Unlock Your Home’s Potential: Remortgage for Home Improvements
Looking to transform your home without dipping into savings or high-interest loans? A remortgage for home improvements could be the key. By using your home’s equity, you can borrow at a lower rate to upgrade your kitchen, add an extension, or even create a home office.
This guide will break down your options, explain how the process works, and help you make a smart decision for your renovation goals.
What Is a Remortgage for Home Improvements?
A remortgage for home improvements is when you switch your mortgage (or borrow more on your existing one) to fund property upgrades. This is often more affordable than personal loans or credit cards due to lower interest rates.
You can:
If your current mortgage deal is coming to an end or your rate no longer suits your needs, head back to our Remortgage for Better Rates page to explore your options and see how much you could save.
Why Use a Remortgage for Renovation?
Whether it’s a new kitchen, loft conversion, or energy-efficient upgrades, remortgaging gives you the flexibility to enhance your home while spreading the cost over time.
Popular Home Improvement Projects Financed via Remortgage
Why Use a Remortgage for Renovation?
Benefits include:
How to Remortgage for Home Improvements
Step-by-step:
Assess your equity
Check how much of your mortgage you’ve paid off and what your home is worth today.
Estimate your project cost
Get quotes or cost ranges for your renovation plans.
Speak with a broker
Compare mortgage deals across 90+ lenders with Verifi Mortgages.
Secure an agreement in principle
Get an estimate of how much you can borrow.
Submit your application
Provide your documents, plans, and evidence of affordability.
Receive funds & begin work
Once approved, the funds are released and you can get started.
Can I Remortgage for Home Improvements with Bad Credit?
Yes — many specialist lenders offer remortgage deals to homeowners with credit issues, CCJs or defaults. At Verifi Mortgages, we can help match you with lenders willing to support home upgrades regardless of your credit history.
Learn more about getting a mortgage with bad credit from StepChange, including how debt advice can support your mortgage application.
FAQs
Ready to Renovate?
Whether you’re dreaming of a modern kitchen, more bedrooms, or a greener home — Verifi Mortgages can help. We’ll find you a competitive deal, explain your borrowing options, and support you every step of the way.
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Related Options
Debt Consolidation
Combine debts into one manageable payment
Remortgage Rates
Understand more about remortgage rates
Release Equity
Unlock equity in your home
Second Charge
Borrow more without changing your current mortgage