Has anyone in recent climate been able to secure a loan for home improvement immediately after getting a mortgage? Buying first house and want to do a single storey extension straight away. Our mortgage is a lot less than we're currently paying in rent and so we could easily afford repayments on a personal loan. Our mortgage adviser says that the banks won't give us any more money on mortgage as they can't guarantee that it'll add value to the house like it would have done in the past and he says that personal loans are almost impossible to get straight after getting a mortgage. Can live without the extension for a while with a view to re-negotiating mortgage in a years time but that would cost us more in the long run as would have to decorate as is and then start over. Anyone been in a similar position? Are there any banks out there who will help?!