Hiring the Perfect Home Improvement Company

Finding the right home improvement company for your next home improvement project can be an easy task if you plan it right. When you have a room that needs a fresh new More »

Basic Principles For Designing Your Dream House

Before setting your mind on a particular choice of plan or architectural design, take the time to read through the following pointers as set out below, subsequently you will be able to More »

Color Your Dream With Online Home Improvement Loan

In this expensive world, having a dwelling is rare! Generally, people opt for rented one. However, for those you have a home of their own and want to go for some or More »

Finding a House for Rent

Trying to find a house for rent can be very frustrating, to say the least. Most people complain that there just is not enough houses for rent to choose from. You might More »

A Few Guidelines to Consider When Looking for a House for Sale

When looking for a new home there are several items you should consider carefully before making your selection. These things range from the size of the home, to the neighborhood it’s located More »

Home Improvement Loan

Home improvement includes both major and minor changes that people make to their house. Some of these changes include painting walls, flooring, adding new fixtures to kitchen and bathrooms, installing heating and More »

 

Get a Loan for Home Improvement & Repairs

Living in the same house for many years can be quite boring. With an increase in the needs, you and your family must be looking for a bigger house. Moving into a new house can prove to be very costly. Instead of selling your old house and buying a new one, you may carry out repairs to your house or go for home improvement. Home improvement includes repairs as well as renovation.

When you are on a look out for a home improvement loan, the most important factor that you must consider is the rate of interest. You must shop around to get a low rate home improvement loan. Compare the loan quotes offered by various lenders before applying for a home improvement loan.

The rate of interest depends on several factors. When a loan is secured against some property, it carries a low rate of interest. The rate of interest also depends on the credit score of the borrower. If the borrower has a bad credit history, he is offered a loan at a high rate of interest. If you offer your house as a security to obtain a home improvement loan, the rate of interest depends on the equity in your house. If your home equity is sufficient to cover the loan amount, the lender will charge a low rate of interest.

You may take out a personal loan to carry out home improvement. Personal home improvement loans are usually unsecured and are used for small repair jobs. If you are a homeowner, you can get a homeowner’s loan to carry out home improvement. Since a homeowner’s loan is a secured loan, it offers all the benefits of a secured loan.

You can treat home improvement as an investment opportunity since it appreciates the value of your house. Home improvement is a very effective way of increasing the value of a house. When you undertake home improvement for the investment purpose, you must make sure that the cost of carrying out home improvement does not exceed the resultant increase in the value of your house.

Hiring the Perfect Home Improvement Company

6

Finding the right home improvement company for your next home improvement project can be an easy task if you plan it right. When you have a room that needs a fresh new look you are likely to head to the yellow pages to get some bids for your project. This article will look at some basic steps you should do before you make that call to your local home improvement company.

Ask and You Shall Receive

Before you call any home improvement company you need to do some research. It is likely that you know little or nothing about the home improvement company in the hone book. You should ask around at the local home improvement stores for names of contractors and home improvement companies they have dealt with in the past. Ask your friends and neighbors for names of people they have used in the past.

Know the Plan before You Ask For Bids

You would be wise to develop a firm idea of the home improvements that you will need including the type and cost of materials for the job you need completed. If you lack ideas then you may ask the home improvement company to offer some suggestions with examples of their work.

Once you know the type of project you will have done it is time to get some bids from the various home improvement company contractors. The key is to make sure they are all bidding on equal terms. Make sure that the measurements and materials are the same for each bid. Many home improvement company bids will have figured in less time or less space to complete the job. Once you award the job to them they may come back and ask for more money to complete the work.

Hiring the right home improvement company becomes much easier once you do your home work and know the options you have in material and space. The more you know about the job and what you want the less time the home improvement company needs to spend designing a plan.

Basic Principles For Designing Your Dream House

Weatherization-1024x780

Before setting your mind on a particular choice of plan or architectural design, take the time to read through the following pointers as set out below, subsequently you will be able to make a more knowledgeable decision in plan design & style choice.

SIZE

The size of the proposed house will often be determined by budget for most 1st time builders in South Africa but other factors will also play a big role.
Local municipalities will always stipulate a certain coverage and height restriction for a site in a particular area. Read through your title deed for possible servitudes (areas as set out by the municipality for other uses eg. Electrical or sewerage services) or other restrictions before planning is started as these might also greatly reduce buildable area on your erf.

Take a look at the following typical example:

You have just bought a lovely stand at the coast with a great view towards the sea. The size of the stand is 600sqm (20m X 30m) with a 3m building line all around. You contact the local authority or estate architect and find out that only a 40% coverage is allowed for this stand and that the 1st floor may only be 30% of the groudfloor area to not restrict sea views for the neighbouring houses.

You might be surprised how limited your building area has become with the above parameters: The stand’s building area is reduced to 336sqm by the building line alone, furthermore the coverage only allows for a 240sqm max. building footprint with a 72sqm upper floor. Therefore the building limit for this stand would be 312sqm.

The above example might seem irrelevant, but often other factors eg. Orientation of the site might further difficult the situation.

FUTURE EXTENSION

Are you planning to have more children? Do you have ageing parents that might require a living unit on your property? You might be retiring in a couple of years and may feel the need to provide space for a hobby area / workshop / library that you envisage for the future. You could also be planning to start your own home based business in the future and might need extension space to your home at that time.

According to statistics, South Africans typically stay in a house for apprx. 7 years and might move around more that other established countries, but often families become comfortable with their current accommodation and find it less troublesome to extend to their existing house than moving to a new bigger house. With the above in mind, you might want to plan your new proposed house to be able to accommodate possible future extension.

SIZE OF YOUR EXISTING FURNITURE

Make sure that the planned room sizes will be able to accommodate your existing furniture. You might own huge antiques or double beds for all the bedrooms. With the always rising building costs secondary bedrooms are often designed to only accommodate a single bed.
You might also want to take time to carefully consider the size of the garage. A standard double garage is considered to be 6x6m but doesn’t leave any space for storage or perhaps a DIY-corner especially if you own large vehicles.

ORIENTATION

Often the shape of the site and/or possible views has a huge effect on the placement of the building, but keep the following in mind before before putting pen to paper:

Minimize west facing window openings as far as possible , rooms facing west can really become uninhabitable during the late afternoon until early evening. Also western sun can be very destructive for curtains, furniture etc.
Try to minimize east facing bedrooms also unless you are an early riser, as the sun can wake one up a lot sooner than was planned. Often residences on the eastern coast of the country have views toward the east thus too many east facing bedrooms has to be considered carefully.
The perfect orientation in SA for all habitable rooms in a house is 10 degrees east of north to minimize the heat in summer and in the cold winter months when the sun is lower creates less shadows and more heat radiation in the habitable rooms.

When planning the positioning of your house on the site, the position of sewer connection should be kept in mind – Try to keep sewer line lengths to a minimum. The garages should also be planned close to the site entrance to keep the driveway area to a minimum to keep paving costs down. (Most local authorities do however require a minimum of 6m driveway for visitor vehicle stacking)

SHAPE OF HOUSE

Shape of house – Take into account that the more complex (many corners) the plan the more the cost, also a square shape is more cost effective than a long rectangle, for example if you build a square house of 10x10m (100sqm) the total brick perimeter would be 40m, however if you build a 100sqm rectangular house of say 5x20m, the external envelope will be 50m in perimeter. The above is exaggerated, but illustrates the idea.

Try to keep away from excessive curves in the design of the external envelope, in particular when building a conventional roof and not a thatch or concrete roof, as this might require building unnecessary extra roof ridges and breaking up of roof tiles to accommodate this. It will often be a nightmare to build you might have a lot of waterproofing issues.

If the plan of the design is very complex, it might also require building unnecessary parapet walls to accommodate the roof structure which leads to extra flashing (more potential for leakage)

If you live in very windy conditions eg. The False bay area in the Cape, you should consider building the shape not to ‘catch’ the wind but with its back to it.

ARCHITECTURAL STYLE

a Lot of themed estates have been rising up all over the country for a number of reasons. If you have bought into one of these estates, you should obtain a copy of the Aesthetic committee’s rules and regulations regarding the allowed architectural styles as they often have a strict architectural theme that owners must adhere to.

Roofing

The architectural style of a house often bring about many variances of roof design. Concrete roofs (Contemporary styles) typically has no eaves overhang and is not optimal for our country’s generally sunny conditions and rooms could often be very hot as the sun heats a larger portion of a room’s floor area which is retained and make the home’s ambient temperature a lot warmer.

The ‘Tuscan’ look as adopted by South Africans around the country, also characteristically features very small eaves roof overhangs, which again is not favourable for sunny conditions for the same reason as mentioned above, what makes it even worse than that of a concrete roof is the weather proofing of this way of roof design. Driving rain can cause moisture to easily, and do, creep in below the eaves and create moisture leakage into the building. You might have a lot of stained ceilings within a years’ time.

If you are fond of this look, consider having larger overhangs which can be done without compromising this ‘style’
Thatch roofing can be quite a bit more expensive that conventional roofing but allows for a great cool atmosphere within such a building perfect for South Africa’s sunny conditions.

Gable walled architecture where the gable extends past the roof are often considered to be very attractive, but keep in mind that the roofs will have to be flashed at all the gables and if not done properly has an increased chance of water leakage into the house.

Windows & Doors

Consider the size of the window openings. Windows can be wood, steel, aluminium, top-hung, side-hung, sliding etc. in the end the style of the house will mostly influence the type of window but if unsure about sizing of openings refer back to the orientation section earlier.
The NBR specifies a daylight opening of at least 10% of the floor area of a room
Where possible always try to create as much cross ventilation to habitable rooms as possible.

Where doors face towards the west, consider the maintenance and material of these.
In windy conditions, try to keep doors screened from the prevailing wind side especially large leafed swing doors.
Folding & stacking doors are great to enhance the living towards the outdoor feeling and for ventilation, but keep the width of these to a minimum as problems with the sliding gear often arise when the spans are too vast.

When using sliding doors or folding & stacking doors in bedrooms, make sure to include a window in the room no matter what the size of the door opening, as you might want to lock these doors at night time for security or other reasons and still have ventilation into the room. Often designers create doors the whole length of the exterior wall of a room and this gets overlooked.

Walls

Walls can be facebrick, plastered, stone walls, stone cladded, wooden logs, tiled, aluminium panel cladded etc.
When considering the above always keep in mind the time and costs of maintenance and the construction cost. For example: Plastered walls might require painting every 3-6 years but could cost significantly less to construct that a facebrick wall which requires virtually no maintenance.
Also keep in mind, that a plastered building could be livened up after a couple of years by painting it another colour to give the house a fresh look, with most other wall finishes you will not have the opportunity to provide the house with a fresh look at the same low cost.

MATERIALS

When deciding upon a particular architectural style, consider the materials that typically accompany that style.
Factors that may influence your decision:

Colours

Heat absorption

Costs

Maintenance

Ageing

Availability in your area

Labour intensiveness

Practicality

BUILDING REGULATIONS

If designing your own house plan, make sure to obtain a copy of the South African building regulations (SABS) as many rules regarding typically: sizes, heights, fire prevention, lighting, ventilation are required to be incorporated into a design.
All our library designs were done by Architects or professional house designers and all the plans conform to all the codes as set out in the SA building regulations.

The Five Biggest Mistakes Home Owners Make When Installing a Whole House Fan

Big Mistake Number One:

Heading down to to the local hardware store and purchasing a house fan without doing the proper research first is one of the biggest mistakes a home owner can make when installing one. If you assume that you have the right size fan, the best manufacturer, or all of the information you need in order to install the whole house fan yourself, chances are you will have to call someone to correct your do-it-yourself mistakes.

Solution Number One:

Hire a electrical contractor who has a good reputation for installing whole house fans. Even though the project can be relatively small, there is a lot more to it than just cutting a hole in your ceiling and turning it on. A good qualified electrician will know: What size fan to use, whether or not you have adequate attic ventilation, where to place the fan opening, and when is the best time to use the fan to maximize its benefit.

Problem Number Two:

Installing the fan without the proper tools, right insulation, and proper placement of the main intake vent is a big mistake.

Solution Number Two:

A electric services company will always recommend a fan that comes with built in insulation. When it is cold, it is important that the fan, the fan housing, the vent opening, and the attic vents have the right insulation so that you are not losing money by escaping warming air. Also, a good licensed electrician will know that the whole house fan needs to be installed in a place that permits maximum airflow starting at the windows and into the attic.

Mistake Number Three:

Purchasing the most inexpensive attic fan from a website is definitely a really big mistake. These units are a cheap investment when compared to HVAC. The less expensive models are not insulated, have generic fan assemblies, and are very loud. The last thing you need is to hear what sounds like a rocket taking off inside your house, or a squeaky fan assembly each time the house fan is switched on.

Solution Number Three:

Go ahead and get a quality attic fan that has good reviews and low maintenance. A quick search on several consumer goods review sites will steer you in the right direction. Also, consult with your electrical contractor. They might carry a certain brand of whole house attic fan that they trust and that has a great reputation for being a quality product. Definitely do not go with a brand that has no history of past performance or good reviews by lots of people.

Mistake Number Four: (And this one is a big one)

Having an attic fan installed that is too large for the home is one of the biggest mistakes a home owner can make. If there is not proper attic ventilation, a house fan that is too large can draw all of the hot air up from the interior space and into the attic, and then push that hot air back down into the home through the ceiling lights, electrical outlets, HVAC vents, small cracks, wall switches. In fact, a fan that is too large for the house may make it hotter, not cooler.

Solution Number Four:

Before installing a house fan, consult with a electrical contractor and chose the model that is right for the house. If you don’t have enough attic ventilation, there are some simple steps that may be to provide that ventilation. A ridge vent, gable vent, soffit vent, and whirly gig are all worthwhile options for attic ventilation. A good electric services company will also work with a licensed builder who can usually add the correct attic ventilation in a about a day if there is not any in place.

Usually, a smaller whole house fan will cool a dwelling with less wasted energy than a larger fan, which is more often than not overkill. The goal with a whole house fan is balanced air flow. With constant movement of air throughout the house, it will stay cooler with less energy needed. Also, a smaller whole house fan means less installation work, which is always a bonus.

Mistake Number Five:

Using the whole house attic fan with the windows closed can cause a potentially hazardous. The whole house attic fan functions by drawing cooler air in from the exterior of the house through the open windows and pushing the warm air up into the attic where it leaves the home through the attic vents. If you close the windows, there is a great chance that air will be pulled from the diverter that is on top of the water heater or boiler. What this means is that poisonous carbon monoxide can be pushed into the living space, creating a potentially fatal situation.

Solution Number Five:

Make sure to open the windows before turning on the whole house fan! The whole house attic fan is not there to re-circulate bad stale air throughout the dwelling. Its primary function is to remove hot air from the home, and provide a less expensive, environment friendly cooling solution than HVAC. In fact, a properly installed whole house fan can cool an averaged sized house for a tenth of the cost of air conditioning.

Color Your Dream With Online Home Improvement Loan

5

In this expensive world, having a dwelling is rare! Generally, people opt for rented one. However, for those you have a home of their own and want to go for some or the other improvement have a wider choice with online home improvement loans.

Home improvement loan is taken for both interior and exterior. It can be for either roof repairs, remodeling, central heating fitted, construction of new room, getting the house painted and many more. Online home improvement loan is nothing but searching for a suitable lender through World Wide Web. This makes your search fast and convenient.

Online home improvement loan can be either secured or unsecured. Unlike other credit, the interest paid to secured online home improvement loan is tax deductible. To get tax deductibility the ownership of resident must be primary. The interest rate in secured home improvement online loan is low as it increases the equity on the home. Even the loan term is stretchable as the loan taken is secured one and come up with low monthly repayment.

Unsecured online home improvement loan do not require any collateral but requires you to fulfill some requirements relating to monthly income, employment, and residential proof. The interest rate comes bit high, as lender has no security for the loan amount.

Bad credit borrowers can go for online home improvement loan with or without placing collateral. However, in case you stick to your repayment term then your credit history is improved.

As such while going for online home improvement loan you need to be extra cautious, as the information you provide is sensitive in nature. See that the site of the lender is securely accessed. Even while making a firm decision regarding the choice of lender compare various quotes, repayable term, low monthly repayment etc. then click for online home improvement loan.
In this expensive world, having a dwelling is rare! Generally, people opt for rented one. However, for those you have a home of their own and want to go for some or the other improvement have a wider choice with online home improvement loans.

Home improvement loan is taken for both interior and exterior. It can be for either roof repairs, remodeling, central heating fitted, construction of new room, getting the house painted and many more. Online home improvement loan is nothing but searching for a suitable lender through World Wide Web. This makes your search fast and convenient.

Online home improvement loan can be either secured or unsecured. Unlike other credit, the interest paid to secured online home improvement loan is tax deductible. To get tax deductibility the ownership of resident must be primary. The interest rate in secured home improvement online loan is low as it increases the equity on the home. Even the loan term is stretchable as the loan taken is secured one and come up with low monthly repayment.

Unsecured online home improvement loan do not require any collateral but requires you to fulfill some requirements relating to monthly income, employment, and residential proof. The interest rate comes bit high, as lender has no security for the loan amount.

Bad credit borrowers can go for online home improvement loan with or without placing collateral. However, in case you stick to your repayment term then your credit history is improved.

As such while going for online home improvement loan you need to be extra cautious, as the information you provide is sensitive in nature. See that the site of the lender is securely accessed. Even while making a firm decision regarding the choice of lender compare various quotes, repayable term, low monthly repayment etc. then click for online home improvement loan.

Home Improvement Loan -Neighbor’s Envy and Owner’s Pride

Each one of us wishes to make our home look the best. Even small improvements in the home can make big changes. People undertake different home improvement projects be it for making it a better place to live or as a mere status symbol. You may have great home improvement plans in your mind. However, do you have sufficient funds with you? No, don’t look at your savings. You may have big savings in your account, but don’t use it for making home improvements, they can be used in handling any financial emergency in the future.

Why to use your own funds when you can take a loan to make home improvements? A home improvement loan can provide you with the funds you need to make the home improvements that you and your family has been eagerly waiting for.

Home improvement loan is tailored for the UK residents who wish to make improvements in their home. You can use the loan money to make specific as well as complete remodeling of your home such as heating system, new conservatory, new kitchen, rewiring or any desired home remodeling. When you will make improvements in your home, it will definitely help in increasing the value and add more equity in your home. This will help you in grabbing better and larger amount of loan in the future.

Home improvement loan providers in the UK can provide you with the loan amount up to £75,000. So, with a home improvement loan you can finance small as well as big home improvement projects. The rate of interest on the home improvement loan varies from lender to lender while the loan term may range from 3 to 25 years depending on your credit score and the amount you wish to borrow.

You get an option to apply for either a secured or an unsecured home improvement loan. Secured home improvement loan requires a borrower to put collateral against the loan. You can put your home, car or any property as a security against the loan. Advantages of secured home improvement loan are larger amount of loan, lower rate of interest, longer loan term and flexible repayment term.

Unsecured home improvement loan does not involve a borrower to put any security against the loan. Homeowners as well as tenants can apply for an unsecured home improvement loans. Homeowners by availing an unsecured home improvement loan can protect his property from the risk of repossession by the lender that happens in case a borrower fails to pay the loan money on time and in full.

Estimate the cost that will be incurred in undertaking the home improvement project before you start searching for the best home improvement loan deal. Plan in advance about whether you wish to do the improvements yourself or want to hire a contractor. If you wish to hire a contractor, you should also add his fees in the estimation of the expenses. All this will help you in determining the loan you need, to make the desired changes in your home.

Traditional lenders used to rule the finance market in the past. Lot of inconvenience was involved in the whole loan process. A borrower had to go out and meet each lender personally, fill in the long application form and stand in loan queues to submit their loan application form. And then wait for the lender’s decision, which used to take many days and sometime even weeks.

Entry of the online lenders has given a breakthrough to all the hurdles that existed in the old lending process. In the present scenario, the loan application process has been simplified for the convenience of the borrowers. A borrower just needs to fill in a small online loan application form that hardly takes 2 to 5 minutes. Fast loan approval, in-principle loan decision and low rate of interest are some of the features of online loans.

By the time you are through with the loan application process, you will start receiving lot of loan offers that you may find to be the best. Don’t hurry in making the decision, a little bit of research can help you save good sum of money that you can use in the future. Collect the loan quotes which is offered by most of the online lenders and compare them, look for the home improvement loan that is offered with the following features low rate of interest, larger loan amount, longer loan term and flexible repayment terms.

Make the required changes in your home to transform it into your dream home with a home improvement loan. A little bit of hardship on your part while searching for the best home improvement loan can help you save your hard earned pounds.

Home Improvement Tips: Ways to Increase the Value of Your Home

Reasons for A Redo

Home improvement projects often begin with someone saying, “Wouldn’t it be nice if… ?” usually followed by a wish for a remodelled kitchen or a room addition for space to accommodate every family member’s needs. More often than not, reality and dreams don’t coincide, due to limited funds for realizing the dream, or limits on the available space. The trick: turning your dreams into reality. Begin with a realistic evaluation of your needs. Homeowners usually consider home improvements for one of the following reasons.

You may feel the need to update something that is out-of-date. If your kitchen colour scheme was perfect a few decades ago but no longer works, now may a good time to update it.

Some home improvement projects grow out of an immediate need to replace broken or inefficient fixtures. If a sink, tub, or toilet needs to be replaced, consider taking advantage of the opportunity to do a makeover on the entire bathroom.

If you’re preparing to sell your home, you’ll want to be sure to get top dollar from the sale. That’s great motivation for some home improvement projects.

You have decided that staying put and improving your home is a better option than moving.

Your family has grown and you need more space.

Improving to Move? or Improving to Stay?

Evaluate your plans carefully if you’re improving your home to list it for sale. Cutting corners may hurt your prospects rather than helping them. But don’t go overboard either. Potential buyers may prefer not to pay for some of the extras, such as a hot tub or pool. You’re better off keeping the changes simple.

And remember that buyers who view your home may not share your tastes and may not appreciate the care you took to find just the right shade of green paint for the walls.

You’ll find that improving to sell is easier if you can think about it from the prospective buyer’s point of view: What is important to the home buyer? Here are a few remodelling projects buyers are likely to find valuable:

Adding or remodelling a bath

Improving the kitchen

Adding a new room

Landscaping

Adding a bedroom

Adding or enclosing a garage.

If you’re remodelling because you want to stay in your home, you should still avoid over-improving it. You’ll probably want to sell it someday, and even if your house is the best on the block, it may be difficult to convince potential buyers to pay for the things you considered important. And when you consider making improvements, keep in mind the value of other homes in the area. Your home’s value should not be more than 20% above the average, which means that a $10,000 kitchen improvement project well could be a better investment than a $10,000 hot tub, especially if yours will be the only home in the area with a hot tub.

Home Maintenance versus Home Improvements

It’s unfortunate that some home improvement projects are undertaken because something has broken. Replacing a leaky bathtub may be the first step to a major bath remodeling: since the tub has to be replaced anyway, why not do the whole room?

While that might be a legitimate reason to remodel, avoid basing your home improvement projects on immediate needs. You’ll be better off if you minimize problems with proper maintenance. Examine every part of your home at least once a year. Check the roof, the plumbing, electrical wiring, etc. As soon as become aware of a problem, fix it. Making repairs when you’re first aware of them will help you avoid larger expenses later on. Keep in mind that maintenance does not add to the value of your home. Usually repairs are not improvements; they are necessities.

Hiring Professionals May Save You Time and Money

It should go without saying that home projects can be expensive, so you may be tempted to tackle them yourself as a way to save money. That may be a smart move for small projects. You won’t have to wait for someone to fit your house into their busy schedule, and you can boast about having done the work yourself.

But unless you’re very versatile, major home improvements are better left to professionals. If you decide to remodel the kitchen and plan to do the work yourself, will you be able to handle the plumbing, electrical, and carpentry work on your own?. And don’t forget that you’ll need to finish it quickly, because you won’t have a kitchen as long as it’s a “work in process” and eating three meals a day in restaurants could get expensive. Keep in mind, do-it-yourself jobs generally take more time. And you’ll be responsible for getting all the necessary permits and inspections.

Hiring people who have the required experience can save you money and time, too. For example, these professionals can help you get a custom look using stock products, and that can be a significant savings. Getting something done right the first time will give you value that lasts for years.

To find qualified and dependable home improvement specialists, check with friends, business associates, and neighbours for recommendations. Always get at least three references, and check them out thoroughly. Also check with the local chapter of the Better Business Bureau or Chamber of Commerce. Their numbers can be found in the community services section of your telephone book.

Once you’ve located the necessary home improvement specialists, make sure everyone is in agreement about the design, the schedule, and the budget, and get the details down in writing in a signed contract.

It’s also wise to check on professional certifications and licenses, where required, and be certain that the contractors you hire are fully insured and bonded. Your town or city Building Department can provide that information. And it’s very important that you make sure contractors carry workers’ compensation insurance: if workers are injured on the job, you won’t be liable if the contractor is covered. Request copies of their insurance certificates. And make sure that either you or your contractor have gotten any necessary permits before the work begins. Contact your local Planning and Zoning Commission for information.

Here’s a quick overview of some of the professionals you may need to work with when you remodel your home:

Architect: Architects design homes or additions from the foundation to the roof. If your project will require structural changes such as adding or removing walls, or if the design is complex, you will probably need an architect. Since architects may charge an hourly or a flat fee, make sure you get an estimate of the total cost: drawing up the plans for a major remodeling project can take 80 hours or more.

Contractor: The contractor oversees the home improvement project, including hiring and supervising workers, getting the necessary permits, making sure inspections are done as needed, and providing insurance for work crews. It’s always a good idea to get proposals from one or more reputable contractors, based on the specific details of your project.

Be sure each contractor bids on exactly the same plan so that you can compare their bids more easily. When you’ve chosen a contractor, make sure the contract specifies that you will pay in stages. You’ll usually pay one third when the contract is signed so that the contractor can buy supplies. The number and timing for making the remaining payments will depend on the size of the project. Do not make the final payment until all the work is successfully completed, inspected, and approved.

Remodel Your House the Way You Please with a Home Improvement Loan

Good homes are still the best source of good humans. And to retain this goodness and beauty most of us go for home improvements which includes both major and minor changes. You might be looking for a kitchen renovation or a room extension. You might also be planning for painting walls, flooring, adding new fixtures to kitchen and bathrooms, installing heating and air conditioning systems, creating an additional room, and much more. Whatever be your plan or requirements, a home improvement requires its own share of expenses. But, rarely do we have the required finance to materialize our dream of improving our home as per our requirements and plans. In such as situation Home Improvement Loans come in handy. Home Improvement Loans are specially crafted to renovate your house the way you please.

Millions of home owners in UK undertake home improvement projects every year. Home Improvement Loans not only helps you to materialize your plans of home improvement the way you please but it also increases the resale value of your house. The interest that you pay on a Home Improvement Loan is justifiably adjusted by the increase in the value of your house. However, it is advisable for you to make sure that the amount you spend on home improvement does not exceed the increase in the value of your house.

Generally, Home Improvement Loans allow you to borrow from £5,000 to £75,000 with low monthly repayments. The loan can be repaid over any term between 5 and 25 years, depending on your affordability and the security against the loan.

Like most other types of loans Home Improvement Loans can also be broadly classified into two types: Secured Home Improvement Loans and Unsecured Home Improvement Loans. A Secured Home Improvement Loan which requires your property as collateral generally offers lower interest rates as compared to unsecured ones. An unsecured loan for home improvement in UK will be ideal for projects costing £10,000 or less. The amount you will be allowed to borrow generally depends on the lender’s terms and policies and the amount of equity in your property. Choose judiciously while improving home and taking money against it. Before applying please make sure to understand the repayment terms as this will help you to avoid the risk of repossession of your home. Home Improvement Loans can act as the best resort if used properly.

Avail Home Improvement Loans – Be a Proud Homeowner in UK

Are you thinking about improving your home? But short-off cash? Don’t be depressed. You can fulfill your wish with home improvement loans, a custom-made facility for the UK home owners.

As the name suggests, home improvement loans are served to the UK people mainly for improving their home. Purposes of using home improvement loans could be major or minor. Some common purposes are like:

o Expanding home by adding of new rooms

o Landscaping garden

o Renovating and refurnishing home

o Making garage

o Repairing

However, home improvement loans are provided both in: secured and unsecured form. Secured home improvement loans are available against collateral that is kept with lenders unless the amount is not repaid. As collateral, you can use your home or other real estate, car or other valuable objects. Whereas, no collateral is required to avail unsecured home improvement loans. And for that, these loans are the best option for tenants and for them, who don’t want to use their property as collateral.

Most of the time, borrowers in the UK like to opt for secured home improvement loans, since these loans are bedecked with low interest rate facility. You can borrow the amount ranged from £ 5,000 to £ 75,000 for home improvement. The duration of repayment period could be anything from 5-25years, but normally it depends on loan amount, income and the value of equity in the property.

Whereas, unsecured home improvements loans are offered with a relatively high rate of interest. Though by shopping around for the best deal, a borrower in the UK can get unsecured home improvement loan with comparatively low rate of interest rate. With these loans one can borrow amount that could be anything from £ 5,000 to £ 25,000.

But at the same time, individuals are advised to apply for the amount that is convenient for them to repay. In case, if any borrower fails to pay-off a secured home improvement loans, then his property that he has used as collateral will be repossessed by the lender. Though, such kind of risk is absent in unsecured home improvement loans, but in that case the lender can take proper legal action against the borrower.

These days, in the UK many lending organizations are providing home improvement loans. Hence, it is not tough to find a loan for those people, who have had bad credit history, like CCJ’s, IVA’s, Defaults, Bankruptcy. They only need to know what their credit score is.

Home is a serene shelter of comfort and luxury. Thus, all of us want to make it more elegant and sumptuous. But it is not possible for all, as we are bound with our financial constrains. Now, with home improvement loans, any borrower in the UK can make their dreams come true.

Home Improvement Tips

Whether you are planning to put your home on the market or make it more comfortable to live in, there is a lot to be gained from making home improvements.

Improvements in your home could involve:

- Repairs of already existing structures,

- Remodeling certain parts of the home to give them a facelift,

- Making additions to your home to improve quality of life,

- Home improvement projects in order to make a house more energy efficient or environment-friendly.

To decide on a home improvement project can seem pretty daunting. But armed with a few handy home improvement tips, you could be well on your way to the ideal home of your dreams. Most of these tips are easy to follow and will make deciding on home improvement projects a breeze for you.

- Before deciding on a home improvement project, you have to decide exactly why you think your home needs it, how much you should be spending on it, and what is the result you would be satisfied with.

- The first home improvements you should consider are repair moves. Attend to any ceiling repair problems, the plumbing job you have been putting off or that attic insulation that has become necessary. This holds true whether you are planning to live in the home yourself, put it on rent, or put the home on sale.

- Remodeling your kitchen or bathroom is a smart home improvement move if you are planning to put your home on sale. This increases the value of the home immediately, and if researched properly, can be done with very little investment.

- Home improvement projects that involve remodeling need to be well thought out, so that they do not look out of place in the house. They are usually done to improve lighting, provide more space or glamorize the home. Remodeling a home can also mean an improvement in the atmosphere. For instance, if a kitchen wall is broken down to create an open kitchen, it immediately makes the home more friendly and sociable.

- Making additions to a home like adding a deck, a pool, or an outdoor storage area are usually the result of what the family needs, but could also be excellent selling points if the home goes up for sale some day. Additions to the home should be considered as home improvement projects if there is extra outdoor space which by itself does not improve the value of the home. A good tip for an improvement in the exterior spaces of the home is also to consider the neighborhood and only make changes and additions that would blend in.

- Helping a home improve its energy efficiency is also a great idea for a householder, because not only does it cut down on the electricity and gas bills, it is a great thing to do for the environment. Improvement in the insulation of the home can be a long-term blessing. Investing on a home so that it at least partially harvests solar energy could be another way of improving the home for posterity.

It is obvious that home improvement projects should not be carried out on a whim. It is essential to evaluate why a specific home improvement project is required, and what would be gained from the investment. While home improvements that involve repair increase the comfort in the home and its longevity and are therefore essential, all other sorts of home improvement need to be carefully evaluated before embarking on them.