Find a Builder you can trust in Cowbridge.

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.

Often referred to by many as the holy grail of home improvements, house extension comes with a wide range of benefits which makes it easy to see why the extension could be a great uptick in the potential price of your property in terms of sales. So if you’re looking to build a new home extension but still not convinced about the project, we’re here to help you. Being fully aware any home construction work is usually a heavy investment, there’s a huge need to be set on your decision before scheduling the commencement of any work. So are house extensions worth it? Below are some of the top benefits offered by house extensions to help you decide if it’s the most suitable route for you.

• Add To Your Home’s Value

Building an home extension is a great way to add value to your home before selling. Increasing the living space of your home is an incredible appeal to many buyers which significantly increases your property’s total value. However, you must ensure that the extension is impressively designed using top quality materials in order to generate more value.

• Good Alternative To House Moving

The most common reason for moving is usually due to a lack of sufficient space, but with house prices steadily on the increase a cost effective alternative is highly sought after. This alternative is house extension which creates more space for the household to spread out and have more privacy.

• You May Not Require A Planning Permission

You can extend your house and still not need to apply for a planning permission. To achieve this, simply comply with the laid down rules set under the permitted development rights.

• Extra Living Space

If you fill you’re starting to outgrow your existing structure and do not buy into the idea of moving, then your best bet might just be to extend your home.

A barn conversion is where an agricultural building is altered to serve a different purpose. Lots of barns conversion projects involve converting an old barn into one or more homes. However, barns can also be converted into other types of commercial building, like offices.

If you’re planning on adding a house extension to your property, you’d probably be worried about whether or not your proposed extension would require a planing permission. Well, it may be relieving to know that not every house extension project would require a formal consent, and in fact, several extensions are covered by the permitted development rights. Not only can this save you a considerable amount of time especially at the project’s planning phase, but it’ll also save you money on the application fee. In the UK, single storey extensions to the house’s rear can be 3 metres deep for both semi detached houses and terraces or 8 metres deep for detached homes.

So how do you know when you’d require a planning permission for your home extension? Well, if your extension plan fits these criteria explained below, then your project is most likely going to be allowable as a permitted development.

• Extensions, which includes previous additions, must not go beyond half of the original house’s total surrounding land area.

• The main elevation, or side elevation where it fronts the highway, must not be extended forward.

• For single storeys, the rear additions must not extend more than the original house’s rear by more than 3 metres in both semi attached homes and terraces (4 metres for detached houses).

• Extensions to the side must be a single storey with a height not exceeding 4 metres and not going beyond 50% of the original house’s width.

• Extensions hat within 2 metres of a boundary should have a eaves height not more than 3 metres.

• Multi storey addition must not extend beyond the original house’s rear wall by a maximum of 3 metres or 7 metres of the boundary opposite the rear wall.

• Permitted development rights do not apply in listed buildings or designated areas.

You may need planning permission if you are planning a larger extension. All extensions will need building regulations approval. An architect can assist with this and if planning permission is required. A reputable contractor will also be able to advise you if this is needed as well.

Aside from the cold weather not being the most pleasant condition to work in, the winter weather can also cause a lot of problems for construction workers and even more so when you’re working with render. Poor weather conditions can generally cause a lot of harms on the final finish of a render. Below are some of the reasons why you should not consider rendering in a bad weather.

✓ Lime bloom. Render can be impacted by lime bloom as they are subjected to damp conditions and low temperatures while curing. This is due to the fact that cement are intolerant to slower drying conditions especially immediately affect its application.

✓ Top coats can be compromised. Coating are likely to get washed off before they’re even afforded the chance to set if drying conditions are low.

However, because its cold out there doesn’t necessarily imply that work must stop. It’s very possible to render during the winter months but to avoid potential pitfalls, we’ve got some tip that can be of great help. Let’s have a look!

✓ Check the weather forecast. Determine the drying and curing time and watch the forecast for the temperature dropping at night.

✓ Select the most suitable render. There are renders that are suitable for application in low temperatures to about 5℃ or even as low as 1℃. These types of render are fast setting which makes them perfect for the cold condition.

✓ Watch out for frost. Frost and render are enemies. Therefore, it won’t be wise to work with frosted materials, on frosted subtrates or apply below the recommended temperature that’s written on the product’s datasheet.

✓ Protect the finish. Make use of artificial enclosures around the scaffolding to battle adverse weather conditions.

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

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.