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Remortgage With Additional Borrowing Questions

Hi,

Mortgage deal has ended with Santander, looking to remortgage to Nationwide (my bank) or Halifax. Looking to raise an extra £35-£40k for home improvements - current mortgage is at £156k and estimate the house value to be £230k so £195k would put us at 85% LTV so that's probably the max (£39k additional borrowing).

Affordability wise this is fine for me and the detailed quote calculators for both sites indicate I could lend this much. I also want to reduce the term of my current mortgage (30 years remaining) to 25 - although this doesn't seem matter with a remotgage?

My questions are:

Do the lenders need proof of what sort of improvements you are doing (eg drawings, quotes etc..) or even receipts/evidence after the fact? I've only had preliminary discussions with 1 builder so far but keen to apply for the mortgage ASAP as deal finished on 3rd April.

Secondly what about if I say its for non structural improvements (as plans not finalised), is there any difference in approval? Nationwide only seem to have limits on Debt Consolidation or "Other Personal Purchase" of £10k.

Do the mortgage company really mind what the money is for (within reason obviosuly! :D ) as long as I can repay it?

Thanks in advance
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