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home improvement
Does your home need a lick of paint? A brand-new kitchen, perhaps?
Our friendly and experienced team are happy to talk through your circumstances, and advise you on the best way to proceed. This could involve re-mortgaging your home, releasing equity, or securing an additional advance on your current mortgage.
Think carefully before securing debt against your home, your home may be repossessed if you do not keep up repayments on your mortgage.
Equity release will reduce the value of your estate and can affect your eligibility for means-tested benefits.
Can I get a mortgage for all home improvements?
Our experts will help you find the most cost-effective solutions for your planned building works such as an advance on your mortgage, remortgaging or a specialist loan.
Why is the structure a key element?
If the structure of a property has been compromised its value will not match the loan requested so it is not a viable option.
Let us contact you
Simply complete the details above, and a member of our friendly team will call or email to arrange an appointment.
Important: Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £495.
What is the next step
Step 1
Life continually moves on and with that comes increased responsibility. Whether you are buying a home or starting a family, it is an exciting time but you must plan ahead now to ensure that if something goes wrong, you and your loved ones are fully protected.
Step 2
Speak to our friendly team to discuss your needs. Simply book an appointment and we will advise you on the right level of cover. With whole of market access we will ensure you find the right products for your individual needs.
Step 3
Our expert team have a wealth of experience helping individuals and couples plan for their futures. Whether you are considering mortgages, life insurance or income protection we will find the right option for your circumstances protecting you for the future.
Ready to talk to a professional
Important: Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £495.
Planning an extension or dreaming of a new kitchen? Speak to our team to make it happen.
Frequently asked questions
How much money am I able to borrow for home improvements?
It will mainly depend on affordability, i.e. the amount of income that can support the borrowing less any committed expenditure, such as unsecured loans and credit cards, maintenance, childcare costs, school fees etc. There will also need to be sufficient equity remaining in your property at the point of application even if the improvements will increase the value of your property when completed. We will help identify the most suitable lender for you based on these factors and guide you to ensure we recommend the most suitable mortgage to meet your current and future requirements.
Is it possible to mortgage for home improvements if I’m not at the end of my term?
Absolutely. In fact, this is how we facilitated this a client of ours
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About:
Chambers Financial Services Limited is an Appointed Representative of Quilter Mortgage Planning Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No:08201095, Registered Address:Arlington House West Station Business Park, Spital Road, Maldon, England, CM9 6FF We normally charge a fee for mortgage advice, however this will be dependent on your circumstances. Our Typical fee is £499. Click here for more information. Internet Privacy Policy
Important:
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £495.
The Financial Conduct Authority do not regulate buy to let mortgages.
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