Renewing the mortgage

So we are coming to the end of a 4yr fixed term. We wantcto renew to another fixed term. Weve some some work to our house and generally house prises have risen, plus weve paid off a bit of the mortgage obviously. So how do we a) know what the house value is and b) work out what our deposit is for working out our LTV?

I have no idea but good luck!

I m going to be thick now but what is LVT? I m obviously lots of help !

Or LTV even!!!

Loan to value. So how much we want to borrow compaired to how much its worth. Originally that was 85%. We hsd a 15% deposit. We now have more capital in the house so the ltv is lower and we can hopefully get a better rate!

[clothmama]

I hope you can do what you want to do. Doing something like a kitchen is adding value to the house as well so hopefully a win win!

Loan to value. So how much we want to borrow compaired to how much its worth. Originally that was 85%. We hsd a 15% deposit. We now have more capital in the house so the ltv is lower and we can hopefully get a better rate!

Hmmm I can t think how we did it now when we remortgaged. Since then we ve had the house valued so would now use that value. Sorry bit much help !