26/08/2026
🔨 Home improvements on the horizon?
Sometimes the mortgage you already have isn’t quite enough to fund the work you want to do — but that doesn’t always mean you need to wait until your current deal ends.
One of my clients needed some extra funds for much-needed home improvements, but her existing mortgage was tied in for another two years.
Her current lender would have considered additional borrowing, but there was one catch… she would have had to apply directly herself.
That wasn’t something she felt comfortable doing.
So, we looked at another option. 👀
For a small additional cost, I was able to arrange a second charge mortgage for her — meaning I could handle the process without her having to speak to a mortgage lender directly.
✅ Approved within 24 hours ✅ No need to disturb her existing mortgage ✅ No stressful lender conversations ✅ Funds available to get those improvements underway
Easy peasy! 😄🏡
If your home needs a little TLC but you’re tied into your current mortgage, it could be worth exploring your options.
