Are you looking at upgrading your home

Thinking of Renovating This Summer? Here’s How Your Mortgage Could Help Make It Happen

The British summer is just around the corner—longer days, warmer evenings, and more time spent enjoying the home you live in. So what better time to start thinking about refreshing, renovating, or even reimagining your current space?

Whether it’s finally creating that dream kitchen, upgrading a tired bathroom, or transforming your garden into a relaxing retreat, home improvements don’t just boost your comfort and lifestyle—they can also add real long-term value to your property.

But here’s the question: how do you fund it?

If you’ve owned your home for a few years, the answer could already lie within your walls—literally. By using the equity in your current property, you may be able to release funds for your renovation dreams, while also reviewing your mortgage to ensure it still suits your financial goals.

At Creating Mortgage Solutions, we’re here to help you make that happen.

Why Summer Is the Perfect Time for Home Improvements

Let’s face it—most of us put off big home projects during the winter. But when the sun starts to shine, motivation goes up and so does the opportunity to get stuck in.

Here’s why summer is ideal for renovation:

• Longer daylight hours = more working time for tradespeople (and DIY enthusiasts)

• Warmer weather = fewer delays due to bad conditions

• Outdoor projects thrive—gardens, decking, fencing, and patios all benefit from dry spells

• Better ventilation—helpful for painting, drying plaster, or installing flooring

So whether you’re extending, refreshing, or simply modernising your home, summer is a smart time to get the ball rolling.

Popular Home Upgrades That Add Value and Comfort

Thinking of using your home’s equity for a project? Here are some popular renovation ideas that not only improve your day-to-day life—but also boost your home’s value:

1. 🛁 A Beautiful New Bathroom

A modern bathroom can add up to 4–5% to your home’s value. Think rainfall showers, stylish tiling, underfloor heating, and sleek storage solutions.

2. 🍳 A Sparkling New Kitchen

The heart of the home—and one of the most valuable spaces. Upgrading to a fresh, functional kitchen could increase your property value by 6–10%, especially with open-plan layouts, energy-efficient appliances, and modern design.

3. 🌿 Garden Makeover

Outdoor spaces have become huge selling points post-pandemic. A well-designed garden with decking, patios, lighting, and seating can massively boost both kerb appeal and enjoyment.

4. 🪟 New Windows or Doors

Improving insulation, aesthetics, and energy efficiency, modern glazing can save on bills and enhance your home’s look—while increasing EPC rating (a plus when selling or remortgaging).

5. 🏠 Loft or Garage Conversion

Unlock extra space for a bedroom, home office, or gym without extending your property’s footprint. These can add 15–20% to your home's value if done well.

How to Fund Renovations with Your Mortgage

Now to the practical bit—how do you pay for it all?

If you’ve built up equity in your home over the years (which many UK homeowners have, especially with rising house prices), you may be able to:

✅ Release Equity Through a Remortgage

This involves switching to a new mortgage deal and borrowing more than you currently owe, using the extra cash to fund your renovations.

Example:

• Current mortgage balance: £150,000

• Current property value: £300,000

• New mortgage: £170,000

• Equity released: £20,000

  
  

You still retain a good loan-to-value ratio, and the extra £20,000 goes straight into your home improvements.

Why Consider Remortgaging for Home Improvements?

Here are some of the benefits:

🔨 Access to Funds at Lower Interest Rates

Compared to personal loans or credit cards, mortgage borrowing is generally much cheaper—especially over the long term.

📉 Opportunity to Secure a Better Mortgage Deal

Interest rates fluctuate, and your current mortgage may no longer be the most competitive. By remortgaging, you could reduce your monthly payments, switch to a fixed rate for stability, or adjust your mortgage term to better suit your financial situation.

🛠 Improve Your Home AND Its Value

Smart renovations mean you're investing in your property—potentially increasing its resale value and future borrowing power.

💰 Consolidate Other Debts (if suitable)

In some cases, you can combine home improvements with debt consolidation, reducing your overall monthly outgoings (though this must be carefully considered with professional advice).

Do I Have Enough Equity to Borrow More?

That depends on a few factors, including:

• Current value of your home

• Outstanding mortgage balance

• Your credit profile

• Affordability checks (income vs. outgoings)

  
  

Good news? House prices in the UK have generally increased over the past few years, meaning many homeowners have more equity than they realise.

Even if you’ve only owned your home for 2–5 years, a valuation could reveal that you’re in a strong position to release equity and invest back into your property.

Is Remortgaging Right for You?

It might be—especially if:

• Your current deal is ending soon (or you’re on a variable rate)

• You want to lock in a better interest rate

• You need funds for a renovation, extension, or upgrade

• You’re ready to improve your home instead of moving

• You want to review your overall finances and future-proof your mortgage

  
  

However, if you’re tied into a fixed-rate deal with high early repayment charges, we may advise waiting until your deal ends—or exploring other funding options such as a second charge mortgage or home improvement loan.

How We Can Help at Creating Mortgage Solutions

At Creating Mortgage Solutions, we do more than just compare mortgage rates—we help you take a holistic look at your finances, goals, and property potential.

Here’s what we offer:

🧠 Expert Advice

We’ll review your current mortgage, property value, and personal goals, then explore whether a remortgage or additional borrowing is right for you.

🔍 Access to Specialist Lenders

Whether you’re employed, self-employed, or have a complex financial situation, we work with a wide panel of lenders to find a deal that suits you.

📊 Whole-of-Market Review

We aren’t tied to a single lender. That means we’ll shop around on your behalf to find the most suitable deal based on your unique circumstances.

🧾 Support from Start to Finish

We manage the paperwork, chase the lenders, and guide you every step of the way—so your project can go from dream to reality with less stress.

A Summer of Transformation Starts Here

Imagine hosting a BBQ in your newly landscaped garden… relaxing in a brand-new bathroom after a long day… or cooking in the kitchen you've always dreamed of. These aren't just renovations—they’re lifestyle upgrades.

By using your home’s equity wisely, you can make these dreams a reality without breaking the bank.

Ready to Explore Your Options?

Let’s have a friendly chat—no pressure, no jargon. Whether you’re ready to renovate now or just want to understand what’s possible, we’re here to help.

📞 Call Lucy at 07791 786265

📧 Or email us at lucy@creatingmortgagesolutions.co.uk