Remortgage for home improvements

[Oniranu]

We are having some renovations done to our 2 bathrooms and garden next month in May as that’s the only time our tradesmen will be available this year and it’s been quite hard to find decent ones so far.
We aren’t due to remortgage till September so we’re going to use our credit cards and a little from our work annual bonuses to cover the cost in the interim.
My question is, can we still get some additional borrowing from our mortgage lender so that we can pay off the credit card loans and pay ourselves back for the Reno work (we have invoices as proof etc).
Is this generally frowned upon i.e, will mortgage lender prefer we wait till August and avoid using credit cards.
Has anyone done this with no issues?

I’m in the USA so things may be different here, but we got a home equity line of credit from the bank when we needed money for renovations.

I think you just say you need it for renovations, they don’t need to know that it’s been done already. It’s not like you need to provide any evidence that’s what you used the money for.

Mortgage adviser here - do a personal loan instead of using credit cards to finance the works. Credit cards being an ‘open’ line of credit can put off some more stringent lenders, whereas a loan is kore likely to be refinanced easily.