Independent advice on remortgaging to fund renovations, extensions, or upgrades across Lincolnshire.
Many homeowners choose to remortgage so they can raise extra funds for projects such as a new kitchen, loft conversion, extension, or energy efficiency upgrade. MoneyHelper notes that remortgaging is one of the most common ways to fund home improvements when you have sufficient equity.
Why people take this route:
Local property values shape what’s possible. For example, average prices in Lincoln were around £184,000 in July 2025, while in North Lincolnshire they stood at £175,000. County-wide, Lincolnshire averages around £225,000 according to Plumplot. More equity usually means more options and better rates.
At Spolton Mortgages, we compare whole-of-market lenders, check affordability and fees, and guide you step by step. Our advice is always tailored to local homeowners — from Sleaford to Lincoln, Boston, Grantham, Newark, Stamford, and Bourne.
Dedicated to providing trusted advice, we believe financing your home should be exciting and stress-free. Here’s just some of the lenders we work with;
We access the whole of the mortgage market to find the best mortgage to suit your needs.
We help clients across Lincolnshire secure remortgage deals to fund home improvements. Lender approach and affordability depend on your property value, income, and the project itself:
We align your project plans with local market conditions and lender requirements so the process runs smoothly.
Spolton Mortgages is a family mortgage broker founded by Nick and Kasia Spolton.
From our office in Sleaford, we provide mortgage and mortgage protection advice.
Well-known, and respected for providing trusted advice, we started by helping people find mortgages in Lincoln, Sleaford, and throughout Lincolnshire. Now we find ourselves helping people across the whole of the UK.
Not always. Lenders usually allow borrowing for kitchens, bathrooms, extensions or energy upgrades. They may be stricter with luxury items like swimming pools.
Rates are usually lower, but you may repay over a longer term, which can increase total interest. We’ll compare both so you can see the real cost.
Yes, most lenders ask for contractor quotes if the project is structural or significant. Smaller cosmetic works may not need this.
Often, but not always. Extensions and energy upgrades can add value, but it depends on location and local demand. We’ll talk this through with you.