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Polygon
@leggy_blonde
I've also got three concurrent mortgages with Nationwide, one of which was arranged recently to help pay for a loft conversion. They all finish within 3 months of each other (5yr, 3yr and 2yr) so that when it comes to remortgage there are no early repayment fees.
@Polygon could you go for tracker rather than fixed term for the additional amount? They often don't have early repayment terms.
Or just wait and increase your borrowing by 20k.
I couldn't find a more affordable way to get the kind of money I needed. Home improvement loans weren't too far off in terms of interest rates but had to be paid off in a much shorter time and so the monthly outlay would have been killer!