Mortgage Query?


Does anyone know if you can borrow more money on top of your mortgage for repairs. For example, if a house is valued at £75k and I manage to buy it for £60k, can borrow another
£10k for repairs, like a new kitchen and windown which would both be esentials before I could move in? I would put a 5% deposit down. Is it possible to take on a loan attached to your mortgage or can we borrow what we need included in the mortgage (as long as we don’t go over the house value)? Would we need to have an almost perfect credit rating to do this or does anyone know if there are mortgage lenders that do this if your credit rating is average? Or does this kind of mortgage/loan not exist?
I appreciate any advice given!
Thanks x

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