Remortgage for home improvements Belfast
Last Updated: 18th November 2025
Thinking of renovating your home, adding extra space, or modernising your living environment? A remortgage for home improvements could be the most affordable and flexible way to fund your plans. By releasing equity from your property, you can access the money you need without taking out expensive loans or moving house.
At AIMS NI, we provide independent, whole-of-market remortgage advice for homeowners across Northern Ireland. Whether you’re planning a new kitchen, extension, or energy-efficient upgrades, our experienced advisors will help you find the right deal to fund your renovations with confidence.
What Does It Mean to Remortgage for Home Improvements?
To remortgage for home improvements means switching to a new mortgage deal—often with a different lender—so you can borrow more than your current mortgage balance.
The additional funds you release from your home’s equity can then be used to pay for renovations, repairs, or upgrades.
This can be more cost-effective than loans or credit cards because mortgage interest rates are typically lower, and you can spread the cost over a longer period.
What Can You Use a Home Improvement Remortgage For?
Homeowners across Northern Ireland remortgage to fund a wide range of projects, including:
- Extensions and loft conversions
- New kitchens and bathrooms
- Structural repairs or roof work
- Driveways, patios and garden improvements
- Upgrading plumbing, heating or electrics
- Energy efficiency improvements (solar panels, insulation, windows)
- Garage conversions or room reconfigurations
- Adding value before selling
If your goal is to improve comfort, increase space, or boost property value, AIMS NI will help you explore whether remortgaging is the right route.
Benefits of Remortgaging for Home Improvements
Remortgaging to fund renovations offers several key advantages:
- Lower interest rates than personal loans or credit cards
- Flexible repayment options
- Ability to borrow larger amounts for bigger projects
- Potential to increase your home’s market value
- Access to tax-free equity
- No need to move to a new property
AIMS NI compares thousands of mortgage deals to ensure you get the best option available for your plans and budget.
How Does Remortgaging for Home Improvements Work?
Here’s a simple overview of the process:
- Assess Your Current Mortgage & Equity – We review your existing mortgage, property value, and borrowing potential.
- Check Available Equity – The difference between your home’s value and mortgage balance determines how much you can release.
- Compare Lenders & Rates – AIMS NI searches the whole market, including specialist lenders for complex situations.
- Apply for Your New Mortgage – We handle the paperwork, manage the application, and liaise with the lender.
- Funds Released- Once approved, your equity is released as a lump sum to fund your home improvements.
Who Is Eligible to Remortgage for Home Improvements?
Eligibility can vary between lenders, but key factors include:
- Sufficient property equity
- Strong income and affordability
- Good or fair credit record
- Type and size of improvements planned
- Your current mortgage deal
- Property condition and market value
Even if you’ve been declined elsewhere, AIMS NI may still be able to help—thanks to our whole-of-market access and specialist lender relationships.
Will a Home Improvement Remortgage Increase Your Property Value?
Many home improvements not only enhance your living space but can deliver a strong return on investment. Popular value-boosting upgrades include:
- Loft conversions
- Rear extensions
- Modern kitchens and bathrooms
- Energy-efficient upgrades
- Garden rooms or office spaces
Improving your EPC rating can also make your home more attractive to buyers and reduce energy bills. AIMS NI can help you decide whether releasing equity makes financial sense based on your renovation goals.
Why Choose AIMS NI for Home Improvement Remortgage Advice?
AIMS NI has been supporting Northern Ireland homeowners for over 20 years. Here’s why clients trust us:
- Independent, Whole-of-Market Advice – We compare thousands of mortgage products from over 20 lenders.
- Award-Winning, FCA-Regulated Advisors – Professional, friendly, and always working in your best interests.
- Local Advisors Across Northern Ireland – In-home, online, or phone appointments available.
- Stress-Free Process – We handle the paperwork and guide you through each step.
- Support for Complex Situations – Including self-employed income or past credit issues.
We provide clear, honest advice so you can make informed decisions about financing your renovation plans.
The Remortgage Process with AIMS NI
Free Consultation – We discuss your goals and improvement plans.
Equity Check – We review your mortgage and calculate available equity.
Market Search – We compare remortgage deals across the whole market.
Application Support – We handle forms, documents, and lender communication.
Funds Released – Once approved, money is transferred for your home improvements.
Ongoing Support – We’re here for future remortgages and financial reviews.
Start Your Home Improvement Remortgage with AIMS NI
Planning renovations or upgrades? AIMS NI can help you remortgage for home improvements safely and affordably.
Our whole-of-market advisors will guide you from start to finish, ensuring you find the best deal for your goals.
Call us today for a free, no-obligation consultation and discover how much equity you could release from your home.
FAQs – Remortgage for Home Improvements
This depends on your property value, mortgage balance, income, and lender criteria. AIMS NI can calculate this during your consultation.
In most cases, remortgaging offers lower interest rates and more affordable monthly payments compared to personal loans or credit cards.
Typically 4–8 weeks, depending on the lender and whether a valuation is required.
Possibly. Some specialist lenders are open to applicants with credit issues. We can explore your options.
In most cases, yes. Lenders need an up-to-date valuation to confirm your home’s worth and equity.
If you borrow more, monthly payments may rise. We’ll show you all costs upfront before you proceed.
Disclaimer
THE PLAN WILL HAVE NO CASH-IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
CRITICAL ILLNESS PLANS MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. THE DEFINITIONS VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT IF YOU GO AHEAD WITH A PLAN.
