result of the materials required and the extra time per labour that’s needed to complete this home improvement project by the tradesmen employed.

Furthermore, a dormer loft conversion average cost will also depend on the type of dormer you opt for. Here is a list of the most common applications:

✓ Blind dormer loft conversion - £3,200 to £4,400

✓ Recessed dormer - £1,300 to £1,850

✓ Barrel roof dormer - £3,000 to £4,600

✓ Gable dormer - £5,500 to £7,500

✓ Hipped roof dormer - £5,600 to £6,660

✓ Pedimented dormer - £12,700 to £23,100

✓ Flat roof dormer loft conversion - £13,800 to £21,600

Getting the opportunity to fit your very own bespoke wardrobe in your home is a really exciting prospect. However, when planning to install customizable fitted wardrobe, one factor that turns off most home and property owners is the belief that the bespoke solution is actually a very expensive one. But the fact, in reality, is that so far you’re prepared for any associated costs bespoke fitted wardrobes should not make you break the bank to get one done in your home. So if you’re planning to install this type of fitted wardrobe and wondering about the cost, you’ve come to the right place! In this article, we’ve put together the price range estimate as well as the potential extra costs to help you plan ahead and get your dream wardrobe without having to worry too much about unpleasant surprises along the way. Let’s take a look!

With some companies you’ll be provided with a fixed price which can’t be negotiated. While prices from other suppliers will usually start within the range of £1400 to about £1700 for the standard wood finish wardrobe, but this can also reach about £5000 or more for high end or premium finishes, without taking the cost of the added extras into consideration. Ultimately, this often implies having to pay out more money for interiors and additional features than you’re likely going to need. Below is a rough guide to the cost of fitted wardrobes from Spaceslide:

✓ The price for a 2, 3 or 4 door sliding wardrobe starts at £452.37.

✓ The price for a 3 door fitted wardrobe starts at £659.07

✓ The price for a 4 door fitted fitted wardrobe starts at £865.77.

Additional costs you’ll have to consider before getting started includes the cost of hiring installers as well as delivery and removal cost.

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.

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.

Do I Need Planning Permission For A Loft Room?

The answer to this question is maybe. Generally, loft rooms are covered under “Permitted Development which means you won’t need to apply for a planning permission to build a loft room. This is like an advance planning permission provided by local authorities to allow some particular building works to be done such as loft conversions, rear extensions and more. When you’re covered by a “Permitted Development, you’re given the free range to oversee your home’s development without much interference from the regulations or the council. However, for permitted development to apply, there are some specific criteria that must be met. Therefore, if your loft room does not meet the following requirements given below, then you must complete a planning application before proceeding.

• In a terraced house, the converted loft space must not be more than 40 cubic metres.

• In a detached building or semi detached house, the converted loft space must not be more than 50 cubic metres.

• The existing roof slope at the front of the house must cover the extension made.

• The extension should not increase the height of the roof in any way.

• Verandas, balconies and any other structures of this nature must not be included in the extension’s plan.

• The side facing window openings should be at a minimum of 1.7 metres above the ground. The windows must be obscured as well.

• The roof extension should be set back as far as practically possible. It should be at a minimum of 20cm from the current eaves.

• The roof extension should not overhang the house’s roof or it’s wall.

• The materials to be incorporated must be the same or at least similar to what you already have on the house’s exterior.

Tiling a porch roof is a very important but laborious and difficult task. A project of this magnitude will require a large investment in planning and preparation way before the actual installation process takes place. It can be a brand new porch roofing tile or a replacement of the existing one, either way it’s crucial to get the right technique. If you lack proper training or experience in this field, we’d recommend you hire the services of a reliable professional probably within your local area to guarantee the best results and to save yourself some time and money. This guide will give you a good insight into the porch roof tiling process. Let’s have a look!

• With the crown looking upwards, put the first tile on the batten and centre the tile from side to side.

• Hammer a 10d nail at the base of the tile and into the batten (make sure not to overdrive the nail).

• To provide a much needed support, apply a little mortar under the first tile.

• Identify the inner end of the first tile and place another tile on top. Take a measurement from the outer end and adjust the end of the second tile to fit.

• Just like you’ve done with the first tile, nail the second tile into the batten.

• Position two tiles at the both ends of the ridge and proceed with the installation just as you’ve done with the previous tiles.

• Take a measurement of the distance across the ridge from the first tile’s outer end. Once done, you can then calculate the number of tiles required by subtracting 16 inches from your measurement and divide the answer by 8.

• Beginning at the second tile on one end of the ridge, install the half the number of ridge tiles towards the centre of the ridge. Now install the remaining tiles working from the opposite end to the ridge’s centre. At the centre of ridge should be a key tile with mortar.

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.