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 However, the only thing that’s holding you from making an offer is the outdated kitchen.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

If you’re about to carry out a loft conversion project, you’d probably be wondering how long it’ll take to complete the task. Well, you’re not alone! This is one of the most common questions when it comes to loft conversion projects, however, providing a set timeframe for completion of such projects is impossible as all loft conversions vary. There are different factors that can determine the duration of your project. These factors include, the materials to be used, the type of the proposed loft conversion, the kind of staircase you’ll like to have installed, the number of windows included, the number of rooms to be added as well as a number of other influencing factors. As a result of these variables, the milestones and timings provided are only to be taken as guidelines. If you’d really like to have a set date, you can get in touch with a professional for help.

Generally, it’ll take up to 8 weeks to complete a loft conversion project.

✓ The first week activities will include putting up scaffolding, receiving the first materials for the build and creating an opening in the roof to gain access to the loft space.

✓ In the second week, the structure of the roof will be ammended and more support added.

✓ Third week, the floor joists will be fitted, building of the loft conversion will start, completion of the external roof works and commencement of plumbing and electric works.

✓ Fourth week, complete the building, construct the loft floor, fit the roof windows, insulation, ventilation and internal stud walls.

✓ Fifth week, apply plaster and plasterboard to the room walls, create a staircase opening and fit the new staircase.

✓ Sixth week, plaster the staircase area, complete plumbing and electrical works, hang the doors, fit skirting, handrails and bannisters and start decoration.

✓ Seventh week, complete the decoration and clean and wipe out all wastes.

✓ Eight week, complete all the remaining tasks.

This is a very great opportunity to not only get free external wall insulation, but also cut down your energy bills depending on the type of property you live in. Generally, to enjoy free external wall insulation you must at least be part of the group receiving one of the benefits listed below and also depends on the amount of money you earn. The benefits include:

• Income based jobseeker’s allowance (JSA)

• Income support

• Income-related employment and support allowance (ESA)

• Tax credits

• Pension credit guarantee credit.

• Universal credit.

There are also other important factors that determines if you can have a free insulation fitted on your property. These includes the place you reside, the carbon level of your home and according to some suppliers, the level of beneficial impact the insulation will have on your home. In order to have a free external wall insulation installed, you must either be the owner of your home or at least obtain the go ahead from your landlord before any external wall insulation activity can be made.

Good news is, if you fit the aforementioned criteria and you’ve already installed an external wall insulation, you just may be entitled to receive a refund for the good job done. However, to really find out if you’re eligible, we’d recommend you get in touch with your supplier directly. Also, the Energy Saving Trust (EST) can direct you to some organizations who can assist you in the determination of your eligibility.

As a home and property owner living in England, you can also check out the Each Home Counts Advice Website which is committed to giving impartial energy efficiency advice.

At the end of the day, if it turns out you happen to be ineligible for a free external wall insulation, you can still go ahead to contact a professional installer for a help at a competitive price to enjoy the several benefits that comes with home insulation.

Adding a garden room to your property is a great way of creating an additional space within your home without having to invest heavily in large house extension projects. And not only does it expand your living space, but it’s also a way to add good value to your home or property. With the various benefits offered by a garden room, most individuals are usually surprised with just how affordable the living space can be. However, just like any other home improvement, the price of a garden room is influenced by a wide range of factors. These factors include the design you opt for whether standard or customized, the size of the garden room, the materials used, the number of fixtures and fittings you want as well as any other special design feature you require.

Asides from the money needed to put up the structure, there are also some common extra cost that’ll also be expended for both the interior and exterior of the living space. For instance, there are some furnitures and fittings that you’d like to put in your garden room and these will also form part of the overall cost. There’s also the electrical connections cost and this will vary depending on the distance of your room, the cables to be used as well as your electrician. For this part, you can expect to spend anything within the range of £850 to £1200 and since it’ll be used all year long, it’ll also require appliances for heating, insulation, electricity and ventilation.

Generally, the overall cost you should be expecting to pay for a modular build garden room will range between £10,000 to £40,000.

Rendering is an external wall’s plastered finish which provides a smooth finish while also protecting the brickwork from the elements like rain, snow and the likes. The traditional rendering is normally applied in two or three coats which enables it to be more resistant to surface cracks. In modern times, the finishes are largely different from the grey pebble dash of post war housing. Today, we now have a plethora of specialist products to pick from such as through-coloured silicone renders as well as one coat renders. The types of renders include the following:

✓ Cement renders. These are the common option that are usually mixed on site and used in a number of applications, then painted when dried. There’s a need to paint this type of render regularly to keep them looking great.

✓ Polymer renders. These are pre mixed and mostly pre coloured (usually with through colouring).

✓ Through-coloured products. These rendered do not need to be painted as the pigment is already added in the manufacturing process to colour the whole render.

✓ Lime renders. These are superior to cement as they’re less likely to trap moisture in the brickwork and also more good looking. However, they’re generally more costly and more difficult to apply.

Overall, rendering on a house provides several benefits. Not only is it able to protect your brickwork against the elements like the rain and wind, but it can also make the building more efficient. Being fully aware that about 30 percent of the energy used in heating a home is lost via the external walls, making use of a product such as acrylic insulated render is a smart approach to improve your home’s energy efficiency without affecting your interior living space.

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.

There are two main types of cladding. The first is material cladding, which refers to layers of a material that are attached to the external walls. The material used could be timber, PVC, stone, or other materials. The second type of cladding is rendering, where a coat of plaster is applied to the wall.

Due to the fact that we live in a country (the UK) with so much history as well as architectural beauty, there’s a need to have what’s commonly called “Conservation Area. A Conservation Area is basically an area which is designated by the local authority and is established in order to protect and enhance areas of historical and architectural interest which includes both rural and urban areas. Therefore, when it comes to refurbishment project in a conservation area, there’s usually a lot of things that needs to be put into consideration as well as hurdles to scale in order to make alterations to your property without any interruptions from the law.

In general, all properties in a conservation area have strict regulations governing the outlook of the houses, as this plays a major role in the appearance of the area as a whole. As a result, if you wish to bring down a building, fence, wall or even railing and the likes, you’ll need to obtain prior consent before you proceed. An easy way to go about any refurbishment plan is to to ensure the usage of exactly the same materials that exists in the current house. When you abide by the rules, you’ll be in a more favourable position to acquire the needed prior consent.

The short and simple answer to the question is yes, you can refurbish a house in a conservation area but subject to the approval of the local authority through a planning permission. And when it comes to submitting a planning application for approval, some are aspects will usually be subjected to more intense examinations than the others. Hence, the need to make sure that your refurbishment plans are all friendly in a similar way to the neighbouring buildings and environment.