Our Customers rate us 4.6 out of 5


Professional remortgage advisor for home improvements.

Finding the funds you need to transform your home can be complicated. Our expert remortgaging advisors are here to take the stress out of the process.

Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.

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When The Bank Says No is working closely with leading providers...

Useful links to begin your Remortgage Journey



When you are after advice on switching your mortgage lender, we can help you with each step of the way.


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Debt Consolidation

Struggling with debt? You’re not alone. Our experienced remortgaging advisors are here to explain the options available to you.

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Purchasing A Second Home

When it’s time to buy a second home, look no further than us for a mortgage adviser. We take the stress out of your mortgage deal.


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With The Same Lender

Looking to remortgage with your current lender? Our mortgage advisors are here to help you secure the right product for your needs.

Finding You The Best Remortgage Deal For Home Improvements

Remortgages for home improvements can be a minefield. With interest rates, product fees and valuation costs to consider, it can be hard to know where to start! Our team of specialist remortgaging advisors can help you navigate the market and compare the different options available to you. We’ll help you assess whether it makes sense to stay where you are and take out an additional loan or to switch lenders and release equity from your home. With access to the whole of the market and years of experienced achieving approval for our customers, we’ll make sure you have the most suitable product for your home improvements.

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We find your next deal.

emortgaging is complicated, and navigating the process alone can be frustrating. Whether you’re struggling to decide if it’s the right route for you, or just need help finding a suitable deal, our expert advisors are here to take away the stress. We’re all about the simplicity, and won’t push you into anything you’re not happy with. Instead, we provide you with all the market insights and advice you need to feel confident about your next steps.

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Let's get the ball rolling.

We can support you and help you to make yourself as attractive to banks as possible, ready for your next application!

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Check your credit file.

In order for us to assess your credit history and suitability for different mortgage products, you will need to check your file.

Can I remortgage to pay for home improvements?

Yes! Many homeowners choose to release equity from their homes by remortgaging in order to pay for significant home improvements that will increase the value of the property. Doing so effectively add the costs of refurbishments and renovation work into your mortgage, which can be cheaper than taking out a personal loan. Need help finding a suitable deal? Not sure whether to stay with your current lender? Our professional remortgaging specialists are here to scour the market for the right mortgage product for your needs. Get in touch today!

Should I remortgage my home to make home improvements?

Remortgaging can be a suitable way to fund home improvements, however ultimately this is your decision and shouldn’t be made by anyone else. You should consider whether you can manage an increase to your monthly mortgage payments, whether you are tied into a mortgage deal or have flexibility, and that you have sufficient equity in your home. Depending on the answers to these questions, remortgaging may be an appropriate route to go down.

Turning Your Nightmares Into Dreams

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When you think you’ve hit that brick wall and have all but given up hope of finding mortgage finance, When the Bank Says No are here to turn your ‘No’ into a ‘Yes’. We have access to a range of specialist lenders who are willing to help those that the High Street banks just won’t touch. Get in touch today and see how we can turn your dreams into a reality.

Does the type of home improvements affect my ability to remortgage?

Yes, it can. Some lenders will request evidence of the planned work whether that’s through recent quotes or plans, and they will want to know whether the work is structural or non-structural. Many lenders will also stipulate that there must be proof of building consents and planning permission before they can proceed. Different types of renovation work cost different amounts of money, so many lenders want to know exactly where the loan will be going. However, not all lenders request the same amount of evidence, and it’s our job to simplify the process for you. If you want to look into the options available, our expert advisors are here to discuss your plans with you and locate a suitable lender – talk to us and we can begin!

Should I remortgage or take out a home improvement loan instead?

There are multiple options when it comes to funding home improvements, and it’s important to make sure remortgaging is right for you before proceeding. Typically, a remortgage is cheaper than a personal loan for home improvements due to the average rate of interest being substantially lower. However, there are also other secured loans to consider and second charge which may be a better option. Before you take out any debts against your home, it’s important to seek specialist advice. Our team of mortgage experts will assess your situation and help you identify the best course of action based on your personal and financial circumstances.

Frequently Asked Questions

Will I need a new valuation to remortgage for home improvements?

Yes, most of the time your mortgage lender will want to complete a valuation on your property before approving your application. The reason for this is that they need to make sure the property provides adequate security for the loan in question. This valuation will be on your property as it is now, not with the projected value your renovation work may add. Some lenders offer incentives whereby the cost of this valuation is covered by the lender when you remortgage.

Yes, bad credit shouldn’t be a barrier to remortgaging. In fact, we’ve helped customers all over the UK with varying forms of adverse credit release equity for home improvements. It all comes down to personal circumstances and the exact nature of your bad credit. The more recent the bad credit, the higher the risk you pose to the lender, but not all lenders are scared off by imperfect credit files. Whether you’re only just beginning your remortgaging search or you’ve been declined by a lender for bad credit already, our advisors can help take the stress out of the process. Talk to us today and we can get started seeking out a lender who understands your situation.

Remortgaging for home improvements? Get expert advice.

When the Bank Says No is a team of specialist mortgage advisors with years of experience helping people in all kinds of situations remortgage their homes. If you’re looking to undertake significant home improvements and need to release equity to do so, we can help you assess your options and proceed confidently with your future plans. From finetuning your application to evaluating the market for the most appropriate mortgage product, we do everything we can to secure your funds.

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What Our customers say about us

Our Customers rank us 4.6 out of 5


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