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01418462266
Remortgage for Home Improvements: Get a Deal Today
Need to borrow money for much needed household repairs or renovations.
Remortgaging can be a useful way to make your dream home a reality.
We search deals from 100+ lenders, to get you the best deal & free up capital on your mortgage.
Book A Free Chat For A Home Improvement Remortgage
Complete the form below & we will contact you.
MAKE YOUR HOME IMPROVEMENTS A REALITY
Competitive Interest Rates
Benefits of Remortgaging for Home Improvement
Higher Borrowing Limits
Flexible Repayment Terms
Lower Monthly Repayments
Since the loan is secured, lenders are taking on less risk, which means they can offer lower interest rates compared to other forms of borrowing.
Increased Property Value
Potential Tax or Energy Savings
Because the loan is secured, you may be able to borrow more than with an unsecured loan.
As a secured loan, you may secure longer repayment terms, which can help lower your monthly payments.
If the interest rate is lower and you take the loan out over the long term then your monthly repayments could be even lower.
Improvements like extensions or energy efficiency upgrades can boost your home's value significantly, and enhance future resale or rental income.
Certain home improvements (like insulation, double glazing, or solar panels) may lead to lower energy bills or qualify for green incentives or schemes.
Make Your Home Improvements a Reality
The cost of living crisis has forced many of UK households to become more careful with money. According to the latest YouGov survey, around two-fifths (43%) have put off some form of home maintenance or renovation work.[1] If you are dreaming of that perfect extension or garden revamp, remortgaging can be an ideal way to make plans a reality.
There are few key things to know about remortgaging to release equity for home improvements.
The cost of living crisis has forced many of UK households to become more careful with money. According to the latest YouGov survey, around two-fifths (43%) have put off some form of home maintenance or renovation work.[1] If you are dreaming of that perfect extension or garden revamp, remortgaging can be an ideal way to make plans a reality.
There are few key things to know about remortgaging to release equity for home improvements.
Say you plan to renovate your kitchen and garden at a cost of £40,000. Your current mortgage balance is £120,000, and your home is valued at £300,00.
You could remortgage for £160,000 with a new lender- pay off your exisiting mortgage and use the extra to fund the improvements .
How Does It Work
Say you plan to renovate your kitchen and garden at a cost of £40,000. Your current mortgage balance is £120,000, and your home is valued at £300,00.
You could remortgage for £160,000 with a new lender- pay off your exisiting mortgage and use the extra to fund the improvements .
Can You Remortgage For Home Improvements With Bad Credit
Yes, it's possible. Even with bad credit, some lenders- many of whom we work closely with- offer remortgage options to fund home improvements. Approval depends on the severity and timing of your credit issues, but case-by-case assessments are common.
You may face a higher interest rate or lower-loan-to-value (LTV) but it can still be a smart way to raise funds in the long run for home repairs.
Yes, it's possible. Even with bad credit, some lenders- many of whom we work closely with- offer remortgage options to fund home improvements. Approval depends on the severity and timing of your credit issues, but case-by-case assessments are common.
You may face a higher interest rate or lower-loan-to-value (LTV) but it can still be a smart way to raise funds in the long run for home repairs.
What Is A Home Improvement Remortgage
A home improvement remortgage lets you release equity from your property to borrow additional funds on top of your existing mortgage- specifically to finance renovations.
A home improvement remortgage lets you release equity from your property to borrow additional funds on top of your existing mortgage- specifically to finance renovations.
Why Remortgage For Home Improvements
If you're a homeowner, remortgaging is a great way to secure a better rate while releasing equity to pay for renovations.
It's popular for larger projects, as alternative options like personal loans typically offer lower limits or shorter terms
If you're a homeowner, remortgaging is a great way to secure a better rate while releasing equity to pay for renovations.
It's popular for larger projects, as alternative options like personal loans typically offer lower limits or shorter terms
Types of Renovations Possible With a Home Improvement Remortgage
Home improvement remortgages can help fund a range of projects—from loft extensions, new kitchens, and bathroom upgrades to modernisation, repairs like new windows, interior updates such as flooring, or even landscaping and driveway work.
Home improvement remortgages can help fund a range of projects—from loft extensions, new kitchens, and bathroom upgrades to modernisation, repairs like new windows, interior updates such as flooring, or even landscaping and driveway work.
We Help Families Move From Debt Stress To Dream Address
Remortgaging isn't always the best option. If breaking your current mortgage deal comes with high fees, a second charge mortgage- a secured loan against your property- could be a better fit
For smaller projects, a personal loan might be suitable. Though the repayment may be a higher, shorter terms mean you'll pay less interest overall.
Cash savings can also be an effective option.
Alternatives To a Home Improvement Remortgage
Remortgaging isn't always the best option. If breaking your current mortgage deal comes with high fees, a second charge mortgage- a secured loan against your property- could be a better fit
For smaller projects, a personal loan might be suitable. Though the repayment may be a higher, shorter terms mean you'll pay less interest overall.
Cash savings can also be an effective option.
START YOUR REMORTGAGE APPLICATION TODAY. WE CAN HELP YOU FREE UP CAPITAL ON YOUR MORTGAGE
Why Renters Choose BrightGuard
No Surprises Pricing
What you see is what you pay. No hidden fees, no hidden catches—just simple, transparent pricing.
We help the Chakrabarty family remortgage their home, release equity for life-changing renovations, and consolidate debt—all in one smart move.
What People Say
Increased House Value
We gained a significant amount of space by doing a single storey kitchen extension followed by landscaping of the garden and finally a new kitchen and bathroom .
We gained a significant amount of space by doing a single storey kitchen extension followed by landscaping of the garden and finally a new kitchen and bathroom .
Improved Quality of Life
This has given us more space and a better quality of life without moving out of our family home. If we did move we would have afforded a property of our size now
This has given us more space and a better quality of life without moving out of our family home. If we did move we would have afforded a property of our size now
Secured Low Rate
Was able to move from a higher rate, and consolidate a few credit cards and loans.
Was able to move from a higher rate, and consolidate a few credit cards and loans.
Meet Our Customers
Real People. Real Success Stories.
The Mortgage Exchange have been God send to us. They helped us not loss our home because of spiralling high monthly debt payments but also supported us with a home improvement remortgage. They have been a huge relief.
Swagat Chakrabarty
We helped the Chakrabarty family remortgage their home, release equity for a life-changing renovation, and consolidate debt—all in one smart, streamlined solution
Think carefully before securing other debts against your home. As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. When consolidating existing borrowing it is important to be aware that extending the terms of the agreement could increase the total amount repaid. This should be looked at along with the savings. Consult with an FCA authorised advisor to check the costs over time and ensure you are fully aware of the potential savings and costs involved over the term.
The Mortgage Exchange Ltd is registered in Scotland no. 648401. Authorised and regulated by the Financial Conduct Authority. The Mortgage Exchange Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 924718.
If you wish to register a complaint, please write to us at the address above, email us at info@mortgageexchangeltd.co.uk or call us on 0161 533 0966.
A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
Registered office:
Pavilion 3, Bothwell Bridge Business Park
Candymill Lane, Hamilton, ML3 0FD
© 2025 The Mortgage Exchange Ltd. All rights reserved.
01418462266
Our Address
Useful Links
We Help Families Mortgage Smarter & Live Better
Found What You're Looking For
Let's get you the outcome you deserve.
Complete our super quick and simple online form for a free 15-minute exploratory mortgage & protection chat.
Or call us, email us or connect with us on social media.
Ross Haggerty, Senior Mortgage Adviser
Let's get you the outcome you deserve.
Complete our super quick and simple online form for a free 15-minute exploratory mortgage & protection chat.
Or call us, email us or connect with us on social media.
Ross Haggerty, Senior Mortgage Adviser
01418462266
Remortgage for Home Improvements: Get a Deal Today
Remortgaging can be a useful way to make your dream home a reality.
We search deals from 100+ lenders, to get you the best deal & free up capital on your mortgage.
Complete the form & we will contact you
GET THE BEST REMORTGAGE DEAL
Book A Chat For A Home Improvement Remortgage
Benefits of Remortgaging for Home Improvement
Benefits of Remortgaging for Home Improvement
Benefits of Remortgaging for Home Improvements
Since the loan is secured, lenders are taking on less risk, which means they can offer lower interest rates compared to other forms of borrowing.
If the interest rate is lower and you take the loan out over the long term then your monthly repayments could be even lower.
Because the loan is secured, you may be able to borrow more than with an unsecured loan.
As a secured loan, you may secure longer repayment terms, which can help lower your monthly payments.
Improvements like extensions or energy efficiency upgrades can boost your home's value significantly, and enhance future resale or rental income.
Certain home improvements (like insulation, double glazing, or solar panels) may lead to lower energy bills or qualify for green incentives or schemes.
The cost of living crisis has forced many of UK households to become more careful with money. According to the latest YouGov survey, around two-fifths (43%) have put off some form of home maintenance or renovation work.[1] If you are dreaming of that perfect extension or garden revamp, remortgaging can be an ideal way to make plans a reality.
There are few key things to know about remortgaging to release equity for home improvements.
Real People. Real Success Stories.
The Mortgage Exchange have been God send to us. They helped us not loss our home because of spiralling high monthly debt payments but also supported us with a home improvement remortgage. They have been a huge relief.
Swagat Chakrabarty
We helped the Chakrabarty family remortgage their home, release equity for life-changing renovations, and consolidate debt—all in one smart move.
We Help You Move From Debt Stress To Dream Address
Meet Our Customers
What People Say
Think carefully before securing other debts against your home. As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. When consolidating existing borrowing it is important to be aware that extending the terms of the agreement could increase the total amount repaid. This should be looked at along with the savings. Consult with an FCA authorised advisor to check the costs over time and ensure you are fully aware of the potential savings and costs involved over the term.
The Mortgage Exchange Ltd is registered in Scotland no. 648401. Authorised and regulated by the Financial Conduct Authority. The Mortgage Exchange Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 924718.
If you wish to register a complaint, please write to us at the address above, email us at info@mortgageexchangeltd.co.uk or call us on 0161 533 0966.
A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
Registered office:
Pavilion 3, Bothwell Bridge Business Park
Candymill Lane, Hamilton, ML3 0FD
© 2025 The Mortgage Exchange Ltd. All rights reserved.
01418462266
Our Address
Useful Links
The Data
[1] Based on a survey of 2,000 UK residents via YouGov. The survey was run on 25 February 2025, and all responses were selected at random. All statistics are sourced from this survey unless otherwise stated.