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New Mortgage Deal Time, Do i get some extra Cash ?

My current fixed term deal is up soon (nov), and im starting to look about for a new deal.

My current deal is as follows :-
Tracker +0.64% above base rate.
Mortgage outstanding £70000
House Value £180,000 ish

I currently overpay by £400 per month

The problem is we need a new car & a bit of home improvements, and have been thinking of getting a loan.

We currently have no other debits, other than the mortgage

What to do ??? Loan or add to the mortgage

Thanks in advance
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