Personal Loan After Mortgage / what is the best way to tackle this

TXC

Hi all
After some advice please 
I've had a mortgage offer for a property which is all v. exciting. Mortgage value is roughly 3.3x my salary. I will have roughly 12k in savings post completion of which I'd like to earmark £6k for low level improvements and furnishings. I also have c.£6k outstanding on a personal loan that I am paying back comfortably.
I would like to make some bigger renovations before moving in (turning lounge diner into kitchen/diner mostly) - cost of which would be roughly 15k. 
My current thought is that upon completion I would like to settle my current loan outright with my leftover savings, leaving me with the £6k earmarked to furnish and improve and take out another personal loan for £15k over 5 years to renovate the kitchen. This would be broadly the same amount I pay per month on my current loan so I'm not concerned about overstretching, I would still be able to put 20% of my salary into savings and live comfortably.
My questions are:

• Would applying for a loan after completion be likely to be accepted
• Should I wipe my current loan before applying or leave in situ for credit rating purposes on application, wiping the loan if the other is approved 
• Should I talk to my bank in person about this (ideally the loan would be with them, ive only ever taken loans from them and my mortgage is with them)

Also I know you all mean well but I'm not looking for "if you didnt have that saved to renovate you shouldn't have bought the house" etc. - this isnt something I have to do before moving in, its just somehting I would like to do (as it will add a lot of value to the property) and now feels like a good time before I move in completely.

Thanks!

RelievedSheff

Are you sure it will only cost £15k? That doesn't sound a lot.

Don't do anything before you complete. Certainly no credit applications until completion. 

I would be tempted to live with the house for six months before making any major changes. You never know you might change your mind when you live with it for a while.

TXC

Thanks great advice re: nothing before completion'
My dad is fortunately an ex site worker so has a lot of close friends who are tradesmen, and we're based in the north still a rough figure though you're right
also im about to contradict myself here (my own fault) the kitchen does need redoing before moving in but my options are to renovate the existing room out of my own funds (doable) or the kitchen diner (preferable) - thats what I meant when I said I don't have to do this, just concious if I chose the former then it would be a waste of money to then try and do the latter a couple of years later