Can you get a Larger Mortgage for Renovations

" As soon as you have determined the amount and type of work to be done, you will have to invest almost as much of your budget in design and construction as in the refurbishment itself. According to Miguel Sard, Santander Insurance UK CEO, "This is the traditional holiday period when home owners take care of their home decoration or important repair work.

" However, for some renovation projects, the legislation will take this from you. Even with interior renovations, such as new stairwells or the demolition of partitions, the construction rules must be observed. However, if your real estate is a lease, even if the construction permit has been issued and the construction rules are followed, you still need to get the go-ahead from the owner before you can carry out larger renovations.

Santander Insurances UK also found that almost one in five (18%) UK house owners has been the victims of slovenly labourers who have done an averaging £1,592 per failed post. As Brian Berry, FMB's Director of Foreign Relations, says: "All our members have had to provide six credentials and all have to take out third party indemnity cover if anything goes bad.

They must obtain a construction permit unless the amount of rooftop area is less than 40 square meters for row homes or 50 square meters for semi-detached and single-family homes. Ensure that all material complies with construction codes. As of October 2008, construction permits are no longer needed for the renovation of garages as long as they remain single-storey and no further plot of ground is used.

As of 2005, all permanent electric installations in the house must comply with the construction rules, i.e. be performed by a licensed electrician.