There are lots of different reasons why people look to remortgage for home improvements. It could be that your home is simply showing its age and needs modernisation. It could be that your family has expanded and you need to reconfigure the layout. Alternatively, you may be looking to convert your garage to a gym or a bedroom into a home office.Get Started
Are you looking to build a conservatory? To create a bigger garden? Perhaps you're looking to create yourself a kitchen extension. Whatever your reason for remortgaging, if you have a decent amount of equity in your home then an experienced mortgage broker will likely be able to help. If the works you are carrying out are substantial the lender may need you to obtain estimates ahead of agreeing to the mortgage.Apply Now
Should you remortgage before or after the home improvement works?
Most people do not have that option, home improvements such as extensions or home office can vary in price, and unless you have the cash to pay upfront, you'll need to raise the funds first. If you do the home improvements first however then you may have a better loan to value when it comes to looking for a new mortgage based on the post-works valuation.
How much will the home improvements (and the remortgage) cost?
We recommend you obtain estimates for the works required so you do not run out of case. Mortgage rates and fees can vary, though as your mortgage broker we will inform you of these. As well as the cost of materials and labour, you may also need to budget for architects, planning permission, building regulation certificates and VAT.
Should I remortgage to pay for home improvements or can I use a loan?
It is your decision, but we find that remortgaging is usually cheaper monthly than a personal loan as you're spreading the cost of the extra borrowing over the whole term of your mortgage. Remember a mortgage is secured upon your property whereas a personal loan is not.
Will I need to provide quotes to the lender?
If the project that you are planning is quite large, such as a home extension and you are looking to raise the funds for this, lenders will most likely want to see quotations for the works that are due to be carried out.
What are the most popular home improvements?
Lots of people look to improve rather than move. This could be due to the fact you have children at a school that are settled or are close by to your place of work. The most popular improvements are usually to create more space, through a house extension or loft conversion but remortgaging for a new bathroom or kitchen is also popular.
Pick a date and time that suits you. We want to make sure that you put your personal and work life ahead of your appointment.
It's an easy process! Book online and receive a free initial consultation.
Your case manager will be your first point of contact throughout your whole case. Any questions that you have they will be happy to answer.
We know the stress of remortgaging and trying to find a new product, and that's why we are here to help!
During your remortgage for home improvements, we like to make sure all our customers are covered with the most suitable insurances, protecting you and the ones you care for.
We can help you find the perfect remortgage product for your home improvements journey.
We have been working with remortgages for over 20 years now - we know how to help!
They will will work alongside you through the whole remortgage process, tackling any hurdles you face along the way. We love helping our customers, remortgage, let us help you next!
Our Customers Love Us
4.97 Rating255 Reviews
Megan and Wayne have been great throughout. Both really easy to work with and on top of things at every step of the process. Thanks a lot.
Excellent service by Malcolm, Paula & Meghan. We completed our purchase last week in what was supposed to be a very difficult case due to my bad credit and limited trading history as a director of LTD company. UKmoneyman dug out a lender that...
Very good service received. Wayne is very knowledgeable and helpful especially with me been a first time buyer. Also very accommodating with timings and I was able to have chats later on a night to fit my schedule. Very supportive all the way...
So far so good ! The first point of contact was lovely, made me feel at ease and very knowledgeable.
Absolutely fantastic service from the start, in helping getting a mortgage. Charlie always replied to my messages as quickly as possible and was very clear, thorough and calming through the whole process, cutting out a lot of worries had I not used...
Great help from the team, helped find exactly what we were after, and was an easy straight forward process. Being self employed it can be tricky however there were no problems with the help and advice we received.
Very helpful and efficient service. Wayne, the financial advisor who handled our case was thorough and professional, he gave us some very useful information and importantly sourced a good mortgage for our needs. Once we had a mortgage offer in...
From start to offer leo and jo have been great and done everything so quickly and I have not had to stress once been to other broker companies and this is the best by far will definitely use them again 😊
My initial interaction with Faye from UK money man has been really personable and I felt like she understood my needs very well. I’m hoping they can help deliver what I need and I didn’t feel any pressure to have to go further with my...
UK Moneyman have been super helpful and reliable. Have always been able to count on them getting back to us quickly and made us feel comfortable checking anything out we were not really sure about. They made the whole process as easy and hassle free...
The team were fantastic, in finding the product for me. Jo also walked me through what to expect when purchasing your first home I.e. time frames, and answer my many questions. Also their after care has been great, checking in on how the purchase is...
Myself and partner used UK Moneyman for our first time buyer mortgage. We’ve had round the clock care well above the norm. Multiple routes forward regarding which mortgage to go for with lots of information to help prepare us through the...
I cannot thank the UK Moneyman service enough. Securing a mortgage meant more than just that to me, it was – is - a life chance. However, because of my credit history, I didn’t think that it could be done. Right from the start of the...
Leo and Kayleigh have been great from the first phone call that I made to them. They have both helped us each step of the way and it has been a great comfort to my wife and me that everything had been taken care of by them both. We will definitely...
Ryan and Kayleigh were incredibly helpful and always available to answer our questions whenever we needed - and we had a lot of them as we are first time buyers who didn't have a clue about any of the process to begin with! They secured our...
UK money man where so helpful. Chloe and Joe was amazing with us. Stayed in contact with us giving advice and updates, so glad we chose UK money man! Thanks for all your help.
Amazing, when ne and my partner first looked into buying a house, we had no idea about how to get a mortgage or anything. Moneymen were extremely helpful all the way through and sorted everything smoothly and efficiently! Very happy, will use again...
We’re so glad that we decided to use UKM to help us through the process of buying our first home, they took most of the stress off our shoulders and we’re always there to answer any queries. Would definitely recommend them to anyone...
I found Dinah at Harrogate Moneyman to be extremely supportive. She listened carefully to our needs, proposed solutions and followed up closely. A great service - I’d recommend Harrogate Moneyman to anyone looking for mortgage options.