Taking the decision to remortgage for home improvements is arguably the best way to generate extra cash to fund your latest project or dreams – and further increase the overall value of your property.
Capitalising on rising house prices could give you access to the extra finances you need to build your dream extension, convert your loft or to fit a new kitchen.
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A home improvement mortgage can be a great solution for those who don’t want to leave the area where they live, but want a different or improved type of home or way of living.
With property prices on the increase, reinvesting in your current home could result in a better final product than you could afford by choosing to move.
Put simply you remortgage to free up equity, which is then used to fund improvements to your current home. This route is popular as it potentially offers lower rates of interest than other forms of borrowing, whilst also releasing a lump-sum of cash for you to use.
Interest rates are likely to be lower than personal loans or credit cards, and by investing more into your current property you will be making it more valuable and profitable, should you eventually choose to sell it, whilst also making it more enjoyable and comfortable to live in.
Remember that when you remortgage for home improvements, you are borrowing more money, therefore you’re expected to keep on top of payments.
Like any mortgage, you will be expected to undergo all necessary checks and procedures, providing the paperwork and plans to support your application.
Therefore, you should ensure you’re in a good financial position to be able to borrow more money. Secondly, you should assess the amount of equity you have in your home and whether it's a wise move in the current climate. Finally, you should plan and budget for what you intend on spending your equity on ad question whether it will add true value to your home and living circumstances.
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