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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 However, the only thing that’s holding you from making an offer is the outdated kitchen.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.

A front porch is a glorious addition that would be a blessing to have in any home. It gives you a good floor space to enjoy your neighbourhood as well as your surroundings in the cool atmosphere of the outside living space. The question however is, how do you build a porch? Constructing the structure can be a very challenging task but with proper guidance and lots of practice, you can also be a skilled porch builder. To protect your investment, it’s advisable to hire the services of a professional for help with your porch especially if you lack proper training and experience. This way, you’ll get to save time and money. This guide is prepared to give you some insight into the porch building process.

lAssess Your Location

• Consider the location before proceeding with the project. It’s essential to select a location that’ll reduce the sunlight coming in.

lPlan The Materials Required For Your Porch

• You’ll have to decide the type of porch you’ll be going for. For example, your porch can be built out of wood, composite decking or if it’s going to utilize some stone flooring, brick or even tile.

lBuild Your Porch Foundation

• Dig the foundations deep to ensure stability while also putting in mind any pipework or cabling

• Fit a damp proof course

• Add the subfloor - this can be concrete or timber

lStart To Lay The Brick And Floor

• Lay the bricks evenly up to the DPC level

• Lay the floor

• Add the flooring protection

• Once done, you can lay the bricks to the window level

• You can fit in a window sill if required before proceeding the brick and block work until it reaches the roof timber’s height

• Fit the linter when you get to the top of where the window will reach.

lConstruct The Roof

• Build a timber framework

• Fit a breathable roof membrane

• Install the roof battens and lay the roof tiles.

• Add gutters

Garage conversion is a great way to add extra usable space to your home without having to extend your property. A fun fact is that, in the UK if you have your car parked in the garage, you’re in the minority. According to a research carried out by Admiral Loans, just about 33 percent of home owners in the UK store their cars in the garage. For most people the garage is literally a dumping ground that’s never fully utilized as such. In recent times, the garage is now being used to store a variety of other stuffs asides a car which includes garden furniture, tools and appliances, utilities such as washing machine, fridge and freezer as well as food and groceries. These facts show that more and more people are underutilizing their garage when they may actually be in need of more usable space in their property. So why not put into consideration converting the garage into a new space that would be able to serve more purpose?

If you’ve decided to convert your garage, you’d probably want to know the how long the project will take. There are a wide range of factors that can determine the duration of a garage conversion project. These factors include:

• If the foundation needs reinforcing

• If the floors, walls, or roofs are in a bad condition.

• If the ceiling height needs some raising

• If the insulation required in newer builds.

All aforementioned factors will make the garage conversion project take longer than expected. However, in normal situations garage conversions are relatively quick to complete once you start the building works. A single-car conversion will usually take about 3 to 4 weeks to complete depending on the existing garage’s structure.

The best way to go about converting a basement depends on its current condition and what you’d like to use it for.

If you’re happy with its size and structure, and just want to turn it into useful storage space, then your project shouldn’t be too complicated. You’ll simply need to make sure it’s damp proof and waterproof – either by fitting tanking or a cavity drain membrane with a sump and pump. You may also need to invest in new flooring, fit basic lighting, and plaster and paint the walls and ceiling.

If you’d like to turn your basement into living space, then you’ll need to think about ventilation, insulation and heating. If this involves creating a kitchen or bathroom, you’ll also need to incorporate plumbing.

If you want to extend your basement, add lightwells, or fit windows and a sunken garden, this makes things much more complicated. You’ll probably want to hire an architect or basement conversion building specialist to help you with the design and planning, and you’ll need a structural engineer to help you ensure your property is sufficiently supported.

Sand is a very important element in bricklaying as far as a mortar mix is concerned. Generally, the quality of the sand is the major factor determining the quality of a plaster mix or mortar mix. It’s recommended that the sand should have enough ‘fines’ (- 75 micron material) to get a good plastic mix with a water content that’s less than 350 litres/m3. Generally, a mortar mix or plaster mix is made within the range of one bag of cement to 200 to 300 litres of damp sand.

Apart from experience the next best indicator of the quality of sand is a field test. In other words, if you do not have the required training or experience in bricklaying, the best bet to determine the amount of sand for a good quality mix is by carrying out a field test. Let’s have a look!

• Get about 50kg of sand and air dry it.

• Scoop 25kg of the sand, 5 kg of cement as well as litres of water ( with 1 litre and 1.5 litres of the water in different containers).

• Mix the cement and sand to form a smooth, uniform and consistent colour.

• One after the other, mix the the sand - cement mixture in the three quantities of water. Do this until you’re able to achieve a mix that’s workable enough to use as plaster.

With that done, you should take note that if 5 litres of water is sufficient then the quality and quantity of the sand is perfect. If you’d require 6 litres of water to get a mix workable as a plaster, then both the quality and quantity of the sand is average. However, if you’d need 7 litres of water to get a mix workable as a plaster, then the quality of the sand is poor. Any requirement of water above 7 litres implies a very poor quality of sand.

Do you want your house to be built using brick? Or perhaps you just require the professional services of a bricklayer. Regardless of your bricklaying needs, the cost charged depends on each job as every job is unique. Bricklayers generally look at each task individually and charges based on the complexity of each. We’ve put together this guide to give you an idea of the costs charged by bricklayers. Let’s have a look!

Generally, bricklayers charge either based on a daily rate or a fixed price for a particular amount of bricks ( usually a thousand bricks or 10 - 12 metres square). On the average, an experienced bricklayer can charge within a range of £150 to £200 daily rate and if a labour is needed for the job, an additional £60 to £100 may be included to get the job completed in a quick and fast manner. If the quoting is done based on the number of bricks to be incorporated, then a thousand bricks will be quoted in between £350 to £450 which should be completed in a couple of days.

You should however take note that most times, the bricklayer’s cost will depend on the amount of work involved in the project. As a result, a more tedious and challenging project will most definitely cost more than a simpler one. Examples of some difficult projects that’s likely to cost more are hard to reach areas, difficult sites as well as second storeys which are considered to be more challenging than single storey buildings. What’s more? The complexity of the project is also a great cost factor. While some projects are basically direct and straightforward, others involve curves and more complex designs which will ultimately make the cost jump up.

Most companies will make the building control application on your behalf and ensure that all the work is completed to the right standards. When a building inspector has inspected it, you’ll get a certificate. It usually takes around 6-8 weeks after completion to come.

If you’re considering rendering your house or property, then you’d most likely want to know whether or not applying for a planning permission will be needed. In several cases, planning permission will not be required for the maintenance, repair as well as replacement of the existing render on your building. These activities are covered by what’s called “Permitted Development Rights, which allows you to carry out some activities without having to apply for a planning permission but always subject to following some strict guidelines. For rendering, as long as the material (render) possesses an identical appearance to those existing on the house as well as same colour, then you will not require a planning permission. However, there are a number of projects that have been highlighted in which a planning permission would be required. These includes the following:

✓ Re-rendering in a colour that different from the original one used on the house or building.

✓ Rendering over brickwork which was not originally covered.

✓ Rendering over pebbledash

✓ Removing pebbledash and replacing it with render.

Another exception to the Permitted Development rights are for houses in conservation areas, national parks or areas of outstanding national beauty.

Although, you wouldn’t normally require to submit a planning application for approval before you apply render, but in truth it’s actually a bit of a grey area which isn’t totally clear and doesn’t allow for much freedom or creativity. And due to this fact, homeowners who wants an absolute peace of mind may opt to apply for planning permission just in case. It’s also worth noting that whether or not a planning permission is required, a huge rendering work will need to comply with building regulations which includes the need to insulate walls on the inside or outside as part of the work on several older properties .