Whole-of-market mortgage advice
Remortgaging for Home Improvements in Sleaford & Lincolnshire
Extending, renovating or finally building that kitchen? Remortgaging for home improvements can release the equity in your home to fund the work, often more cheaply than other borrowing. We work out how much you can release and whether it is the smartest way to pay for your project.
5.0★ · 707 reviews
Whole of market
Free until approved
Your Lincolnshire mortgage team
Nick, Kasia & the team
Qualified advisers and support, here for every step
★★★★★
We were looking to remortgage, wanting to build extensions. He helped with personal advice and ensured we got the best deal for what we needed.
That extension, loft conversion or new kitchen does not have to wait, and it does not have to mean an expensive personal loan either. For many homeowners, releasing some of the equity built up in their property is the cheapest sensible way to fund improvements. We work out how much you could release and whether it genuinely beats the alternatives.
The right way to fund the work
Sometimes a further advance with your current lender is best, sometimes a full remortgage wins, and sometimes staying put makes more sense. We compare the options across the whole market, factor in any early repayment charge, and make sure you borrow the right amount at the lowest overall cost.
Borrow enough, but not too much
We help you raise what the project needs without over-stretching, with the repayments laid out clearly so the improvements add to your home and your comfort, not your stress.
Is this you?
We help homeowners improving their home like…
- Planning an extension or loft conversion
- Renovating a kitchen, bathroom or whole home
- Improving energy efficiency
- Adding value before you sell
- Funding works sensibly rather than on credit
Why a broker
Why homeowners improving their home use a mortgage adviser
Releasing equity for improvements can be cheaper than a loan, but only if it is structured well against your current deal and any early repayment charge. We compare the whole market and the options so the way you fund your project is the lowest-cost one.
Going direct to one lender
- One lender, one shelf of deals
- You fill in the forms and chase progress
- Criteria buried in the fine print
- A computer-says-no can end it there
- No one in your corner if it stalls
With Spolton, whole of market
- The whole market compared for you
- We handle the application end to end
- Criteria explained in clear, everyday terms
- Declined elsewhere? We know who says yes
- A named adviser who chases it for you
- Free until your mortgage offer is approved
How it works
How we help homeowners improving their home, step by step
-
Tell us about your project
We start with what you want to do and roughly what it will cost, then work out how much equity you could realistically release.
-
Weigh it against your current deal
We check any early repayment charge and compare a further advance against a full remortgage, so you pay the least overall.
-
Borrow the right amount
We help you borrow enough for the project without over-stretching, with the repayments laid out clearly.
-
We handle the application
We arrange the additional borrowing or remortgage, deal with the valuation, and chase it through to offer.
-
Get building
Funds released, you can get on with the work, and we are here when the deal needs reviewing again.
Local to you
Advising on remortgaging for home improvements across Sleaford & Lincolnshire
From Carre Street in Sleaford we help homeowners fund improvements across Lincolnshire, from Lincoln and North Hykeham to Grantham and Boston. Pop in or sort it by phone and video around the builders.
- Sleaford
- Lincoln
- Grantham
- Newark
- Boston
- North Hykeham
Honest about money
No surprises. Ever.
Never a surprise fee. Here is how ours work, plainly: most advice is free until your mortgage is approved.
- Free until your offer is approved
- Whole-of-market, not one bank’s shelf
- We tell you the fee before any work begins
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Our fees, in plain English
Until a fully approved mortgage offer
Free
Standard fee thereafter
Typically £299
Armed Forces & Blue Light Card
£199
Like-for-like remortgage rate switch
No fee at all
Figures correct at time of advice. We confirm everything up front.
Good to know
Remortgaging for Home Improvements: your questions answered
Can I remortgage to pay for an extension?
Often yes. You can release equity from your home to fund improvements, subject to affordability and the value in your property. We will tell you how much is realistic.
Is remortgaging cheaper than a loan for improvements?
It often is, as mortgage rates are usually lower than personal loans, though spread over longer. We compare the true cost of each so you choose well.
Will I pay an early repayment charge?
You might if you leave a fixed deal early. We factor it in, and sometimes a further advance with your current lender avoids it. We compare both.
How much equity can I release?
It depends on your home's value, your outstanding balance and affordability. We work out a realistic figure before you commit to anything.
Does improving my home affect the valuation?
Improvements can raise your home's value over time, which may help future borrowing. The lender values the home as it is now for this application.
Real results
Case studies
How a first-time buyer with no credit history bought in Lincoln
First-time buyer, Lincoln
A young first-time buyer in Lincoln had a strong deposit but a thin credit file, with no loans or cards to show.…
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A Sleaford first-time buyer had a 5% deposit and affordable payments, but the income multiplier fell short. A joint borrower sole proprietor…
What clients say
707 verified reviews, rated 5.0
260 reviews on Google and 447 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
5.0 average · Google & VouchedFor
Real people, real advice
The people behind your mortgage
You will deal with a named adviser from start to finish, backed by an administration team who keep your case moving behind the scenes. Here is who you will be working with.
From first chat to front-door key
Let’s make your move simple
Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.
Free until your offer is approved
No jargon, no pressure
Whole-of-market advice
Your home/property may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage.
