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Roofing Company: Find A Green One and Save

Even if you’re not someone who feels like the environment should be a top priority, it can make a lot of financial sense to find a green roofing company when it comes time to replace your existing roof. While these companies may charge a bit more for their initial work, the products they put in place will often save you a lot of money on your electric bills. This money adds up over time and can easily make up for what you spend up front. Often, the system used by these contractors is that of a metal roof. There are a number of advantages to this style, and this article will enumerate just a few of them.

A green roofing company will often recommend going with metal as the primary material. This is a good thing if you like to save money on your electric bill. Because they reduce the amount of heat moving through into your attic and down into your home, it takes much less processing power for your air conditioning to be efficient. If you are environmentally conscious, you know that using less power to cool your home means conserving fossil fuels, of which the resources are limited. Reducing a dependence on such fuels means having less of a dependence on foreign energy sources, which not only improves the economy, but reduces the amount of money that can potentially fund terrorism and other harmful activities. Naturally, switching to a green roof yourself isn’t going to mean a lot in the overall scheme, but everyone can do their part.

Of course, not everyone is going to be impressed by environmentally friendly solutions. If you need more reasons to think about hiring a green roofing company, you should be aware that metal shingles typically weigh quite a bit less than asphalt shingles. This difference in weight means a lot when it comes to preserving the life of your roof, avoiding leaks, and minimizing damage in the event of a hurricane or some other type of strong storm.

Using metal can also qualify you for a number of discounts. For instance, if your home is certified as such, you can get what’s called an energy efficient mortgage. This can put your energy upgrades right into your mortgage, making paying for the upgrades much easier and less of a hassle. Beyond that, however, it should be noted that such upgrades often improve the value of your home, which can make selling it-especially in a depressed housing market-much easier and more profitable.

Copper Roof Caps Add Distinctive Flair To Exterior Ornamentation

Special touches define a home-architectural accents distinguish a property from surrounding neighbors. Finials, gutters, cupolas, skylights, and chimney caps bring distinctive style to exterior designs, and the little details always separate real style from pretentious designs that overwhelm with ostentation. Few exterior upgrades match the classic beauty of copper roof caps, which finish the look of a home with stunning flair and custom fashion, but remain unobtrusive enough to showcase a sense of restrained good taste.

Roof adornment has a solid architectural history, and various caps, cornerstones, and capstones have come to define entire cultures-Ionic, Doric, and Corinthian columns and minarets come to mind. Roof caps come in a great variety of styles, materials, colors, and designs, but classic copper adds luxury, durability, and superior appearance. Galvanized copper resists common problems like mildew, rust, and dirt buildup, guaranteeing that the adornment remains long after cheaper materials require repairs or replacements. Copper roof accents add incredible visual appeal that improves with age because copper gains a rich, antique patina over time.

Homeowners can choose from among predesigned caps with unique details in square, round, triangular, conical, or hexagonal shapes. These caps adorn residential and commercial property with equal panache, and manufacturers can create custom fabrications in copper because the material is exceptionally malleable. Of course, great artistic detail might be wasted, since people observe roof art from a distance. Size, shape, color, and shine best distinguish roof finials, and copper suits exterior designs to perfection. Within a few months, the material will tarnish to a lovely shade of satin brown. The chalky green that distinguishes the Statue of Liberty actually takes 50 years or more to develop.

Roof caps serve a genuine function in addition to decorative duty. The caps top the highest point of the roof and begin the process of channeling water in the direction roofing engineers dictate to protect the home from leaks. Flashing and gutters continue the process, and a well-designed roof will reduce maintenance costs and eliminate expensive repairs.

Homeowners can achieve a polished look by coordinating several roof features in classic copper earth tones. Chimney caps, flashings, cornices, and cupolas look great when savvy decorators choose the benefits of copper. Copper’s superior weather and mold resistance make the material a better choice for long-term value. Copper roof caps, gutters, and other features will provide many years of service and distinctive d├ęcor that will inspire envy in neighbors.

The Rise of the Green Home Loan Market

Introduction

As Green issues increasingly play on people’s mind the desire to renovate defunct properties or build eco-friendly properties is growing. Mortgage lenders, who typically steered away from such projects, now recognise a growing market and many more are now willing to loan money to fund such projects. This article discusses the rise of the Green Home Loan and the complexities surrounding it.

Green Mortgages

Only a handful of specialist lenders are offering green home loans. These can either be loans that offer environmentally friendly perks, such as free energy savings reports, carbon offsetting and cash back for energy saving home improvements or those that fund large scale renovations of disused buildings and energy efficient new builds.

For larger projects people will still have there hands tied as to where they can go for a loan, but companies such as Ecology are happy to offer loans on smaller projects that other lenders won’t offer mortgages on. It will offer loans on log cabins or timber chalets and properties built using traditional materials like straw. It also offers loans to develop rundown houses, unused churches or derelict buildings. In the past the company has been known to fund projects to develop disused lighthouses, chapels, coast houses, water towers and barns.

One of the problems though of going to such companies, is that as they are dealing with niche loans, they will typically charge a higher rate of interest than for those found in traditional mortgages. Another problem is that companies offering green mortgages often find it difficult to carry out surveys or valuations. The lenders also find it difficult to establish whether they could resell the property in the event of payments defaults and subsequent repossession.

Recognising the growth in the market though, other companies like Norwich and Peterborough are now offering their own flavour of niche green mortgages. These companies offer green loans on new and existing homes with higher than average standards of energy efficiency or existing homes that buyers plan to make more environmentally friendly. Norwich and Peterborough’s green loans come with free energy rating surveys and perks such as cash back that can be used to improve the energy efficiency of the home.

Some lenders also have other sales gimmicks on their green loans, for example Norwich and Peterborough say they plant 40 trees for each green mortgage it sells and other lenders say they will plant one tree for each year you have the mortgage.

As concerns over climate change grow there are expected to be more and more lenders offering green home loans. The government is also launching various incentives for borrowers looking to improve the energy efficiency of their homes.

Brokers warn that homeowners should be wary of just how much of what is offered on green loans is a sales gimmick and how much of it is actually a tangible benefit. Some brokers advise that people looking to take out a loan on a conventional property might want to take out a more competitively priced standard loan and then donate to a carbon offsetting scheme on their own. Unfortunately, if your dream home is unconventional like a log cabin, then you are more or less forced to go to one of the companies like Ecology. Ecology has a range of mortgages, including buy-to-let and interest only deals and for properties that have a commercial element or loans to buy woodland that the buyer wants to preserve. At the time of writing, interest rates for residential mortgages start at 6.15% and for buy-to-let at 6.4%. Ecology also offers discount from its standard rates if people are taking out the home loan to increase the energy efficiency of their property. Borrowers can get a 1% discount if they are doing things like modifying the floor, wall and roof to improve energy efficiency or if they are installing low water-usage appliances.

The way some of the Ecology schemes work is to offer an initial loan amount to fund the start of a project, which is based on the value of the property or planning permission and then, as the building work progresses, to reassess the property’s value and to issue further funds accordingly. There is an interesting array of sustainable and recycled materials used in the developments Ecology has funded. These have included material such as timber, straw, cob, rammed earth, reclaimed brick and stone. Some of the properties and even underground or built into the side of hills, while others may incorporate good insulation, triple glazing, efficient boilers and renewable energy systems such as solar panels and rainwater collecting systems.

Most green mortgages are only offered for up to 90% of the property’s value, but are offered on part-commercial, part-residential schemes like working farms. It is very rare for a green home loan to be offered at a fixed interest rate, or for holiday and second homes.