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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.

In general, you won’t need planning permission to install soundproofing. If you are installing soundproofing against a shared wall, you will usually need to follow the rules and restrictions set out in the Party Wall Act. In listed buildings and conservation areas, there may be extra restrictions on soundproofing.

With cavity walls being very similar to other type of brick works, it can be quite confusing to figure out the type of wall your property possesses. If your house was constructed after the 1920s, then its highly likely the you have cavity walls, while older houses (houses before the 1920s) are likely to have solid walls. What’s more? If you happen to own a home that was built in the last decade, then it’s very possible that it was built with insulation installed during construction.

An effective way to determine whether or not your property is built with cavity wall is to examine the brickwork on your home’s exterior. The bricks will typically possess a regular pattern if it features cavity walls. In the event whereby the brick work is covered by render, you can also figure it out by taking a measurement of the wall’s width. If the brick wall is beyond 3000mm in thickness ( from the exterior wall to the interior wall), then it probably features a cavity. Meanwhile, a wall that’s narrower is very likely to be solid. Stone walls, on the other hand, may actually be thicker but are most times solid.

In a situation whereby your house is built using steel frame or timber frame, or made using pre-fabricated concrete, there are varying rules that applies when it comes to insulation and should be examined by an expert before any insulation is installed. More often than not, most contractors will have installed special air vents, which can also be a good indicator that a cavity wall insulation has been done.

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.

This is an individual who is trained in the art of working with concrete blocks or bricks, clay bricks as well as other kinds of mortar building materials. In a combination of these materials and good bricklaying skills, a bricklayer can build and repair veneer as well as full brick construction, arches, partitions and other structures.

Contrary to many beliefs, a bricklayer actually does more than laying of bricks. There’s more to being a bricklayer than you can probably think of. A single bricklaying projects requires a wide array of skills. Let’s have a look at these skills!

• Using damp resistant materials to seal foundations.

• Spreading mortar between joints and applying them to serve as a thick layer binding the bricks together in rows.

• Reading and working from specifications as well as plans.

• Working with brick-cutting machines.

• Taking charge and caring for cement blocks or bricks, clay bricks and the likes.

• Construction of scaffolding - subject to possession of some licenses in some states.

A bricklayer mostly works outdoors, in the field and may also work at heights. Depending on the job, a bricklayer can work as part of a team or be in contact with the public. They are mostly recruited by building and construction companies and bricklaying sub contractors. However, they can also set up their own private construction firm or become a self employed tradesperson.

A bricklaying qualification is one of just two construction trades which can continue to become a registered builder. And regardless of the form a bricklaying employment takes, there are certain qualities that makes a really good bricklayer. These includes:

• Ability to work at heights and outdoors

• Enjoy practical work

• Technical aptitude

• Good hand-eye coordination

• Independent and yet a team player too

• Top physical fitness

• Attitude and attendance.

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.

One of the main reasons why fitted wardrobes are a popular choice amongst homeowners is due to the fact that they’re able to help maximise storage space and since they’re usually customized for the particular room, they’re always good looking. However, just like any other home item, over time your installed wardrobe may start to look a bit dated and old fashioned. In these type of events and in order to save money, several homeowners would prefer to update its look to a more modern one without having to completely replace the fitted wardrobe with a new one. In this guide, we’ll give some great tips on how to update your old fitted wardrobe. Let’s take a look!

✓ Add mirrors to the wardrobe doors. Your old fitted wardrobe may be made of old fashioned laminate or chipboard which happens to draw scratches and dents here and there. If this is the case, you can simply add mirrors to help conceal the damage or unsightly marks.

✓ Include decorative trimming or panelling. You can choose from the various styles of trimmings you’ll find at hardware stores. By adding some strips of moulding, the whole look of your fitted wardrobe can change significantly.

✓ Painting. If the surface of the wardrobe permits, painting can go a long way to alter the look of the wardrobe.

✓ Change the handles. Handles may seem as a little item that doesn’t add to the aesthetics of the wardrobe. However, in reality, change your old handle with a more modern and fashionable one can make a great difference to the wardrobe’s overall appearance.

✓ Upgrade the interior. You can upgrade the interior of your wardrobe to give you more options and a better appearance. For instance, you may wish to have part of the wardrobe to offer integrated shelving or perhaps pull out drawers rather than having all the interior space for hanging clothes and garments.

The importance of underpinning a house cannot be overemphasized. Firstly, what is underpinning? Well, underpinning is simply the act of reinforcing, repairing, strengthening or improving the depth of an existing foundation by lowering the footing to ensure that it rests more on more reliable and supportive soil. Not only does this method help to strengthen your building and preserve its structural integrity, but it also does increase your property’s value and gives you peace of mind knowing your property is safe. If you’re thinking about underpinning your house, you have two options – do it yourself or call in a reputable structural engineer. The latter is more advisable as the method involves a lot of specialized knowledge, skills and tools to guarantee a successful outcome. In this post, we’re going to take you through the process involved in underpinning a house. Let’s take a look!

To get started, you should know that concrete underpinning features excavating pier footings around the building at about 2 to 3 metres distance between each other. In some cases, underpins can be installed from within the house. The footings of the underpin should go very deep into the underlying soil in such a way that fully supports the weight of the building or structure. Once done, now proceed to attaching the new footing to the building. You can achieve this by excavating underneath the existing footing to make for a stronger prop. Individual prop and pier arrangement is then strengthened using strong steel bars. Once completed, the concrete is then poured.

A professional underpinning contractor will make sure there’s sufficient space left between the existing footings and the new underpins as this space will ensure that the new underpins can be easily used to jack up the house and level it once the poured concrete cures.