When your house is no longer feeling like your dream home, you might start thinking about upping sticks and moving. But quite apart from the actual cost of your new house, there are a number of other costs to consider when planning your move. Is it always better to move or when you do the maths is maybe just staying put and getting the lovely Bolton builders at Wisecraft to extend, convert or renovate your home until you and your house are back in a loving relationship a better idea?
So what are some of the average costs involved in moving house?
Deposit – this is usually between 5%-20% of the total cost of your new home and can either come from savings or from any equity raised from selling your current property.
Stamp Duty – this is a government tax paid on properties costing more than £125,000. The rates vary from between 2% and 12% of the purchase price depending on how much your new house costs. There is also an additional tax of 3% to pay on any second homes or buy-to-let properties.
Valuation Fee – this is charged by your mortgage lender to assess the amount that they are willing to lend you; it is typically between £150 and £1,500, although some mortgage companies do not charge you this at all.
Survey – these can vary in extensiveness and thus can cost anywhere between £250 and £750 depending on whether you get a basic home condition survey or a full structural survey.
Legal Fees – buying and selling a home is not something that you can do yourself so you must instruct a solicitor or licenced conveyancer to carry out all of the legal work for you. Legal fees are typically around £500-£1500 and on top of this there will be a charge for local searches to check for any planning issues of approximately £250-£300.
Electronic Transfer Fee – it will cost approx. £40-£50 to electronically transfer the cost of the house from the mortgage lender to the solicitor.
Estate Agent’s Fees – these are only paid by the seller and typically cost around 1%-3% of the sale price plus 20% VAT. In some cases cheaper prices can be found by using online only estate agencies etc.
Removal Costs – of course it may be possible to do this yourself, however it can be extremely hard work and time consuming. Removal costs, of course, vary with the amount to be moved and the distance, and can be anywhere between £500 and £3000.
To get a more accurate idea of your specific home move costs, there are some great calculators at Money Supermarket and Rightmove. But if it all seems like too much hassle why not get the lovely people at Wisecraft Ltd Bolton to come a give you a lovely free no obligation quote to transform your current house back into your dream home?
In this uncertain post-Brexit housing market many people are choosing to improve their homes,rather than facing the perils of moving. Whether it is a loft conversion, garage conversion or a home extension, making sure than you plan your project properly can mean the difference between your dream house and a disaster. So what are some of the most important things to take into account when planning your extension?
There is no point in embarking on a project that you can’t afford to finish, so the first step in any project is finding out realistically how much you can afford to spend and then ensuring that your project is actually affordable at that budget. Nearly all projects will have some form of unexpected expenses so ensure that you also include at least 10% of your budget for contingency
Do you want some extra living space, an extra bedroom, a home office or to solve your home’s bad layout problems? The answer to this question will then determine what type of project you need to undertake.
According to the rules of permissive development, not all home alterations require planning permission. However it is important to be entirely sure whether or not you need to acquire planning permission before you start any project. Lots of information can often be found on your local council’s website, but it is always worth consulting with an expert who can actually look at your property before making a decision.
We have seen too many homes ruined by badly designed extensions, so it is essential that you are completely happy with the design before you start. It is sometimes possible to make alterations during the build process; however this inevitably adds to the cost and can sometimes end up with a compromised design. It may be worth employing the services of an architect, who are experts in building design, or some experienced building firms will also have high levels of design experience.
All building projects take time, especially large ones, so set a realistic timetable with your builders before you start, and then plan when you are going to commence. It is worth considering the time of the year, planned holidays and family occasions for which you are going to need full use of your house and then set a start date that will fit around these.
For more information about planning your dream extension contact the experts at Wisecraft Builders Bolton. today.
There’s no point in spending time and money on the rest of your house if you roof is not doing what it’s supposed to be doing and keeping the water out. Starting from the top down is one of the most often used practices in building for a reason – it’s the right way to do things! So a leaky roof is something that you need to get onto and get fixed as soon as possible. But don’t worry, often the causes of roof leaks are surprisingly quick and easy to fix.
Broken or slipped roof tiles or slates
One of the most obvious and most common causes of roof leaks is when the tiles or slates that cover the roof have become damaged or dislodged. Once this happens water can then easily breach the roof and will drain directly into your house causing a leak. Depending on the extent of the damage, this can often be a relatively easy repair, when placed in the hands of the experts, such as those jolly clever Bolton builders of Wisecraft Ltd. Although be warned that the longer you leave it the worse the damage will inevitably get and the more it will cost you to repair.
Many people don’t actually realise that your roof is made up of more than just tiles or slates. In fact, underneath these is a membrane known as the underlay. In the case of very strong winds it can be possible that rain is forced through any gaps or underneath the tiles. Initially the underlay will collect this water and cause it to travel down towards the guttering, but over time and with continued exposure to water, the underlay may begin to rot which can lead to a leak.
Unfortunately flashing is the name of the areas of lead (or other metal) that cover the joins between different areas of your roof, and nothing to do with funky disco lights! If flashing is installed and functioning effectively then it will ensure that water does not seep through any gaps between your tiled areas. However even a small area of damaged flashing can have a surprisingly serious effect, so ensure that you catch the problem soon and that a reputable expert is employed to repair it.
From the ground you may not be able to see if your gutters are full of leaves and moss, but if they are then water may end up pooling at the edge of your roof, rather than running off effectively. As it is stationary, water will naturally find the path of least resistance and may end up working its way into your roof or walls through any small gaps or cracks. However a simple cleaning of your gutters can easily remedy this.
To find out more about ensuring that your roof is in tip top condition, contact the friendly expert builders at Wisecraft Ltd today.