It's exciting, planning a new kitchen or bathroom. Dreaming about how a home extension might look, or what you'd do if you could afford that extra bit of land. But taking on additional borrowing over and above your existing mortgage isn't something to rush into. You need to be sure you can still meet your monthly repayments so you don't risk losing your home.
Find out what you can use your additional borrowing for and other ways to borrow from us that might be better suited to your needs.