Remortgaging or Loan for Home Improvements?

McLovin1978

Good morning guys, 
Newbie on the forum looking for some advice please. 

I own my own house, a three-bed former council house which I purchased under the right to buy scheme in 2019. The house is valued at around £95/£100k now, but at the time the council valued it at £80k, selling to me for £33k with my right to buy discounts. 

I am down to £21,000 on my mortgage and I am looking to commit to some home improvements, primarily the bathroom and some cosmetic work on the spare bedroom. I think maybe £10k should cover everything. 

My mortgage renewal is coming up next month and Nationwide (who I am with now) can give me a pretty good rate if I remain. 
I am looking to re-mortgage or add a loan on to the house for the home improvements, but.......

I  have been a bit foolish in the past with debt and currently have around £4k outstanding in loans and £13k in some debt consolidation loan which I feel I was mis-sold. That's another story but a few years back I only wanted to borrow around £8k to clear my debts but between the brokers fee and interest, I ended up borrowing £16k. 

To be honest it's causing me a bit of stress as I am new to this type of world. I have a permanent job and take home around £2,300 per month. 

Really grateful for some advice please and apologies for the long post. 

BonaDea

If you have debts, why would you want to take on more debt to do non-urgent cosmetic work on the home?  Couldn't those improvements wait until you can afford them?

McLovin1978

BonaDea said:

If you have debts, why would you want to take on more debt to do non-urgent cosmetic work on the home?  Couldn't those improvements wait until you can afford them?

I should have been a bit more clearer, my bathroom is in a terrible state and really does need re-modelling, the spare room and guest room just need redecorating, but yes, the bathroom is the main one.