IrishHouses.ie | Property Blog
IrishHouses.ie, and our associated county websites, DublinHouses.ie, CorkHouses.ie etc. are designed to provide low cost, high quality property advertising.
On IrishHouses.ie, both estate agents & private individuals are welcome to place advertisements for properties for sale, rent or exchange.
We do not charge fees or commissions of any kind and our advertising costs
start at just €10 for a 16 picture advertisement with location map.
The advantages of placing a property advertisement on IrishHouses.ie
Is this the perfect time to abolish Stamp Duty?
According to an article by James Fitzsimons in the Sunday Independent, now is an ideal time to abolish Stamp Duty in order to encourage movement in the property sector. His argument is that when Capital Gains Tax was reduced to 20% in the late nineties, the tax take actually increased as a result. By reducing or abolishing Stamp Duty, the property market could be kick started again.
Full Article | Is this the perfect time to abolish Stamp Duty?
Rent To Buy House Purchase Schemes
In today's market, with house prices continuing to fall and no obvious end in sight, many potential house buyers are in a
position of having to rent a house or apartment and then waiting until they believe that the time is right to make an offer.
Although rental prices are currently also declining, from the tenants point of view, paying rent each month is still wasted money. In
a "normal" housing market, tenants could be using that money to pay off a mortgage and eventually own their own homes.
Full Article | Rent To Buy House Purchase Schemes
Building A Green House
5 Steps Towards An Energy Efficient House
A Warm Water Underfloor Heating System.
Consider fitting a warm water underfloor heating system, as it is more energy efficient than a conventional radiator based
system. The amount of heat supplied to any room in your house depends both on the temperature of the radiating surface and
the area of that surface, so whilst ordinary radiators can get too hot to touch, underfloor systems, at a lower temperature, can spread heat more evenly
around the room.
Full Article | Building A Green House
No NAMA For The Little People
There will be no Nama for the little people, according to an article in the Sunday Independent. The government does
not want to encourage "moral hazard" so people who have mortgages on homes that are now worth less than the outstanding
mortgage cannot walk away from their debts or even enjoy some degree of debt forgiveness. To do so would be unfair on
their prudent neighbours, they say.
Full Article | No NAMA For The Private Home Owner
NAMA's Firesale of "Stolen Property"?
The owner of Smarthomes, Sean Gallagher,
has said that he believes that the sale of "distressed" apartments in the Dublin surburb of Carrickmines is
"tantamount to buying stolen property".
At the height of the property boom one-bed apartments in Carrickmines Green fetched €360,000 while two-bed
apartments went for €520,000. Now the same properties are being sold by the receiver for Anglo Irish Bank for
€135,000 and €180,000 respectively.
Full Article | NAMA's Firesale of "Stolen Property"?
Signs of Life in the Irish Property Market?
There appears to be mixed signals from international ratings agency Standard and Poors.
On the one hand, they have recently
stated that the Irish property market is
now undervalued but they did not rule out further declines in property prices.
Full Article | Signs of Life in the Irish Property Market?
Residential Property Tax Now Inevitable?
Is there anything that can be said in favour of residental property tax? Anyone who bought a
property in the last 6 years will have paid substantial amounts of stamp
duty. Recent buyers may soon be faced with the prospect of having to pay an annual amount on top of the stamp
duty already paid, for a property which may be in negative equity for some time to come.
Full Article | Residential Property Tax Now Inevitable?
Parents Mortgage Guarantees To Be Called Upon by Banks
Some banks are currently planning to ask parents providing guarantees in respect of their children's mortgages to repay the
outstanding arrears.
Parents may be expected to repay large amounts of money in respect of mortgage arrears. In some cases parents are exposed to
liability in respect of the entire balance remaining on the house mortgage.
Full Article | Parents Mortgage Guarantees To Be Called Upon by Banks
Arrears on Your House Mortgage
If you are lucky enough to secure a mortgage, especially if you are a first time buyer, you should be aware that you have a
number of financial responsibilities that will accompany the excitement of owning your own property.
Firm control of your personal finances is now more important than ever. The danger is that you may not have needed to
exercise this control if you were living at home or in rented accommodation before you moved into your new house.
Full Article | Arrears on Your House Mortgage
EU Approves Nama Property Bond Plan
The European Union recently approved the Irish Government plan for the National Assets Management Agency (Nama) to commence buying loans from the Irish banking
system. The EU will however, still need to scrutinise individual transactions to ensure that excessive state aid is not being provided to Irish banks. In the long run, this additional level of oversight may possibly reduce the cost to the Irish taxpayer if Nama overpays the banks on the true value of the bad loans..
Full Article | EU Approves Nama Property Bond Plan
Property Developers and Banks: The Nama Gamble
Imagine that, in early 2007, a property developer purchases a parcel of land that is zoned for residential development. The developer intends to build a mixed development of 3 bedroom semi-detached houses and 1 bedroom apartments. He borrows 90 million euro from the banks and invests 30 million euro of his own, or his shareholders, money for a total land purchase price of 120 million euro.
Then, during the months since early 2007, the housing market starts to slump and the developers finds that he cannot afford to
repay the monthly amounts due to the bank on the loan of 90 million euro. The bank obtains a court order for repossession of the
land in lieu of the debt and tries to sell it. The continuing slide in property values means that the site is now worth
say only 36 million euro, which is a reduction of 70 percent from the amount originally paid.
If the bank is fortunate enough to find a buyer at a price of 36 million euro, they would still suffer a loss of 54 million euro. The developer and any shareholders will lose the 30 million euro put into the development.
Full Article | Property Developers and Banks: The Nama Gamble
200 Euro Second Home Property Charge
The Local Government (Charges) Act 2009 provides the details of the new 200 euro per second property charge. The payment is to be
made to each local authority within whose boundaries rental properties and holiday homes lie.
Full Article | 200 Euro Second Home Property Charge
House Building & Construction Industry
The recent downturn in the Irish economy has affected all aspects of the property sector, including estate agents and
property developers. The house building and construction industry is a major portion of the Irish economy and in the last two years over 200,000 jobs have been lost.
One estimate put the current number of construction industry related jobs in Ireland as around 180,000.
Many contractors involved in construction projects face major difficulties on obtaining payments for work done on time.
Late payments and sometimes non payments have become increasing common.
Full Article | House Building & Construction Industry
Property Advice: Moving House
It's vital to pack well ahead of moving day. If you are moving house during the summer, get your winter clothes packed. Pack up those kitchen implements that you won't need. In the bathroom, you can do without weighing scales and spare towels in the days before you move house.
It's a good idea to keep valuable possessions, such as silverware, collections, or antiques, with you. Either way, check your homeowner's insurance to see how you are covered during the move, and if you need additional insurance from the mover. Also, find out what paperwork (receipts, photos etc) you might need to make a claim if you do lose these items. As well as valuables, make sure you keep any important papers with, such as passports, id cards, birth certificates, etc.
Full Article | Property Advice: Moving House
Getting an Irish Bank Mortgage
What type of people are being approved for mortgages these days? Michael Dowling of the Independent Mortgage Advisers'
Federation says that there are two classes of sucessful applicants. Civil and public servants are assessed by the banks as
having the most secure employment prospects.
Full Article | Getting an Irish Bank Mortgage
Mortgage Rate Increase For Property Owners
Most banking experts believe that Irish house and commercial mortgage variable interest rates will increase shortly. The
standard variable rate may rise by 1 or 1.5 percent during 2010.
Previously, mortgage borrowers faced with an increase in the standard variable mortgage rate had the option of transferring to a more competitive rate from another bank.
Full Article | Mortgage Rate Increase For Property Owners
Legal Issues
Steps involved after you have agreed a price with the Buyer,
Appoint a Solicitor
Once you have agreed a price, you should seriously consider appointing a legal representative as early as possible. Solicitors need your agreement to find and secure your property's Title Deeds if they are held by a bank or building society. The earlier this is done, the less chance of any delay in issuing Contracts at a later stage.
Legal Issues | Selling Your House
Greatest Demand is for 3 Bedroom Houses
A recent article in the Irish Times newspaper estimates the number of currently empty properties in Ireland at over 300,000. Many of these vacant house and apartments will probably be among the slowest to sell for two main reasons: they are in the wrong location, based as they are in new estates far from major towns and because they are the type of property that is currently least in demand.
Full Article | Greatest Demand is for 3 Bedroom Houses
Reducing House Flood Damage
Changes to your house that will minimise the damage caused by
flooding include:
Fitting non-return valves on drains and inlet water pipes, which will prevent contaminated water from entering.
Replacing fitted carpets with ceramic tiles on the ground floor of your house. If you want a softer floor material, use rugs
that can be removed from rooms if necessary.
Full Article | Reducing House Flood Damage
Advice on Water Damage and Flooded House
Flooding can ruin the interior of a house in a very short time, but unfortunately there is no easy or fast way to repair
the damage.
It can take many months to dry out the house, especially in the winter. If your home is flooded, each vertical inch of
the brickwork of your house walls affected by the flood will take about a month to dry out.
Full Article | Advice on Water Damage and Flooded House
Foundations of a New Build House
Before you proceed with the foundations of your new self build house, you will need a site soil investigation and engineers
report. This is an important part of the self build process and your mortgage lender will most likely expect you to obtain it.
With more difficult ground conditions, you will need to consult an engineer. On site trees with heavy clay may involve a deeper foundation with the sides of the trench covered with compressible material. Really difficult ground may require a reinforced concrete raft foundation.
Full Article | Foundations of a New Build House
Sound Proofing A House For Rent
If you are building your own house to live in, a higher than average level of soundproofing will help to make it more comfortable for you and your family. If you are hoping to rent out rooms, you should be aware than tenants often leave for another house because of high noise levels in their existing accommodation. So the money spent in increasing sound insulation is well spent.
Sound levels in houses are measured in decibels (dB). The dB is a logarithmic unit used to describe a ratio. A reduction of 3
dB is enough to produce a noticeable lowering of the noise levels in an adjoining room in the house.
Full Article | Sound Proofing A House For Rent
Maximise Space in a house for rent
Tenants looking for houses to rent can afford to be more choosy about their accommodation in today's market, so landlords have to work harder to make
their houses for rent as attractive as possible.
If you are restoring a small house in order to rent it , here are a few ideas to increase its income potential by maximising the space of the rooms.
Full Article | Maximise Space in a house for rent
Restoring A House For Rent
If you are considering restoring an older house in order to rent or sell it, you are probably aware that it needs to comply
with the BER standard.
As part of the process of modernising your property, especially if it is an older house, you may also want to think about
fitting a damp proof course in the walls of your house.
A damp proof course is a water impenetrable barrier that is placed into the walls or floor of a house to prevent water rising up from the ground.
Full Article | Restoring A House For Rent
Solicitors, House Conveyancing and Legal Terms
Completion Date.
The completion date is the date agreed by the buyer and the seller of the property by which the seller will have removed
their belongings from the house and the ownership of the property will be transferred from the seller to the buyer. There are many reasons why this agreed date may not be met by one or both of the parties concerned and it is essential that the delayed party should let the other side know about the delay and ask for a rearrangement of the date.
Full Article | Solicitors, House Conveyancing and Legal Terms
Removing A Name From A House Mortgage
Your original house mortgage application may have been made and approved as a joint mortgage. Due to separation or
divorce, you may now wish to have the mortgage entirely in your own name.
To remove a name from a joint mortgage agreement involves the consent of both partners involved in the mortgage.
In addition, the mortgage lender must agree to the removal of the other name.
Full Article | Removing A Name From A House Mortgage
Self Build Houses on a Budget
Every new house build, from exclusive penthouse apartment schemes right down to the simplest self build, always involves
compromises in terms of design, materials used and the building techniques involved.
For the experienced house self-builder however, the only aspect that cannot be compromised is the total cost.
Full Article | Self Build Houses on a Budget
Older Houses With Flat Roofs
Flat roofs have a bad reputation for causing expensive problems for house owners. Although modern buildings that feature
flat roofs are designed with the latest technology and built to a much higher standard than older houses, if you own or are
looking to buy an older house with a flat roof, you should be aware that it is almost inevitable that it will leak.
Full Article | Older Houses With Flat Roofs
Architects & New Build Houses
In the past, a residential house architect was primarily expected to produce drawings to guide the construction team
building the house and, in many cases, the architect's input was limited to that role.
Today however, building techniques have advanced, planning laws are more stringent and the remit of the modern architect has expanded accordingly.
By listening carefully to the client, and then asking the relevant questions, an experienced architect can
greatly assist a property owner, helping them achieve their vision and bring to life a building that will last for
generations.
Full Article | Architects & New Build Houses
Energy Efficient House Heating
An energy efficient form of house heating, which is particularly suitable for new build houses, is the ground source heat
pump system.
Although the initial expense of fitting a ground source heating system is high compared to the normal gas or oil fired hot
water systems, the running costs are lower and, since the heated air is taken from the ground under your garden, you are
immune from future increases in home heating fuel bills.
Full Article | Energy Efficient House Heating
Starting To Build Your New House
After receiving the final grant of house planning permission and submitting the commencement notice to the build control
section of the planning authority, you can then begin to build your new home.
Full Article | Starting To Build Your New House
Project Management: Self Build House
Although you can submit the planning application for your new self build home directly to your local planning authority, if
you have no previous experience of the planning process, you should strongly consider employing the professional services of
a planning agent or architectural firm. This is especially true if the proposed development is anything other than a very straightforward
change of usage.
Full Article | Project Management: Self Build House
Entrance Doors and House Security
Finding the right front door for your house is a balance between protection and hospitality. You need your house to be as
secure as possible and at the same time you want to make your friends and visitors feel welcome as soon as they walk up the
garden drive.
The latest entrance doors on the market are composed of steel reinforced fiberglass frames covered with a timber effect
outer layer. These doors also feature triple glazed windows which are securely protected against external removal.
Full Article | Entrance Doors and House Security
Heating Your House With A Cast Iron Stove
Almost everyone likes the idea of an warming, cheery fireplace in their home. However, open fires are very inefficient at converting fuel to heat, with around 70 percent of the heat they produce going straight up the chimney of the house.
Modern cast iron stoves can provide the look and feel of an open fire, providing a comforting focal point in a room, whilst at the same time using fuel much efficiently than open fires.
Stoves can burn many types of fuel such as wood, peat briquettes, turf and coal and a kilogram of fuel burnt
in a stove will produce at least three times more heat than when it is burnt on an open fire.
Full Article | Heating Your House With A Cast Iron Stove
Planning Ahead For A House Mortgage
Obviously, both mortgages and jobs are difficult to come by these days, but if you really want a house or apartment of your
own in the future, now matter how long it takes to get it, now is the time to think ahead and to put yourself in the best
possible position to get a mortgage when the economy improves.
Full Article | Planning Ahead For A House Mortgage
First Time Buyer Stamp Duty Exemption
If you are a first time buyer and you are lucky enough to secure a mortgage, you are exempted from paying any stamp duty on
your house, whether you bought it from new or second hand.
If you have previously owned a property, even if it was abroad, or you have built your own house in the past, you will not
qualify for stamp duty exemption.
The rate of stamp duty liable for non first time buyers purchasing second hand properties is 7 percent of the price over
125,000 euros, up to 875,000 euro and then the stamp duty rate rises to 9 percent on any excess above 1,000,00 euros.
Full Article | First Time Buyer Stamp Duty Exemption
Natural Gas Connection To New Build Home
When building a new house to live in yourself, or for sale or long term rent, you obviously need water and electricity
supplied to your property.
You may also decide to use gas for heating and cooking in your house, in which case you have two options, either a connection
to a natural gas supply or to a gas storage tank in your back garden.
Full Article | Natural Gas Connection To New Build Home
Electricity Supply To New Build Homes
To obtain an electricity connection to your new house, you need to show ESB Networks that you have received planning
permission from your local planning authority. An application form, Form NC2, should be completed and sent to ESB Networks
along with an ordinance survey map at 1:2500 scale for rural areas and 1:1000 for urban areas, indicating the position of your
new house. ESB Networks will also require a site plan of your new house at scale of 1:500.
Full Article | Electricity Supply To New Build Homes
Insurance Cover & Safety on a New Build Home
The construction of your new self-build property is an exciting time, watching your house being built from the foundation
right up to roof level and completion.
A much less exciting, though absolutely vital aspect of self-build houses however, is the provision of proper levels of
insurance cover. Your loan provider may insist on you obtaining adequate insurance cover before releasing the staged
payments of your mortgage.
The insurance cover you need for your self-build house can be divided into various categories.
Full Article | Insurance Cover & Safety on a New Build Home
Working With Your Builder
If you are planning home improvements, in addition to a builder to do the actual physical work, you may, depending on the scope of your plans, also need the services of a surveyor, an architect or even a dedicated project manager to work on your behalf.
Price should not be the only consideration when choosing a builder. You also need to be confident that your property project is as important to your builder as it is to you. If you are not impressed with the level of commitment shown by the builder, find another one.
Full Article | Working With Your Builder
Water Supply To Your New House
If you are building a new house, whether to live in yourself or for sale or long term rental, you obviously need your home to be connected to a water supply and to be provided with a safe and environmentally friendly waste disposal system.
To deal with the waste water issue first, it is vital, even before you apply for planning permission to have a test
percolation hole drilled. This will establish the water drainage capabilities of the land beneath your house. Sites with
high water tables or hard rock near the surface may not allow for safe water drainage and, in order to receive planning
permission, you must satisfy your local authority that your waste water system conforms with their regulations.
Unless you are sure that you will receive a water connection from the local supply, you should refrain from
building work until you receive written conformation from the local authority they will connect your new house
Full Article | Water Supply To Your New House
Property Charges and Taxes
The last budget altered the threshold amount for the calculation of capital acquisitions tax. A person can now receive or
inherit up to a maximum of 434,000 euros by a parent and still be exempt from capital acquisitions tax.
If a person receives an inheritance or gift from other family members, the capital acquisitions tax threshold is reduced to
43,400 euros.
Full Article | Property Charges and Taxes
House Purchase: Making an Offer
Although houses prices have dropped by up to 50 percent in the last two years, this does not necessarily imply that housing
has become any more affordable to larger numbers of people.
Over the last 18 months, the income of many people, although fortunate to keep their jobs in the current recession, has also
fallen, because of pay cuts and tax increases. In addition, it is much more difficult to obtain the mortgage needed
to purchase a house or apartment, so for many people the dream of a house of their own, despite falling house prices, is
still as far away as ever.
Full Article | House Purchase: Making an Offer
Safety on a New Home Construction Site
Building a new house yourself, or having it built for you, is an exciting time. However, amid all the excitement, planning
and decisions, you should never lose sight of the fact that a building site is potentially a very dangerous place.
Make safety on your construction site a number one priority.
All of the machinery used on a construction site, from mini excavators, cranes, scaffolding and ladders, right down to
ordinary electrical drills, will have it's own particular safety issue.
Full Article | Safety on a New Home Construction Site
House Building & The Final Grant of Planning Permission
If you intend to develop your land in some way, before construction or development actually begins, you will need obtain planning permission, unless you are certain that your proposed development is exempted.
The timescale for obtaining planning permission from local authorities in Ireland can vary widely, depending on how involved
the proposed development is.
Full Article | House Building & The Final Grant of Permission
The Planning Permission Process
Types of Planning Permission
Outline Planning Permission. If your proposed development is granted O.P.P., this means that the
local planning authority agree to your proposals in principle. If you need full planning
permission, you will have to apply for "permission following the grant of outline permission".
Full Article | The Planning Permission Process
Planning Permission: Exemptions For House Extensions
Planning permission exemptions are generally based around various well defined aspects of a property
such as its total volume or height.
If these thresholds are exceeded, e.g. building an extension on a house that exceeds a certain height,
then planning permission must be applied for.
Full Article | Exemptions From Planning Permission
Types of Planning Permission
Some of the developments requiring a grant of planning permission from the local planning authority
include:
The building of a dwelling house,
The carrying out of maintenance, improvement or alteration of an existing dwelling house in order to
create an extension of the living area or
the change of use of a garage shed, outhouse or any other structure to become part of the house.
Full Article | Types of Planning Permission
Planning Permision: Architects & Planning Agents
To increase your chances of being granted planning permission in the shortest possible timeframe,
you should strongly consider having pre-planning discussions with your local planning authority.
These meetings can often save an applicant a lot of time and money that would otherwise be spent in
having to resubmit, and possibly re-resubmit, improperly completed planning application forms.
Although you can submit the planning application directly to your local planning authority, if you
have no previous experience of the planning process, you should think about employing the
professional services of a planning agent or architectural firm.
Full Article | Planning Permission: Architects & Planning Agents
Planning Permission New Build Houses
Planning authorities usually define development as something along the lines of "the carrying out of work on, in or under
land" or alternatively "making any material change to the use of building or structures already present on the land".
Unless the new development is specifically exempt from planning permission requirements, the developer must formally apply
for planning permission from the local planning authority to proceed with their development proposals.
Planning permission is required for a large variety of changes of use of the land,
Full Article | Planning Permission For New Build Houses
Garage & Attic Conversions
Over the years, your house space requirements will often change. You may need an extra bedroom, or an en-suite bathroom. Removing or repositioning the internal walls of your property will often introduce more light and warmth into your house and create a sense of more space.
In most cases, unless your property is a listed building, you are free to put up partition walls as well as to install en-suite and understairs toilets. etc. Building work that involves load bearing walls or changes to the outside of the house may require compliance with the relevant building regulations.
Full Article | Garage & Attic Conversions
200 Euro Second Home Property Charge
The Local Government (Charges) Act 2009 provides the details of the new 200 euro per second property charge. The payment is to be
made to each local authority within whose boundaries rental properties and holiday homes lie.
Full Article | 200 Euro Second Home Property Charge
Getting a Mortgage in a Recession
Most mortgage providers today will demand a deposit of 20 percent of the price of the property for which the mortgage is
being sought. Banks and building societies no longer offer the 100 percent mortgages that were available 18 months ago. Now
the maximum on offer is generally 90-92 percent.
As a general rule, loan amounts are subject
to monthly repayments not exceeding 30% to 40% of the borrowers disposable income.
Full Article | Getting a Mortgage in a Recession
Landlord & Tenants
One of the most common, yet most
easily resolved disputes between
landlords and tenants, relates to
the condition and the content of
the property to be rented.
Landlords should provide tenants
with a detailed list of the
contents of the house and
agreement should be reached as to
the condition of the house before
the new tenants move in.
Landlords must be prepared to
accept a certain amount of
unavoidable normal wear and tear
in the furnishings and fittings
of the house, especially if they
are lucky enough to have their
property continuously rented out.
Full Article | Resolving Rental Disputes
Legal Issues
Steps involved after you have agreed a price with the Buyer,
Appoint a Solicitor
Once you have agreed a price, you should seriously consider appointing a legal representative as early as possible. Solicitors need your agreement to find and secure your property's Title Deeds if they are held by a bank or building society. The earlier this is done, the less chance of any delay in issuing Contracts at a later stage.
Full Article | Legal Issues | Selling Your House
Log Cabins
Log cabins are available in a variety of sizes and designs. They provide an ideal and affordable way of obtaining that "little bit of extra space", with minimum disruption. Most small cabins are erected quickly and can be custom built to your own specifications or to standard designs. Log cabins range in size from small units suitable for home offices, teenage retreats, utility rooms etc. to dwelling houses and larger buildings.
Coppola Cabins are constructed from Scandinavian Spruce with different log thickness, tile effect felt roof, wooden double glazed windows and doors.
Wooden Windows
Many modern homes have uPVC windows and doors, which for the most part, are virtually maintenance-free. However, if your property features wooden windows and doors, you will need to protect them from damage caused by rain, frost and the suns' UV rays.
Full Article | Wooden Windows
BER Certificate
The EU Directive on the Energy Performance of Buildings (EPBD) recently passed into law in Ireland. It lists a new set of provisions aimed at improving energy performance of residential and non-residential property, both existing buildings as well as new or proposed structures. Property owners are now obliged to provide a Building Energy Rating (BER) certificate, which is basically an energy performance label. They will be required at the point of sale or rental of a building, or on completion of a new building. A BER is similar to the energy label for a household electrical appliance.
The label has a scale from A to G. A-rated homes are the most energy efficient and G the least efficient.
Full Article | BER Certificates
Mortgages
Before applying for any mortgage, no matter how small, you must be absolutely certain of how much you can afford to pay back. If you need to, get some independent professional advice and make sure that you have included everything in your budget calculations.
Obviously the amount you can borrow will depend primarily on the amount of money you earn. Shop around for the best deal or go to an independent mortgage broker.
There are two things to bear in mind when applying for a mortgage: what is the percentage of the house value you can receive as a mortgage, say 80 to 95 percent, and what earnings limit will the lender impose, a typical example being three and a half times your salary.
Full Article | Applying for a Mortgage
House Insulation
Efficient home insulation, as well as reducing your home heating bills, has another major benefit, it reduces sound transmission, both from nearby houses but also from noise created in your own house from home appliances such as your heating system, washing matching as well as TVs and radios.
Three main types of insulation are used in modern houses.
Fibrous insulation uses narrow fibers bonded together and which trap air between them. Examples of fibrous insulation include fiberglass blankets and boards. In the past asbestos wool was often used as insulation but health concerns now prevent its use in the home.
Full Article | Home Insulation