First time renewal and a stack of changes !

PixelPound

A related question, which might help OP (or not ). How does the mortgage provider know the new worth without any valuation?

I'm in a similar soon ending 5 year fix, was FTB of dated property that has now being renovated and worth more.

Thrugelmir

Desk top valuation. There'll estimate using a database of local information. LTV's are somewhat subjective in any event. 

ThePants999

Backing that up: I took a retention product when my last fixed rate expired, and I took one that had a max LTV that I reckoned I was NOW within, but I definitely wasn't using the value when I first bought the place. My lender gave it to me without a query, so they either took my word for it or did some automated checking.

Paulpen

Densol - Im sure I am overthinking as I overthink most things and like things a certain way and usually work 6 days a week so loads of time to worry more.

If I did go via a broker and couldnt get a good deal etc does that effect what my current lender would offer or would they not know ?

Nic_c / Thrugelmir - I was not sure if they would use the valuation from 5 years ago (which benefits them) or would look at regional price trends and predict the value increase ?

Thepants999 - So do you think they only offer the mortgages with the correct LTV calculation already done ?