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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 However, the only thing that’s holding you from making an offer is the outdated kitchen.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 thinking about refurbishing your house or property but don’t know how to go about it, then you’ve come to the right place. In truth, not every home refurbishment works goes in exactly the same order, however it’ll do you some good to abide by a specific plan in order to avoid both unnecessary works as well as expenses. For instance, how would it feel if you have already closed walls and paint only to realize that there’s a need to include a new plumbing stack that has to go behind the wall? Not good, right? Well, this guide is designed to help you avoid such frustrating situations. Let’s have a look!

✓ Establish a plan. This involves carrying out a good assessment of what you’d like to refurbish and set the priorities like deciding where to start and making sure you have both the time and budget to complete the project.

✓ Set a budget. Establish a final amount that’ll be the threshold to your spending. It’s always good to add an additional 10% to 15% to cover unexpected costs.

✓ Hire a contractor. Carry out a research, reach out to many contractors, compare their prices, work quality as well as integrity before hiring.

✓ Talk to your insurance company. Find out if you have the amount of coverage that suits your needs from your insurance company before and after your project.

✓ Secure permits and order materials. Make sure you check with the latest regulations before commencement. Once done, you can start ordering the required materials.

✓ Start demolition. This is optional as it only applies if space is being added.

✓ Work behind the walls. This include doing all the works necessary behind the walls like plumbing, electrical, heating etc.

✓ Paint and install flooring

✓ Fit in the cabinetry

✓ Add finishing touches. This includes the last details and decorations.

The best type of insulation for your property will depend on the type of walls and any insulation that’s already present. It’s usually a good idea to have some form of wall insulation as well as loft insulation, as this helps to prevent heat loss in both areas.

If you’ve converted a non-residential barn into a home, you might be able to reclaim some of the VAT that you’ve paid for your project. This includes money spent on:

• Construction materials

• Flooring

• Light fittings

• Kitchen units and worktops

• Electrical, heating and plumbing materials

To reclaim your VAT from HMRC, make sure you request and keep all of your invoices. You’ll also need proof of planning permission and evidence of completion. You should then submit your claim with all relevant paperwork within three months of receiving your completion certificate. You’re only allowed to submit one claim, so you’ll need to make sure you get it right first time.

If you’ve decided to construct a porch to your property and now looking to figure out the cost required to complete the project, then you’re at the right place!

There are many factors that comes to play when determining the price of building a porch. These factors includes the size of the porch, the number of windows, the style of the roof as well as the type of the porch selected. Now let’s take a look at these factors one after the other.

• The Porch’s Size

As you would have correctly imagined, a large porch will definitely cost more money than a smaller one. A rough estimate of a porch’s cost per square metre is approximately £1,400.

• The Number Of Windows

Just like in the scenario above, the more the number of windows to be incorporated, the more money you’ll have to pay to complete your porch. A porch window will generally cost you within a range of £300 to £1,000

• The Style Of The Roof

There are two popular styles of porch’s roof which includes a tiled rood and a rubber flat roof. Generally, roof tiles are costlier than a rubber flat roof. A tiled roof would cost you between £0.80 to £1.80 per roof tile, while a rubber roofing will cost your between £70 to £90 per metre squared.

• Type Of The Porch

Another huge determinant of a porch’s price is type of material incorporated. For instance, if your preferred type is a lean-to, the price of a uPVC would be between £2,300 to £2,700. Meanwhile, a flat gable roof porch should cost within a range of £3,300 to £3,800.

Kindly note that the costs quoted in this article are only rough estimates, for a more accurate estimate you can contact a porch building professional within your local area.

Are you looking to create some more space in your home with your garage being almost dispensable? If yes, then considering a garage conversion project may be the way to go. Unlike many other extension options, garage conversion does not take up an additional space as it only changes the current structure of the garage. As a result, the cost of completing a garage conversion project can be relatively attractive when compared to other space creating alternatives. So exactly how much would a garage conversion project cost? Well, there’s no precise answer for this as several influencing factors come to play. However, in this guide we’ll give you a rough idea of the average costs that you’re likely going to encounter. Some of the factors that can influence your budget dramatically includes the following:

• The size of the conversion. The larger the size of the garage per square feet, the more cost you’ll have to expend.

• The type of your property - listed buildings are usually more expensive.

• Your location in the UK. If you stay in London where there’s a higher demand, you’ll most likely pay more.

• You’re likely to pay more if a specialist knowledge is required.

• The amount of glazing to be installed

• Quality of the materials to be incorporated.

• Quality of the professional to carry out the installation service.

On average, when it comes to garage conversion projects, you’re likely to pay the following depending on the per square metre given:

• A single garage of about 15 square metre will cost within the range of £6,000 to £15,000.

• A double garage of about 30 square metre will cost within the range of £12,000 to £30,000.

The short and simple answer is yes, fitted wardrobes add value to any home or property. Owning a home is mostly the single most expensive asset that a person can possess. And as a result, your home is a very special asset that you’d want to make conducive and maintain to the best of your ability. To retain the value of your home or even add to it, you have to learn how to maximize its potentials using different means. In the UK, a big issue for most households is usually the lack of storage space and most especially, the quickly shaped bedrooms which is really affected with storage problems. It almost always seems like there isn’t enough space to keep our clothes as well as the never-ending portfolio of accessories, devices and gadgets. Therefore, an extra or excess usable room inside a home is always a premium.

In other words maximizing the space you have, especially the unused ones, is a great way to add value to your property. Custom made fitted wardrobes are a great means to making the most out of the space within your home and are also designed to last for several years. Unlike the freestanding wardrobes, modern and fitted wardrobes are not only visually appealing, but they’re also customizable to fully maximize every inch of space within the room. As a result, they’re the ideal solution especially for loft rooms where the bedroom may be slope or oddly shaped to make the best out of the space available.

Potential investors are always eager to invest in homes with enough space that are well maximized. Therefore, a fitted wardrobe will not only help you create a better demand for your home at the point of selling, but it’ll also go a long to increase its value in so many ways.

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.