We're likely to need a new boiler in the next year or 2, and I would love a new kitchen (ours been here since house built about 15 years ago). House worth about 250k, 125k outstanding on mortgage, lots of years to go (15?). Any idea how much v roughly it works cost for us to add about 15k to mortgage?? And how do you go about it? Is it just a case of going to current lender and asking??