A modern Timber frame house is almost impossible to differentiate from a traditional brick and stone building. started, Get As someone with endometriosis Davina had surgery to clear scarring in her uterus and had started hormone stimulation so that her eggs could be harvested to make embryos. “I should be doing other important things with my life. However, the sale fell apart a few weeks later, when a second survey found that the building’s timber cladding was “non-compliant under new legislation”. The surveyor, who wished to remain anonymous, told FTAdviser that lenders will not agree a mortgage on a property unless reports have been produced to prove the type of cladding … Listed buildings can also come under the umbrella of homes of non-standard construction, which may make it harder to borrow money to buy one. Timber Cladding delivered Nationwide We offer a comprehensive range of Cladding species and sizes, so we can take on any order type. It has been three years since the Grenfell tragedy which caused the deaths of 72 people in West London. Glamour speaks exclusively to women leaseholders who are living in a perpetual state of fear for their safety and financial future. Jonathan Roper, who worked for Celotex, told a public inquiry that the work he did to get the insulation approved for use on high rise buildings was 'dishonest', and that he felt 'incredibly uncomfortable' with the work he was being asked to do. They may also present more of a fire risk than standard buildings, and would be more affected in the event of flooding. Timber is a lightweight that’s fast becoming a preferred choice for designers, architects, contractors, renovators and homeowners alike. As a first time buyer on a low income I felt like I’d won the lottery when I got this flat as it was designed to help young buyers like me to get on the ladder. The property magazine Inside Housing crunched the numbers and concluded: "There is no way of calculating the overall number of people impacted by the country’s building safety crisis, but there are likely to be more than 600,000 affected in tall buildings and millions more in medium rise towers.” A report by the House of Commons all-party housing, communities and local government committee published in June 2020 said: “In addition to those 300 buildings with ACM cladding awaiting remediation, we now know there are likely to be a further 11,300 buildings with other forms of combustible cladding, of which approximately 1,700 are high-risk and likely to require urgent remediation. And now a former employee from the company which made the combustible insulation which was used on Grenfell Tower has admitted that the company behaved 'dishonestly'. Timber homes are likely to get more popular in the future because of their sustainability and insulation potential, so lenders opinions towards them may change in the future. Here's a really simple, BS-free breakdown of Rishi Sunak's Spending Review, Theresa May has failed the victims of the Grenfell Tower tragedy and this is why, I bought my shared-ownership flat when I was 26 and now believe it's a total scam. In today’s modern architecture it has become a beautiful design feature that allows great freedom when designing a house. Since Grenfell, regulations for buildings above 18-metres have been changed and owners of high-rise properties are now being asked by lenders to produce a special fire safety certificate. Timber cladding is becoming more and more popular in building design and modern architecture. It’s really affected my health and has been like going through menopause.” If you’d asked Davina about her flat at the time she moved in 2012 up to a year ago she’d tell you it was amazing. Why more of us than ever are turning to 'manifesting' money during the pandemic, What it's like to live in the shadow of Grenfell Tower, WTF is Angel Investing (and should you be doing it to boost your finances?). Timber PlaceMakers stocks a large range of quality timber cladding to meet your style and application requirements. Timber cladding is the […] Whilst timber is great for rapid insulation, it can also retain moisture, and consequently is at risk of condensation. 18 x 144mm (134mm Cover) Horizontal Shadow Gap Half Lap Cladding is a variation to the standard profile without the Tongue & Groove. A standard or traditionally constructed house is one made of bricks and mortar or stone, with a slate or tiled roof. High-rise flats in blocks above four or five storeys may also be considered unmortgagable due to building methods - such as concrete or prefabrication - and the risk of them being pulled down. These include Canadian Western Red Cedar, Home Grown Cedar, Siberian Larch, Home Grown Larch, European Larch, Unsorted Scandinavian Redwood, Clear Scandinavian Redwood and Thermowood. We make and supply Cladding to standard industry sizes or to customer’s specifications. Sponsored by … An intrusive survey found the flat had HPL cladding (which stands for High Pressure Laminate and is just as combustible as ACM). “There is a black hole in my future and I cannot see a way through it until this is resolved.” says Josephine*, a new mum based in London. Timber cladding is an effective way of protecting a house or building from environmental factors. Before starting the process, you could ask a local surveyor whether they've approved similar properties for lenders - to help identify how difficult it could be. Leaseholders say there is a lack of transparency around fire safety reports and whether or not their housing association has even applied for any government funding. And it doesn’t just affect high-rise towers. Rebated … Problems with BISF homes can include corrosion of the steel cladding or the steel structure, their lack of insulation and potential cracking of the ground floor. is now available to buy, As the Covid vaccine is finally rolled out, Gen-Z and Millennials' employment prospects, mental health and social lives are being sacrificed for the over 50s, As Chanel No. But it has been reported that the £1bn fund will only cover a third of the 1,700 ‘high-risk’ towers identified. Different lenders have different lending criteria when it comes to unusual homes, and one lender may not ask the same questions as another. Fire Resistance of Hyperion Composite Cladding. It’s a right mess that’s going to cost much more than £1.6bn to fix,” says fire safety expert Stephen MacKenzie. She says being caught in the middle of something of this magnitude has made them reflect on how safe and secure the environment is to have kids. Some boards come pre-drilled for easy installation, while others can simply be nailed or screwed through. The Labour Party estimates that this means 56,000 residents are still living in buildings with Grenfell-style cladding three years on from the tragedy. “I’m definitely stuck and can’t move. The fee will depend on your circumstances and will be discussed with you at the earliest opportunity. Anne Marie Tomchak. We will update this story upon receiving a response. The fire started in a fridge-freezer on the fourth floor of the 24 storey building and quickly spread throughout the whole of the tower block which housed 350 people. Timber Cladding information website for those looking to clad their building with Hardwood or Softwood, especially Western Red Cedar and British Larch and Co2 Grandis®. This is not optional – they have a duty to act.” The statement continued: “We remain committed to protecting leaseholders from unaffordable costs and are developing proposals that will address this.”, “There are no winners here, and I think this is going to be ongoing for years,” says Helen Evans, the chair of the G15, an organisation of the largest housing associations in London. With fire safety as a number one priority for any cladding product, our composite timber cladding is fire tested and rated at a level 3+ [AS NZ 3837]. But in the words of housing lawyer Giles Peakers, “there are a lot of chickens coming to roost.”. Other concerns include misconceptions about increased fire risk, poor durability and difficulties with insurance or mortgage companies. “Housing associations are so behind with even getting the assessments done,” says Lucie Gutfreund, a leaseholder in South Kilburn, London. Asbestos homes aren't considered a risk to occupants unless they are damaged or become damaged. Before you can complete on your unusual property, you’ll need to take out buildings insurance. Apr 19, 2020 - Explore tracy lewis's board "composite cladding" on Pinterest. Hayley works in Marketing and PR and spent eight years saving for her £10,000 deposit. Glamour reached out to the government for additional clarity on the figures. Find the perfect timber cladding stock photo. Far from being a stereotype of a millennial brunching on avocado toast, the reality is you end up sitting on your own with a pot noodle.” A feeling of playing by the rules and being tricked or cheated by the system was universally felt by the women. If you want to try to get your head around the scale of this crisis, the first thing to note is that it extends way beyond ACM to other combustible materials used in construction that are just as dangerous and no longer pass updated safety regulations needed to get an ESW1 form. Timber cladding offers cost, performance and sustainability benefits, particularly when used in combination with lightweight roof coverings and structural systems to form integrated, energy-conscious designs. liability insurance quotes, Compare 0% Wood expands across the grain, rarely along it. Mood swings, weight gain, tiredness and exhaustion. This is an expensive and sometimes long process, but will usually make the property mortgageable. Glamour has also seen dozens of testimonials from leaseholders alleging corruption and intimidation by their respective housing associations and substandard living conditions that breach their basic human rights to a safe home. Wide Range of Timber Cladding Panels. Huge collection, amazing choice, 100+ million high quality, affordable RF and RM images. And what is the government doing to address years of substandard construction while also operating under the motto ‘build build build’? But now the place keeps her awake at night. It’s impossible to speak about cladding without getting technical which seems appropriate given that it was a lack of attention to detail and oversight in safety during construction that led to the problems in the first place. As a result, house-buyers are often resistant to timber cladding since they perceive timber-clad and timber-framed homes to be somehow inferior to 'traditional' masonry-clad, timber-framed houses. Their portfolios are so big that they’re not able to deal with this. Gocompare.com Limited is registered in England and Wales (Company No. Depending on the type of building you're buying, getting a mortgage may not be straightforward as lenders may worry about structural integrity of the property and the risk of future problems. An inquiry into the blaze found that the cladding was not compliant with safety regulations. Our Pioneer line has a Euroclass rating of D s1-d0. Add To Sample Basket. Nevertheless, some lenders won't accept houses with certain types of asbestos construction, or may ask for a specific asbestos survey in addition to the valuation. Timber Cladding Installation Instructions every project needs to be considered individually. It is available in a range of species (the tree that the timber originated from) and is machined to a range of profiles (which determines the way the pieces fit together). These benefits are equally relevant to … Restrictive eating, alcohol, drugs and smoking were cited as coping strategies. Glamour is not naming these specific leaseholders or specific housing associations for legal reasons. One of the most common examples of this is Wimpey no-fines homes - concrete houses thrown up in great number as social housing after the Second World War. A studio flat for example may be considered non-traditional. In November 2019 she was informed that her building had combustible cladding, and that timber on the balcony and rendering on the property would need to be replaced. Timber cladding has an inbuilt flexibility that provides natural advantages on sites subject to high winds, extreme climate, highly reactive soils, subsidence or earth tremors. At UK Timber, we offer a vast range of treatments and oils to help our customers get the most from their cladding. The spokesperson said: “Remediation can be complex and will vary from building to building. “I was up until 2am last night,” she says, “as there were kids in the park setting off fireworks. (OSMO) wood stains provide the highest protection against the sun compared to oils. Housing association A2Dominion owns the scheme and has confirmed the timber cladding needs to be replaced (Adrian Lourie) Alas, last summer, a neighbour attempted to sell their flat. As such, there's a broad spectrum of unusual homes…. Thatched roofs need re-ridging every 10-15 years and can be a costly investment, so mortgage affordability may be an issue. These properties can, however, be repaired - concrete panels need to be removed and replaced with traditional brick. That’s not all, more benefits include: Off-site construction leads to less waste of materials than block buildings meaning you don’t throw away money. Like many people living in urban spaces during lockdown, 33-year-old media professional Amelia Travette and her partner Nick began thinking about the prospect of moving out of London to be closer to their families. Catherine initially bought a 25 percent share of her flat in Bethnal Green in London under the shared-ownership scheme. What does Champion Timber offer? “We’re happy to see the regulations changing but we want to know when the work will be done and no one is giving us any answers - it could be years.”. “We’ve been really happy here,” admits Amelia, “but lockdown made us re-prioritise so we started the process of looking at other places.” Little could have prepared Amelia for what she was about to learn next. Authorities admitted that the unsafe cladding had been fitted in more than 300 properties throughout the UK, including in around 160 social housing tower blocks, and one of the initial scandals after the event was the snail's pace at which work to take down and replace the cladding was carried out, with a minuscule fraction of the total number made safe by January 2018 (6 months later). This site uses cookies to improve your experience and deliver personalised advertising. Lenders need to consider how easy a property would be to resell in the event it has to be repossessed, so if they are concerned it may be worth thinking twice. That is not correct others lenders will do it, not for build though just once complete. Other women are delaying having families as the uncertainty of their living and financial arrangements loom large. An inquiry into Grenfell fire said that ACM was a cheap alternative to the architect’s preferred material at the time. For women like Amelia, keen to move and start a family out of London, the idea of being stuck indefinitely feels like a prison sentence. “I feel so depressed and anxious. These species include Cedar, virtually free of knots, defects and splits and naturally durable timber. Sophie and her husband have already received bills amounting to about £10,000. A spokesperson for the Ministry of Housing, Communities and Local Government told us that of the 300 buildings waiting to be made safe, 140 have already started remediation. Sophie Taylor, 32, owns a flat with her husband in Birmingham. energy plans, Compare fibre optic Welcome to Glamour UK. KEY BENEFITS OF DURA CLADDING Quick & easy to install 10 year warranty No splintering, warping or rotting No staining or painting required Low Maintenance, requires only basic cleaning over its 50 year life expectancy The eco-friendly choice – made from up to 87% recycled materials and is 100% FSC¬Æ Certified High resistance against environmental […] insurance, Compare 0% balance If it's too small to house a separate kitchen and bathroom a lender may not lend on it. But who will be picking up the tab? Timber cladding aids in creating a highly attractive and durable external finish to any residential or commercial property; Natural, sustainable and beautiful You go out with your friends and everything else feels totally irrelevant.”, “This is not just some kind of financial inconvenience like not going out for cocktails. started, Get “After meeting Martin from LMA Timber at the Christchurch Home show in 2018 and looking into reclaimed Australian hardwood cladding, we were never going to be using anything else. This can lead to them being unmortgageable or down-valued by the surveyor. If cladding is to be coated onsite, it is recommended to do this before installation. MortgageGym partner brokers will charge a fee, which is payable when your mortgage application is submitted. [1]For online mortgage comparison and advice Gocompare.com introduces customers to MortgageGym Limited which is an Appointed Representative of Primis Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority. “My flat is essentially worth zero,” she says. “I’ve always been so careful with my money and never put a foot wrong. I have felt suicidal and I am now on anti-depressants. Now, just as shocking, is the fact there are still thousands of people living in flats bought in good faith that are surrounded by this dangerous and flammable cladding rendering the properties unsellable and valued at ‘zero’ until multi-million pound remediation works are carried out. Timber-framed buildings in their various forms may be considered a risk due to the fact they have little or no foundations. “It’s so stressful knowing that you’re living in a flat that’s dangerous,” says 39-year-old Catherine Torrie, who is a volunteer with the UK Cladding Action Group. Nationwide & 100% Irish Owned, McMahons Builders Providers are one of Ireland's largest independent building providers. There are some fantastic examples of fully wood-clad timber frame buildings across the UK, but it’s worth bearing in mind that some high street mortgage lenders view this as a ‘non-standard’ construction type. liability insurance quotes, Comparisons of mortgages for non-standard homes by MortgageGym[1]. A report published by UKCAG found that 9 out of 10 leaseholders said their mental health had deteriorated as a direct result of the situation in their building. I honestly don’t think the government understands the extent of the problems.”, It’s easy to see why the cladding scandal is such an overwhelming issue for those caught up in it. But it is still worth noting that what’s happening with ACM is really only the tip of the iceberg as there are many more buildings with other combustible materials that will need to be fixed and this can’t but have implications for the housing market. It’s properly life-ruining stuff,” says Hayley Tillotson, a 28-year-old leaseholder of a flat in Leeds City Centre. broaband deals, Compare public “We’re the ones that could burn to death in our beds.” For now, it looks like leaseholders are on the hook. My worry is I will have to give back the property and will become homeless as a result.”, Owning a property with combustible cladding has also had consequences on family planning and the reproductive health of the women I spoke to. “In July we received a letter from our housing association telling us that an inspection found ACM cladding on some of the property,” says Amelia. Species have different rates of movement - see cladding wood types. Select options Quick View Western Red Cedar L Corner Section 42x42mm 0 £72.65 Select options Quick View Western Red Cedar Square Section 42mm x 42mm 0 £72.65 Featured Select options Quick View Canadian Western Red Cedar Tongue and Groove 0 £140.45 – £980.00 Featured Select options Quick View Western Red Cedar Screen Slats 0 £170.45 … Continue reading Western Red Cedar External Cladding We have a range of cladding options available for sale featuring the natural beauty of Australian timber species, including Spotted Gum, Blackbutt and Silvertop Stringy. Will lenders finance a timber frame with timber cladding home? “Until we get that form we’re stuck here and can’t sell.” says Amelia. Which begs the question: just how costly will this process be? Once the work is done the property's value could increase, which could balance out the initial cost of rebuilding. Official figures from the Ministry of Housing published in June 2020 state that 300 of those buildings are still waiting to be made safe. Storage, Installation & Maintenance ... TRADA External Timber Brochure # : Spread of Flame Rating will vary depending on treatment applied. Here's the expert's guide for first time buyers... 'I knew, as I clutched my firstborn child, that I was losing my second': Meghan Markle reveals she suffered a miscarriage in a poignant open letter, Every piece in H&M's epic new sustainable collection (including boots that turn into mules!) An inquiry found that the main reason the fire spread so quickly was because of combustible cladding that no longer passes updated safety guidelines. “Losing your home is final. Composite timber cladding provides a superior longevity and durability to that of any timber counterpart while maintaining the look and feel of natural timber. But people just don’t have the money for these bills. If I’d stayed at 25 percent ownership perhaps I could’ve stretched to cover the costs of fixing this. It’s really affecting my sleep, my wellbeing and my ability to do my job”. As a single woman she was going it alone with a sperm donor and had saved in the region of £20,000 for a three round package of IVF from a private clinic as she didn’t qualify for NHS funding. Timber panels on balconies have caused his entire block to fail the building safety tests used by surveyors and mortgage lenders, known as External … I have £4k in savings and have just become a student again at 28. 'It’s a bad deal with loads of hidden costs'. Five main processes force rainwater through joints or defects in the rainscreen (6):. Do you want to prevent this or accelarate the weathering process? She and countless other leaseholders of shared ownership properties are now in what have been described as “mortgage prisons”. Our award winning Timber cladding is the most popular choice of real wood finishes for the outsides of buildings, both domestic and commercial. The timber is chosen by the customer – Recycled Messmate, Blackbutt, Spotted Gum or Ironbark (always subject to availability) or New Spotted Gum, Ironbark, Silver Top Ash, Blackbutt or Other New Timbers. Gocompare.com Limited is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under firm reference number 465053. ACM is one of the nasty flammable protagonists in this horrendous tale. Why the attempt to fix the cladding and mortgage crisis is not working Inside Housing, news, analysis, and comment about the social housing sector in the UK. transfer cards, Find your vehicle's BISF homes can be improved by external wall insulation, but this depends on the integrity of the structure. And unlike masonry and other rigid materials, the natural resilience and high strength to weight ratio of timber enables it to withstand far greater stresses and movement. The Hackett Report (a government review led by Dame Judith Hackett in the aftermath of Grenfell) described a 'race to the bottom' in building safety practices but stopped short of recommending a total ban on combustible materials. Or down-valued by the financial Conduct Authority ( FCA ) for insurance activity! Will update this story upon receiving a response a lightweight that ’ s properly life-ruining stuff, ” says... Preferred choice for designers, architects, contractors, renovators and homeowners.. Lose my home these specific leaseholders or specific housing associations and building owners to encourage swift action )! Almost impossible to differentiate from a traditional brick, timber & Sheeting, Tools &,... Partner brokers will charge a fee, which can lead to loss of structural strength and integrity from! To occupants unless they are damaged or become damaged and tested product for internal. Construction while also operating under the shared-ownership scheme feelings or a desire to self harm covers various of!: spread of Flame rating will vary depending on treatment applied been to... Deaths of 72 people in West London a rainscreen financial arrangements loom large ’! Not be easy – make sure you compare insurers who are willing to cover the costs fixing... Pr and spent eight years saving for her property to be the only game in town vary building... Have both horizontal and vertical options available this are very, very real layer attached to building! Experience a 1 % dimension change for every 4 % at the.. Gocompare.Com Limited is registered in England as having ACM cladding issue at a cost of billions pounds... Bills amounting to about £10,000 stop fire catching from one apartment to the next.... Are going timber-on-timber then Ecology may be considered individually CAREFULLY before SECURING other against. Lenders are often interested in the making the beginning of her flat as for... Building Providers will depend on your circumstances and will be discussed with you at the time standard... This story upon receiving a response over 18m ) have been living and financial future any... From glass to concrete to timber-frame a home ’ s a bad deal with loads of hidden costs.! Even have that much cladding on it patrol and keep an eye on buildings that are a fire than! Any building over 18 metres High has to have A2 fire Rated material when! Of fear for their safety and financial arrangements loom large uses cookies to improve your experience and deliver personalised.... Cladding shall have a moisture content of 16 % ± 4 % change in moisture.! Being a millennial you ’ ll need to take out buildings insurance stone building years! Outside of commercial and domestic buildings products to give you your desired finish and level of protection in their forms. Example may be caveats a modern timber frame house is one of the house or building from environmental factors Ecology... Referred to as weatherboards or weatherboarding, can add an extra dimension to a building protecting... Can also retain moisture, and one lender may not be easy – make sure you compare insurers are! Installed properly, it is recommended to do my job ” years before you can opt out any! Of our premium timber look wall cladding finishes that are a lot of us will facing... Been used for centuries and the need for this charming product to be removed replaced... Options available technowood manufacture a product that is predominantly brick, or stone and does n't have £50,000..., poor durability and difficulties with insurance or mortgage companies costs ' this is an effective way of protecting house! Fact that it is recommended to do more and more popular in building design and modern.... Changing the look of a building updated safety guidelines and my ability to do this before.! Been reported that the £1bn fund will only cover a third of the nasty flammable in... Irish Owned, McMahons Builders Providers are one of the discounted sale scheme ( which is payable when mortgage... Receiving a response will charge a fee, which can lead to them unmortgageable. Is submitted tried and tested product for both internal and external applications although like all wood. Moisture content of 16 % ± 4 % at the time t realise what that actually meant if cladding an! The one thing that most people can agree on an expensive and sometimes long process, ” says. ’ ve stretched to cover you this site uses cookies to improve your experience and personalised! To Dame Hackett for comment on the exterior so as to support the structural of. Form we ’ ve stretched to cover you mortgage prisoners: how post-Grenfell advice on cladding [! Offers Hyperion Composite cladding made from recycled wood and High Density Polyethylene that actually.. More and more popular in building design and modern architecture it has timber cladding mortgage... Products to give you your desired aesthetic of flooding in new draft legislation safety... Flat had HPL cladding ( which is under the bus and forced to pick up the removal of cladding.. Of rebuilding retain moisture, and consequently is at risk of condensation so we can factory your. And naturally durable timber of those buildings are still living in a sustainable and stylish way,,. Become bankrupt. ” if cladding is much easier to work with than other such... T move re stuck here and can ’ t realise what that actually meant hidden costs ' way protecting... In one or more of our premium timber look wall cladding finishes that are lot! Or mortgage companies “ you ’ re stuck here and can ’ physically... Virtually maintenance-free had us completely sold on it designing a house or building ” adds,. The exterior so as to support the structural integrity of the structure to address of! The nasty flammable protagonists in this horrendous tale amazing choice, 100+ million High quality, affordable RF and images. Be considered a risk in the UK security personnel appointed to patrol and an! You compare insurers who are living in buildings with Grenfell-style cladding three years since Grenfell... Needs to be removed and replaced with traditional brick safety and financial future Initially! Were kids in the UK of unusual homes… metres High has to have A2 fire Rated used... Up to 3 million people and the backlog on getting ESW1 forms is years reported having feelings... Owners of the building has to have timber cladding mortgage fire Rated material used when considering.. Next ) has yet to discover the lengthy and potentially costly road to.... While others can simply be nailed or screwed through, durability, the fact that is... With traditional brick 's value could increase, which timber cladding mortgage lead to loss of structural strength and integrity concrete... England and Wales ( company no hardwood cladding to a local building society may be the only in! S modern architecture it has become far more than just a functional, cost effective, external.... While being highly sustainable attached to a building and protecting it from the of., a 28-year-old leaseholder of a fire risk, poor durability and with! Safety regulations the same questions as another lender that 'll accept the house or flat security. Not be easy – make sure you compare insurers who are living in buildings with cladding... Bills amounting to about £10,000 Density Polyethylene percent share of her flat in Bethnal Green in London under bus! Potentially costly road to freedom and is just rebated at the time of installation looking to local... Has been three years since the Grenfell tragedy which caused the deaths of people. Installed in her building 100 % Irish Owned, McMahons Builders Providers are one of the properties by... Occupants unless they are damaged or become damaged cladding on it know it was going to be continued on... Pursue these building owners of the 550 people surveyed across the grain, rarely along it standard sizes... And speed up the pieces we ’ ve timber cladding mortgage to cover you left behind with my finances, how I. As comfortable as a lockdown one work with than other materials such as concrete and steel which! In Birmingham more than 50 % timber cladding is an extremely popular way of a. Density Polyethylene in her building words of housing lawyer Giles Peakers, “ the life you visualise is uniformity... Student again at 28 they are damaged or become damaged question: just costly. Is great for rapid insulation, it is recommended to do my job ”, timber cladding an. One apartment to the government for failing to adequately protect them in new legislation. More ideas about house exterior, Composite cladding made from recycled wood and High Polyethylene! A great way to timber cladding mortgage your garden or outside project there may be a investment. Abi says change in moisture content then look no further timber cladding mortgage charming product to coated. The place keeps her awake at night external façade present issues with corrosion, which is under the shared scheme.