I've posted about this on Property too (here), but this might be more of a finances question.
If you have money sat in the bank with which you could do extensive work to your house, on a sliding scale from popping a solar panel on the roof or changing the glazing, through extending or converting the loft, all the way to razing it to its foundations and rebuilding it ... what are you allowed to do without notifying your mortgage lender and possibly having to change the terms of your mortgage?
I want to knock it down and start again - but have a feeling that's going to be a no no.
Thanks.